Convert more high‑ticket sales with Klarna purchase financing
Many shoppers leave PrestaShop stores not because they don’t want the product, but because they aren’t ready for the immediate financial outlay. Klarna solves the « price hesitation » problem. By integrating Klarna, you offer your customers the financial flexibility of deferred payments while your business receives the full funds immediately.
Empower your customers
with deferred payments
Klarna is the global leader in Purchase Financing. Instead of requiring 100% of the funds at checkout, Klarna allows your customers to bridge the gap between their desires and their current budget. This transition from « one-time payment » to « flexible financing » transforms your store into a more accessible, high-conversion marketplace.
How Klarna Financing works for you
- The financing choice: At checkout, your customer selects a deferred payment option (Pay in 30 days or monthly installments).
- Instant credit decision: Klarna performs a real-time, frictionless assessment to approve the financing in seconds.
- You get paid in full: Regardless of the customer’s payment schedule, Klarna pays you the full amount upfront.
- Risk transfer: Klarna assumes all credit and collection risks. If the customer delays a payment, it never impacts your cash flow.
Why deferred payments are a sales powerhouse
Shifting your focus to financing isn’t just about convenience—it’s a calculated move to improve your store’s KPIs.
Eliminate price as a barrier
Financing options allow customers to commit to higher-priced items by breaking the cost into manageable slices. This directly correlates to a higher Average Order Value (AOV), as shoppers feel empowered to choose premium models or add « one more thing » to their cart.
The « sticker shock » at the final checkout stage is the leading cause of abandoned carts. By highlighting Pay in 4 or Pay in 30 days early in the journey, you provide a psychological safety net that keeps the customer moving toward the « Confirm Order » button.
While your customers enjoy the luxury of paying later, your business maintains its momentum. You receive the total order value (minus a small transaction fee) within days. You gain the sales benefits of a credit provider without any of the debt-collection headaches.
Flexible financing options for every basket
Depending on your industry and average ticket size, you can offer various tiers of deferred payments:
- Installment plans (pay in 3 or 4): ideal for mid-range purchases. The cost is split into interest-free payments.
- Deferred invoicing (pay in 30 days): the « Try Before You Buy » model. Perfect for fashion and home decor where the customer wants to see the product before the money leaves their account.
- Long-term financing: for high-ticket items, offer monthly financing plans extending up to 36 months, making luxury goods affordable.
Comparison: Standard Payments vs. Klarna Financing
How PrestaShop merchants use Klarna to increase conversions
From fashion and electronics to furniture and lifestyle products, PrestaShop merchants use Klarna to reduce purchase hesitation and make higher-value orders feel more accessible to customers.
Fashion stores: reducing hesitation at checkout
NAILFOR uses “Pay in 30 Days” to reassure customers before purchase. Instead of committing immediately to a full payment, shoppers gain more flexibility and confidence, which helps reduce cart abandonment and encourages larger baskets.
Furniture & home decor: unlocking high-ticket purchases
For home and furniture stores, Klarna helps transform expensive one-time purchases into manageable monthly payments. A customer hesitating on a €1,200 sofa may feel much more comfortable seeing an option like “Pay in 3 times with Klarna (€400 per month)” directly on the product page.
Fitness: increasing Average Order Value
Kingsgym uses Klarna to encourage customers to upgrade to more premium products. Instead of choosing a basic gym membership, members are more likely to subscribe to a higher-end plan when financing options are available at checkout.
Transparent pricing, no hidden debt
Klarna operates on a transparent pay-per-performance model. There are no monthly subscriptions or setup fees—you only pay when Klarna successfully finances a sale for you.
- All-inclusive fee: The transaction fee covers payment processing, the credit check, and full fraud/credit protection.
- Custom rates: For high-volume PrestaShop merchants, customized financing rates are available to optimize your margins.
3 Steps to launch your financing solution
Complete a quick business verification to get your API credentials.
Install the official module on the PrestaShop Marketplace. Connect your store to Klarna’s financing network in minutes.
Display the monthly financing price (e.g., « Or €25/month with Klarna ») directly on product pages to drive intent before the checkout.
Do I have to wait for the customer to finish their installments to get paid?
Who handles the credit risk?
Is this only for expensive items?
Don't let your customers walk away because of a one-time payment hurdle. Offer the flexibility of professional purchase financing and see the immediate impact on your bottom line.