1. Why adopt Treat Now Pay Later with Klarna?
Across a sample of +5,000 UK patients using the Patient App, the data reveals that the share of Karna purchases are significant.
Klarna is the world's #1 most adopted buy-now-pay-later (BNPL) option, with a rapidly growing user-base. Some projections forecast user counts rising from a few hundred million today to many hundreds of millions — up to ~900M users within the next 3–7 years (Investopedia).
According to McKinsey & Co, younger cohorts (Gen Z / Millennials) prefer BNPL for budgeting and low/no-interest offers.
Evidently on Dermis, Klarna is responsible for a x2 higher spend per patient, with a significant lift in conversion rates on more expensive packages, by allowing patients to split big payments into smaller payments over time, typically split in 4. All while you (the clinic owner) get paid full transaction amount, upfront.
The Average Order Value based on payment method used to make a purchase on the Dermis Patient App (converted to USD) - A x2 higher AOV when Klarna is enabled as a payment method.
2. How many patients typically use Klarna as a preferred payment method?
For clinics selling packages above +£800 on Dermis Patient App, Klarna is responsible for 51.2% of total transactions compared to Credit Cards (20%) and Apple Pay (28.8%).
3. What are Klarna's split payment options?
Great question. When educating new patients on how Klarna works, it's important to know a bit about what different options Klarna might offer once the patient reaches checkout. Here they are:
Pay in 30 days: Pay the full amount at a later date.
Pay in 3 / Pay in 4: Split your purchase into a number of smaller, interest-free instalments.
4. What are the fees?
Merchant (you, the clinic owner): 4.99% + £0.35 per transaction
Consumer (your patients): Late Fees A late fee of £5 applies if patients miss a payment for their Klarna order.
Capped at 25% of the Order Value: The total late fee for an order is capped at 25% of the purchase price.
Maximum Two Fees per Order: You will not be charged more than two late fees for a single order.
Important Considerations
Grace Period: Klarna provides a seven-day grace period and several reminders before a late fee is charged.
Account Status:Your ability to modify or reschedule payments may depend on your payment plan and account status.
Financial Impact:Borrowing more than you can afford or paying late may make it harder to get credit in the future.
5. Conclusion
It seems that not offering Klarna (or any Treat-Now-Pay-Later option) might put you at a disadvantage against other aesthetic clinics who do offer it to patients. Given many projections forecasting Klarna user counts rising from a few hundred million today to ~900M users within the next 3–7 years, and our own data of Klarna being the dominant payment method used by patients on the app, it's safe to say that Treat-Now-Pay-Later may inevitably become the default for package sales ebove the £800 range.