When a member chooses to pay in 3 interest-free instalments via Klarna, you receive the full payment immediately. Klarna assumes the credit risk entirely.
How it works
The member selects Pay in 3 at checkout.
Klarna pays the full order amount immediately — just like a standard card payment.
Klarna manages the 3 monthly collections directly with the member.
If the member doesn't pay, that's Klarna's problem, not yours. Your cash flow is never exposed.
What this means for you
✅ No non-payment risk — you're paid in full at the time of the order.
✅ No collections to manage — Klarna handles everything in case of non-payment.
✅ Free for members — instalment payment costs nothing for buyers, which can remove a purchase barrier.
✅ No additional fees for you — Klarna service fees are included in your transaction fees.
What if a member disputes a payment? Klarna handles credit-related disputes. For merchandise disputes (product not received, non-conforming), the usual rules apply.
A member has an issue with their Pay in 3 payment?
The member needs to contact Klarna directly. This isn't a lack of service on your part — it's simply how instalment payments work.
The contract is between the member and Klarna — neither you, the club, nor your platform is a party to it.
Klarna can't share anything with you — for privacy reasons, Klarna won't disclose information about the member's account or instalments, and won't change anything at your request.
Your payment isn't affected — you're paid in full as soon as the order is confirmed, whatever happens afterwards between the member and Klarna.
Tip: if a member reaches out to you, point them to their Klarna app or the Klarna help centre. They'll find the details of their instalments there and can open a request in just a few clicks.