Klarna
Klarna is an online payment gateway. Full rate, settlement and contract terms are in the commercial profile below.
Commercial profile
- Headline rate
- 2.99% + 30p typical
- Settlement
- 1 to 14 days
- Contract
- No contract
- Channels
- Online payments
- Tier
- Online payment gateway
Editorial notes
BNPL Pay-in-3, Pay-in-30. Strong abandoned-cart recovery.
More from the panel
Compare against the full UK acquirer panel or check the head-to-head matchups.
Official site: Klarna
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last reviewed: 12 May 2026
Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Reviewed 2026-08-19. Independent reviewer; the MerchantHQ editorial team retains control of the final content.