Buy Now Pay Later

Klarna

Klarna is the largest pay-over-time provider in Europe and a major BNPL option in the United States, Canada and Oceania. At checkout, Parapay surfaces the Klarna offers the buyer is eligible for — typically Pay in 30 days, Pay in 3 or 4 installments, or longer-term financing depending on the market. Klarna underwrites the buyer and assumes the consumer credit risk; the merchant is settled in full upfront on Klarna's normal payout schedule. Refunds and partial refunds are exposed on the standard payment intent API.