Klarna

1. Customer adds items to cart.

2. Selects Klarna as payment option.

3. Chooses a payment plan (e.g., Pay in 4).

4. Completes purchase with initial payment.

5. Klarna pays the merchant upfront.

6. Customer makes subsequent payments to Klarna.

1. Customer selects items in-store or online.

2. Applies for Klarna financing.

3. Receives approval based on credit score.

4. Completes purchase with Klarna loan.

5. Merchant receives payment.

6. Customer repays Klarna over time.

1. Customer books flight or hotel.

2. Selects Klarna as payment method.

3. Chooses installment plan.

4. Completes booking.

5. Klarna pays the travel provider.

6. Customer repays Klarna in installments.

1. Customer chooses electronic product.

2. Selects Klarna financing option at checkout.

3. Agrees to payment terms.

4. Completes purchase.

5. Klarna pays the retailer.

6. Customer repays Klarna over a set period.

1. Customer downloads and activates the Klarna app.

2. Shops at participating retail locations.

3. Uses the app to generate a virtual card.

4. Pays at the register with the virtual card.

5. Selects an installment plan within the app.

6. Manages repayments through the Klarna app.