Klarna: UK 2026 Pricing & Fee Calculator
Klarna is the largest BNPL provider. It does not publish a single public rate, but a widely used reference point is the rate Klarna is offered at through Stripe.
What Klarna charges
| Fee | Rate |
|---|---|
| Reference UK rate (via Stripe) | 4.99% + 35p |
| Direct Klarna pricing | Negotiated per merchant |
| Customer cost (Pay in 3 / 30) | 0% interest if paid on time |
How the fees work
Klarna does not publish a public merchant rate card; pricing is agreed per business. As a concrete reference, Klarna offered through Stripe is charged at 4.99% + 35p per transaction for UK billing, which is a reasonable planning figure.
Direct Klarna agreements are negotiated and high-volume merchants can secure lower rates. Customers using Pay in 3 or Pay in 30 pay no interest when they pay on time, which is why Klarna can lift conversion despite the merchant cost.
Treat the rate above as an estimate for budgeting and confirm your actual rate with Klarna or your payment service provider.
Check the official pricing
Fees change. Confirm the current rate at Klarna for business.