Is Klarna worth it for merchants?

Klarna's fees (5.99% + $0.30) are higher than Stripe (2.9% + $0.30), but merchants often see a 20–30% increase in average order value and reduced cart abandonment. The conversion uplift frequently offsets the higher fees.

What is the Klarna merchant fee?

Klarna's standard merchant rate in the US is approximately 5.99% + $0.30 per transaction. Rates vary by country and merchant agreement.

Does Klarna charge merchants for returns?

Klarna handles refunds automatically. When a return is processed, the merchant is refunded the processing fee minus a small administrative fee depending on the agreement.

Klarna Merchant Fee Calculator

Klarna merchant fees: typically 5.99% + $0.30 for Pay Later and installments. Calculate your net revenue per BNPL transaction. Free Klarna cost calculator.

Mode

Sale Price ($)

Enter a sale price to see the fee breakdown.

Frequently asked questions

Klarna Merchant Fee Calculator — 2026

Calculate your net revenue after Klarna's payment processing fee for Buy Now Pay Later transactions.

5.99% + $0.30

Standard US merchant rate for Klarna checkout.

BNPL comparison

See how Klarna fees compare to standard card processing.

Fee rates verified and updated May 2026. Rates may change — verify directly with the platform before transacting.

Example Calculations

Sale Price ($)	Total Fees	Your Net Earnings
$10.00	$0.90	$9.10
$50.00	$3.30	$46.71
$100.00	$6.29	$93.71
$500.00	$30.25	$469.75
$1,000.00	$60.20	$939.80

Based on default settings. Use the calculator above for your exact figures.