Klarna Pay in Full

Klarna Pay in Full Non-Guaranteed

Direct bank payments through Klarna, without restrictions.
Offer your customers the trusted Klarna experience with direct payment, even in sectors where standard Klarna is not available. Ideal for business owners seeking freedom, flexibility and international coverage.

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Quick and easy to activate

With Klarna Pay in Full (Non-Guaranteed), you add an additional payment option to your checkout in one go.

  • Plug and Play via Pay. Without separate contracts or complicated onboarding.
  • Works directly with Pay's API.
  • Real-time updates so your order processing is always correct.
  • Seamless user experience in the recognizable Klarna style.
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Full control over payments

Unlike the standard Klarna solution, with this option you bear the payment risk yourself. That means:

  • You decide how to handle outstanding or failed payments.
  • Complete transparency thanks to detailed reports in Pay's dashboard.
  • Instant insight into reversals and settlement updates.
  • Maximum freedom to tailor your payment process to your business model.
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Who is it suitable for?

This payment method is specially designed for entrepreneurs and platforms that want Klarna quality, but without the limitations of the standard acceptance criteria. This is how you open up new markets and customer groups, without compromising on ease of use.

  • Gaming
  • Crypto
  • Online gaming
  • Travel agencies / services
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International coverage

Klarna Pay in Full (Non-Guaranteed) is available in countries where Klarna supports Pay by Bank, including:

  • Netherlands, Belgium, Germany, Austria and other SEPA countries.
  • Support for multiple currencies and languages, depending on your checkout settings.
  • One integration through Pay. for all your markets.
  • Maximum freedom to tailor your payment process to your business model.

Why choose Klarna Pay in Full
Non-Guaranteed?

Find out what benefits this has for you.

More about Klarna Pay in Full
Direct bank payment

Customers charge immediately. No credit review or payment delays.

Greater acceptance

Also available for segments that exclude Klarna by default.

Trusted Klarna expression

Higher conversion through recognizable and user-friendly flow.

Full direction

You manage the risk and set your own payment policy.

Frequently Asked Questions

All you need to know

Get in touch

Does Klarna Pay in Full work as smoothly as standard Klarna?

Yes. The customer sees the same recognizable Klarna checkout. The only difference is that payment is made directly through bank and not guaranteed by Klarna.

Is there additional risk for me as a business owner?

Yes. Because it is non-guaranteed, you bear the risk yourself in case of a failed payment. On the other hand, you gain access to markets where standard Klarna is not available.

What are the rates for Klarna Pay in Full Non-Guaranteed?

All rates can be found on the rates page.

In which countries can I use Klarna Pay in Full Non-Guaranteed?

All countries where Klarna Pay in Full Non - Guaranteed operates:

  • Austria
  • Australia
  • Belgium
  • Canada
  • Switzerland
  • Czech Republic
  • Germany
  • Denmark
  • Spain
  • Finland
  • France
  • Greece
  • Hungary
  • Ireland
  • Italy
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Sweden
  • Slovakia
  • United Kingdom
  • United States

What does Pay in Full - Non Guaranteed mean?

With Klarna Pay in Full - Non Guaranteed, the customer pays the full amount directly via bank transfer. However, there is no payment guarantee: if the payment is later not made by the bank, the risk lies with you as a merchant.

On the other hand, you do benefit from the advantages of the Klarna checkout. Your customers recognize the familiar payment flow, while you maintain access to features such as order management, refunds and real-time status updates. So you combine convenience for your customer with control over your payment process.

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