Klarna + Shuttle

Klarna is the world’s leading buy now, pay later provider, offering consumers flexible payment options including pay-in-4 installments, pay-in-30-days, and longer-term financing plans. For merchants and platforms, Klarna drives measurable increases in conversion rates and average order values by removing the upfront cost barrier for consumers. Klarna assumes the credit risk and pays the merchant in full upfront, while the consumer repays Klarna over time. Operating across Europe, the United States, and the United Kingdom, Klarna has become an expected payment option for millions of online shoppers, particularly in higher-value product categories.

Shuttle integrates Klarna as a payment method within its Embedded Payments and Payment Links channels, allowing platforms to offer buy now, pay later without building a direct Klarna integration. When a customer selects Klarna during checkout, Shuttle initiates the Klarna session, handles the credit decision redirect, and captures the authorization — all within the platform’s branded experience. The platform receives settlement from Klarna through Shuttle’s unified reconciliation, so BNPL transactions appear alongside card and other payment types in a single reporting view. This is particularly valuable for marketplace platforms where individual sellers benefit from Klarna’s higher conversion rates without each needing their own Klarna merchant agreement.

Offering Klarna through Shuttle’s PSP-neutral layer gives platforms the flexibility to present BNPL alongside traditional card payments, digital wallets, and other methods within one checkout flow. Shuttle’s smart routing can surface Klarna as a payment option based on transaction value, customer geography, or product category — showing installment options where they’re most likely to drive incremental sales. For platforms operating across multiple European markets, Shuttle ensures that the correct Klarna product is presented based on regional availability and consumer preferences, handling the complexity of multi-market BNPL while the platform maintains a single integration point.