Stripe Klarna Fees
Klarna BNPL on Stripe — 5.99% + 30¢ in the US, 3.85% + 25¢ in most EU countries, 3.25% in Sweden. Worth it for higher-AOV products and BNPL-friendly demographics.
At a glance
- US Klarna
- 5.99% + 30¢
- EU Klarna (most)
- 3.85% + 25¢
- Sweden Klarna
- 3.25% + 1.80 SEK
- Conversion lift
- +15–30% on AOV $50+
- Best for
- Fashion, electronics, mid-AOV consumer
Klarna on Stripe is 5.99% + 30¢ in the US — substantially higher than the 2.9% card rate. In Europe, Klarna is 3.85% + 25¢ in most markets, and 3.25% in Sweden (Klarna’s home market). The premium is what funds Klarna’s installment underwriting and consumer credit risk; in exchange, BNPL typically lifts conversion 15–30% on AOV >$50.
Frequently asked questions
When does Klarna’s higher fee pay off?
Does Klarna handle the consumer underwriting?
Related calculators & guides
- Stripe Afterpay (Clearpay) FeesAfterpay/Clearpay BNPL on Stripe — 6.0% + 30¢ in the US. Pay-in-4 installment financing for younger demographics. Worth it on higher-AOV fashion, beauty, and consumer goods.
- Stripe Fees in the United StatesComplete Stripe pricing for US merchants — domestic and international cards, ACH, Apple Pay, Klarna, Afterpay, Cash App, and Connect, with worked examples for every common scenario.
- Stripe Fees in the United KingdomUK Stripe pricing in detail — 1.5% + 20p on European cards, 3.25% on non-European, plus Bacs Direct Debit, Klarna, Afterpay, and currency conversion. Worked examples for every UK merchant scenario.
- Stripe Fees in GermanyGerman Stripe pricing — 1.5% + 25¢ on European cards, 2.5% on non-European, plus SEPA, Klarna, and Sofort. Worked examples in EUR.
- Stripe Fees in SwedenSwedish Stripe pricing — 1.5% + 1.80 SEK on European cards, plus Klarna at 3.25% + 1.80 SEK.
- Stripe Fees for E-commerceHow Stripe fees compare across payment methods for e-commerce — cards vs Apple Pay vs Klarna vs Afterpay vs Cash App, and which to promote at checkout.
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