Payment apps
Klarna Fee Calculator
Estimate Klarna's merchant fee and your net payout.
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Klarna's standard US merchant fee is 5.99% + $0.30 per transaction. High-volume merchants ($5M+/yr) can negotiate down to about 3.29% + $0.30. Last updated 2026-05.
How Klarna fees work
Klarna, the buy-now-pay-later provider, charges most US merchants 5.99% + $0.30 per transaction across its Pay-in-4, Pay-in-30 and financing products. Large merchants can negotiate lower rates.
Klarna pays you upfront and collects from the buyer in installments; the fee is your cost for offering it and the higher conversion it can bring.
Frequently asked questions
How much does Klarna charge merchants?+
Most US merchants pay 5.99% + $0.30 per transaction. Merchants with $5M+ in annual revenue can negotiate as low as 3.29% + $0.30. There are no monthly or signup fees.
Does the buyer pay Klarna fees?+
No, the merchant pays. Buyers split payments interest-free on the standard product, and you absorb the fee in exchange for higher conversion.