A UK-based merchant is seeking Buy Now Pay Later (BNPL) options for their Shopify store. Initial research into Klarna, Shop Pay/Affirm, Splitit, and Dividio yielded no clear solutions.
Klarna Integration Clarified:
Klarna is available in the UK but requires manual setup through the Klarna Merchant Portal (not via Shopify App Store)
Customers are redirected to Klarna’s hosted payment page to complete purchases
Critical Limitations Identified:
A user highlights significant regional restrictions with Klarna:
Requires UK business registration, GBP base currency, and UK bank account for UK customers
Cannot serve multiple regions (e.g., UK + USA) from a single store
Each region requires separate store setup with local registration, currency, and bank account
Klarna’s previous “global gateway” has been discontinued
These restrictions apply across EU, Australia, and Asia as well
Alternative Solution:
Easy Pie Checkout for Shopify was suggested as an option that accepts Klarna, Clearpay, and other payment methods via Stripe integration.
The discussion remains open regarding practical multi-region BNPL solutions for UK merchants serving international customers.
Summarized with AI on October 28.
AI used: claude-sonnet-4-5-20250929.
Hello, I am working with a client based in UK who would like to offer buy now pay later on their products but can not find an app or other service that is eligible in the UK. I have looked into klarna, shop pay/affirm, splitit, dividio, and have viewed this list with no luck: https://www.shopify.com/uk/payment-gateways/united-kingdom
Does anyone know an app which can currently be used to offer “buy now pay later” to customers located in the UK?
It is hard for me to believe there is not a single option for this region as there are many for other European countries. Thanks!
So there is a klarna app, klarna payment gateway, and neither work in UK shopify stores correct? I need to setup merchant portal then manually integrate by inputting the relevant information in my payment settings? Then customers will be taken off-site to finish purchase? Do I have that right? Thanks
If you don’t yet havea Klarna account, you can sign up for a Klarna account at http://klarna.com/business
Once you have your account, you can complete the integration in the Klarna Merchant Portal and your Shopify store admin. Customers will be redirected from your Shopify checkout to Klarna’s hosted payment page to complete a Klarna purchase.
If you need further support, the team at skosm@klarna.com is happy to help!
If you want to have Klarna for a UK customer, you have to:
have your business registered in the UK
have your store currency set to GBP
have a UK bank account
If you want to then offer Klarna to USA clients, you can’t. You have to have a separate store, that:
is registered in the USA
has USD as your base currency
have a US bank account.
I have just gone through all of this with Klarna as I have a UK store, with a UK bank account, but most of my clients are in the US, so I have my base currency as the USD. As it stands, NO-ONE can use my Klarna integration as I don’t have the USA registration and account, and for the UK clients I don’t have my base currency as GBP.
This also applies for every other region as well. So the EU and Australia, and Asia.
Previously Klarna had the global gateway, but they have removed it now and you can’t use it for international clients. Basically, Klarna is completely useless.
You can only use Klarna internationally if you use wordpress or something similar. You can’t use shopify or Woocommerce or any of the others.
Try Easy Pie Checkout for Shopify. You can accept payments with Klarna, Clearpay and more payment methods via Stripe. Video Preview for Klarna: https://youtu.be/YIEaJew4CKA