Klarna through Shopify Payments for existing Klarna users

Topic summary

Shopify now offers Klarna integration directly through Shopify Payments, prompting existing Klarna users to consider switching from the standalone third-party payment method.

Key advantages of the Shopify Payments integration:

  • Lower transaction fees: 4.99% + 30p versus 5.25% + 30p
  • Eliminates the additional 1% Shopify fee for third-party payment methods
  • Simplified accounting through consolidated Shopify payouts
  • Enables international customers to use Klarna in their local currencies

Setup clarification:
Merchants do not need a separate Klarna merchant account if using Shopify Payments or Stripe. The feature can be enabled directly through Shopify’s payment settings with a simple toggle. Several users confirmed successful activation without prior Klarna merchant accounts.

Current limitation:
One merchant reports that international customers from Klarna-supported countries (e.g., Sweden) cannot see the Klarna option at checkout when the store only accepts GBP. This remains an unresolved issue, with the merchant considering whether to re-add Klarna as a third-party method despite higher fees.

Additional notes:
Some users suggest third-party solutions like Stripe-based checkout apps, and Klarna badges can be added to product pages through theme customization or apps like Conversion Bear Trust Badges.

Summarized with AI on October 25. AI used: claude-sonnet-4-5-20250929.

I am no expert

But as far as I can tell if it offered it to you on the dashboard and you can enable it then you are already good to go and it’s comes through as part of your Shopify payout, everything is handled by Shopify.

If it’s showing it at the checkout page you are good to go.

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