How to Enable Klarna With Stripe and MemberPress?

Klarna is a “buy now, pay later” payment method, allowing customers to purchase subscriptions for memberships on your site, and pay in installments. 

MemberPress integration with Stripe allows you to receive payments with Klarna. This document will show you how to set this up and provide more details on using Klarna. 

Receiving Payments With Klarna

Klarna as a payment method is supported only through the built-in MemberPress integration with Stripe. Thus, before enabling Klarna, please connect Stripe to MemberPress on your site, and test the connection to make sure it’s functioning well. You will find the Klarna option in your Stripe account by navigating to Settings > Payment Methods and scrolling down to the “Buy now, pay later” section.

After your Stripe connection is properly set, please enable Klarna as a payment method in your Stripe account and then in MemberPress.

Please check more details on setting this up in the “How To Enable Payment Methods With Stripe and Memberpress” document.

Once Klarna is enabled, your membership registration forms will show this new payment option. Klarna payment option will be available on both Stripe Checkout and Stripe Element forms. 

Note: Your Stripe payment form will show Klarna as a payment method when you toggle on the Klarna option in MemberPress settings. Please keep in mind that Klarna will be available on your forms, even if it's not enabled as a payment method in your Stripe account. To avoid any possible issues, please make sure that Klarna is enabled in your Stripe account before enabling it in MemberPress.

What’s Important to Know About Using Klarna?

The Klarna payment option will show only if all conditions are met, as Klarna integration comes with several limitations imposed by Klarna or Stripe. 

Firstly, it’s important to mention that Klarna can only be used for non-recurring payments. Thus, this payment method will not be visible on the registration pages of your recurring memberships. Also, Klarna doesn’t support delayed payments. Accordingly, Klarna as a payment option will not be available for memberships with free or paid trials.

Further, Klarna supports a limited number of countries and currencies. To use Klarna with MemberPress, please make sure that the currency in MemberPress settings is set to one of the following: AUD, CAD, CHF, CZK, DKK, EUR, GBP, NOK, NZD, PLN, SEK, or USD. 

Note: The currency of the customer’s country must match your website currency when using Klarna. To illustrate, if your website currency is GBP, you can transact only with users from the United Kingdom. Similarly, if the currency is set to EUR, you can transact with users from any supported country that uses EUR.

When it comes to countries, the country you set in your MemberPress settings needs to be one of the countries supported for Klarna by Stripe: Austria, Belgium, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States, Australia, New Zealand, Canada.

In addition, you can only accept Klarna payments from customers from the countries mentioned above. 

The exceptions are customers from Estonia, Latvia, Lithuania, Slovakia, and Slovenia. You can set any of these countries in your MemberPress settings and sell your memberships through Klarna. On the contrary, you can’t receive Klarna payments from customers coming from these countries.

You can also find more information about Klarna payments in Stripe documentation.