Aeion Commerce + Klarna — BNPL Conversion Lift
The Buy Now Pay Later leader in EU + a strong US presence. Pay in 4 (4 interest-free installments), Pay in 30 (30-day deferred), Financing (6-24 month longer terms). Klarna pays you upfront; customer pays Klarna over time. 10-15% checkout conversion uplift typical at AOVs > $50.
When BNPL Wins
Buy Now Pay Later adds checkout conversion most at:
Setup
- Apply for a Klarna merchant account at
https://www.klarna.com/business/
Order Placement + Refund Flow
Klarna's own dashboard distinguishes authorization from capture, but Aeion's Klarna integration auto-captures at order placement rather than holding a separate capture-on-ship step:
Klarna Sessions API
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Common Gotchas
- Approval is per-customer, not per-merchant — Klarna decides eligibility based on the buyer's credit + history. You can offer Klarna; Klarna may decline. Show fallback to card if Klarna declines.
FAQ
Klarna for EU + best US presence + Pay in 4 default; Affirm for higher-AOV financing (US-strong); Afterpay for AU/NZ origin + fashion/beauty. Most US deployments enable Klarna + Affirm (Klarna's Pay in 4 is the most-redeemed; Affirm captures higher-AOV intent).
2-6% depending on terms + region. Lower for Pay in 4 (short-term, low-risk for Klarna); higher for Financing (longer terms, more credit risk). Negotiated with Klarna directly.
No. Klarna pays the merchant in full (less fee) at capture. If the customer defaults on installments, Klarna eats the loss. This is the value proposition vs accepting installment plans directly.
Not simultaneously — Aeion enforces one enabled provider per type, so only one Klarna region/credential set can be active at a time. Pick the region matching your primary customer base.
Yes, regardless of how much the customer has already paid Klarna. Klarna settles the difference with the customer.
Klarna for Business is a separate product (B2B invoicing + financing). Aeion's adapter currently handles B2C Klarna; talk to Klarna directly for B2B. On the roadmap.