How to Get Klarna on TikTok Shop

Offering flexible payment options like Klarna on your TikTok Shop can significantly increase your conversion rates and average order values. If you're a seller wondering how to get this powerful Buy Now, Pay Later feature integrated into your storefront, you’ve come to the right place. This guide explains exactly how Klarna works on TikTok Shop, what you can control, and how to effectively market it to grow your business.

What is Klarna on TikTok Shop, and Why Does It Matter?

Before getting into the "how," it's important to understand what you're working with. Klarna is a payment service that allows customers to make a purchase immediately but pay for it over time in installments. On TikTok Shop, this typically means a “Pay in 4” model where the customer pays 25% of the total cost upfront, with the remaining three payments automatically charged to their card every two weeks. The best part for the customer? It's completely interest-free when they pay on time.

This is a game-changer for both sides of the transaction:

• For Sellers: You receive the full payment upfront from Klarna, just as you would with a regular credit card transaction. Klarna assumes the risk of collecting the installment payments from the customer. By offering this flexibility, you remove price as a barrier, which often leads to higher conversion rates (fewer abandoned carts) and larger average order values as customers feel more comfortable buying higher-ticket items or adding more to their carts.
• For Buyers: They get the instant gratification of owning the product now while managing their budget more effectively. It makes spontaneous or larger purchases feel much more accessible without the commitment of paying the entire sum at once.

Essentially, adding a BNPL option like Klarna makes your shop more appealing, reduces purchase friction, and can directly translate into more sales.

How to Actually Get an Option for Klarna at Checkout on TikTok Shop

This is the big question for most sellers, and the answer is simpler than you might think - though perhaps not what you expect. You, as a seller, do not manually enable or activate Klarna for your TikTok Shop. It’s not a setting you can just toggle on or off in your dashboard.

Instead, Klarna integration is part of a direct, top-level partnership between TikTok and Klarna. TikTok automatically enables Klarna as a payment option for shops that meet its internal eligibility criteria. While they don't publish an official checklist, eligibility is likely based on several factors, similar to how they vet sellers for other features.

To put it simply: if your shop is eligible, Klarna will automatically appear as a payment method for your customers at checkout. If it’s not eligible yet, there isn't a button you can press or a form you can fill out to request it.

Probable Eligibility Factors For Seller Accounts

While unconfirmed by TikTok, the platform likely looks at the following signals to determine if a shop qualifies for the Klarna integration:

• Store Location: TikTok and Klarna’s partnership is regional. Currently, it's primarily available for sellers and buyers in specific regions like the United States and the United Kingdom. If you operate outside these areas, you likely won't see the option.
• Seller Performance: Your shop's track record is a major factor. This includes positive reviews, a low rate of customer disputes or returns, and timely shipping. TikTok needs to trust that you’re a reliable seller before offering advanced payment features through your store.
• Sales History: Newer shops with little to no sales history may not be immediately eligible. Demonstrating consistent sales over a period of time shows TikTok you have an established and viable business.
• Product Category: Certain product categories may be prioritized or excluded based on TikTok and Klarna’s terms of service. For example, some restricted goods might not be eligible for BNPL services.

The goal for TikTok is to create a seamless and trustworthy shopping experience. It rolls out features like Klarna to proven sellers to minimize risk and ensure buyers have a positive experience.

How to Check If Klarna Is Active on Your TikTok Shop

Since you can't activate it yourself, how do you know if your shop has been granted this feature? The most reliable way is to go through your own checkout process as if you were a customer. You don't need to complete the purchase, just go far enough to see the payment options.

Follow these steps:

1. Log into a separate TikTok account from your seller account, or ask a friend to help. This avoids any conflicts with your seller account’s interface.
2. Navigate to your shop's profile and find one of your products.
3. Add the item to your cart and tap "Checkout."
4. Fill out the shipping information to proceed to the payment selection screen.
5. Under "Select payment method," carefully review the list of options. If your store is eligible, you will see Klarna listed alongside debit/credit cards, PayPal, and Apple Pay. It’s usually displayed with the Klarna logo and a brief description like "Pay in 4 installments."

If you see the option, congratulations! Your shop is ready to offer flexible payments. If you don't, it simply means your account hasn't met the eligibility criteria yet. The best thing you can do is focus on growing your shop, generating sales, and maintaining excellent customer service.

You Have Klarna! Now What? How Sellers Can Market This Feature

Discovering that Klarna is active on your shop is a huge win. But your work isn't done. Your customers may not know it's an option unless you tell them. Actively promoting this payment method in your content and on your product pages is how you turn this feature into a real sales driver.

1. Update Your Product Descriptions and Bio

It's important that you call it out. The easiest place to start is your existing "real estate."

• Product Descriptions: Add a short, clear line to your product descriptions, especially for items over $30-$40. Something simple like, "Shop now, pay later! Available with Klarna at checkout," works perfectly.
• TikTok Bio: You can even add it to your TikTok bio: "CEO of [Your Niche] ✨ Pay in 4 with Klarna 💅."

2. Create TikTok Videos Highlighting Flexible Payments

Your content is your most powerful marketing tool. Create videos that normalize and celebrate buying now and paying later.

• "Affordability Breakdown" Video: Create a video showcasing one of your pricier products. Use text overlays to break down the cost. For instance, if you're selling a $120 handbag, the text could read: "Don't want to pay $120 upfront? Get it for only 4 payments of $30 with Klarna! Tap the link to shop." This reframes the cost and makes the purchase feel much more manageable.
• Subtle "How-To" Content: Make a quick screen recording or visual tutorial showing the checkout process and highlighting where to click to select the Klarna option. Keep it short and quick with a voice-over that says, "Did you know you could split your payment into four? Here's how it works."
• Trend Integration: Use a popular audio or trend and adapt it to the idea of buying what you want without stress. For example, a "girl math" video that justifies a purchase by explaining it only costs one Klarna payment *today*.

3. Engage Actively in Your Comments Section

Your comments section is a fantastic place to convert interested viewers into customers. When users ask questions about price or express hesitation, you have a perfect opportunity.

• When someone comments "how much?” or "I wish I could afford this!", you can reply with something like "It's $[price], and you can split it into 4 interest-free payments with Klarna at checkout!" This is a direct, helpful, and supportive response that solves their problem right at the moment of interest.

A Quick Guide for Shoppers: How to Use Klarna At Checkout

To help you, as a seller, to understand your customers fully, here’s a look at the simple steps a buyer takes to use Klarna. Understanding their experience will help you create better marketing content and answer any questions they might have.

1. They add your product to their cart and head to checkout.
2. On the payment screen, they select "Klarna" from the list of available methods.
3. Here, TikTok prompts them to "Continue to Klarna," redirecting them to a secure Klarna pop-up or window.
4. If they're a new Klarna user, they'll enter a few basic details (like their email, phone number, and date of birth) for an instant approval decision. Returning users simply log in.
5. Once approved, they see a clear breakdown of the four payments. They add their debit or credit card for the first payment, and the remaining three payments will be automatically charged later.
6. Finally, they review and confirm their purchase. They're sent back to the completed checkout on TikTok Shop. That's all it takes.

The process is designed for a seamless, fast workflow - it should take less than a minute - to keep the buying momentum going.

Final Thoughts

Getting Klarna on your TikTok Shop isn't something sellers can control themselves, it’s an automated feature granted by TikTok to eligible shops. Your best strategy is to focus on being a great seller with a solid track record. Once you have it, the real opportunity lies in marketing it effectively through your content to reduce sticker shock and significantly boost your sales.

Once you start creating content to showcase Klarna, it's essential to keep your posting schedule organized. With Postbase, our modern social media management platform, you can plan all your promotional material for TikTok and other social networks in a single visual calendar. Our features help you stay consistent and post at the perfect time, giving you more freedom to focus on growing your business instead of worrying about your scheduler.