Payment apps
Klarna Fee Calculator
Estimate Klarna's merchant fee and your net payout.
$55.11
Klarna no longer publishes a standard US merchant rate: its public pricing page was removed and rates are set per merchant in the Klarna portal (September 2026). The figures here — 5.99% + $0.30 standard, about 3.29% + $0.30 for high-volume merchants — are the last openly published ones. Use your contract rate. Fees checked Aug 13, 2026 against the official Klarna fee schedule. Last fee change May 2026.
How Klarna fees work
Klarna, the buy-now-pay-later provider, charges most US merchants 5.99% + $0.30 per transaction across its Pay-in-4, Pay-in-30 and financing products. Large merchants can negotiate lower rates.
Klarna pays you upfront and collects from the buyer in installments; the fee is your cost for offering it and the higher conversion it can bring.
Example: what you keep on Klarna
Here is what Klarna’s fees look like at a few common sale prices, before your own product and shipping costs:
| Sale price | Klarna fees | You keep |
|---|---|---|
| $25.00 | - $1.80 | $23.20 |
| $100.00 | - $6.29 | $93.71 |
| $500.00 | - $30.25 | $469.75 |
Enter your own numbers in the calculator above for an exact figure, including your item and shipping costs.
Reverse: how much should I charge to receive a target amount?
Invoicing a client? Enter what you want to actually receive after Klarnafees, and we’ll tell you what to charge.
Klarna takes $6.69 in fees (5.99% + $0.30), leaving you exactly $100.00.
| To receive | Charge (invoice) | Klarna keeps |
|---|---|---|
| $50.00 | $53.50 | $3.50 |
| $100.00 | $106.69 | $6.69 |
| $250.00 | $266.25 | $16.25 |
| $500.00 | $532.18 | $32.18 |
| $1,000.00 | $1,064.04 | $64.04 |
| $2,000.00 | $2,127.75 | $127.75 |
Klarna fees, broken down
- Klarna fee — 5.99% of each sale (item plus the shipping you charge).
- Fixed fee — a flat $0.30 per order.
Frequently asked questions
How much does Klarna charge merchants?+
Most US merchants pay 5.99% + $0.30 per transaction. Merchants with $5M+ in annual revenue can negotiate as low as 3.29% + $0.30. There are no monthly or signup fees.
Does the buyer pay Klarna fees?+
No, the merchant pays. Buyers split payments interest-free on the standard product, and you absorb the fee in exchange for higher conversion.
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