Payment apps
Klarna Fee Calculator
Estimate Klarna's merchant fee and your net payout.
$0.00
Klarna's standard US merchant fee is 5.99% + $0.30 per transaction. High-volume merchants ($5M+/yr) can negotiate down to about 3.29% + $0.30. Last updated 2026-05.
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.
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.