Klarna Fee Calculator
Higher fee against a bigger basket.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
Klarna fee per order
$4.91
3.5% of a $140.00 order
The fee is $1.85 higher, but the order is $45.00 larger — so each Klarna order is worth $22.90 more in gross profit. That basket lift is the whole case for offering it. Buy-now-pay-later rates run well above card rates because the provider takes the credit risk and pays you in full up front. The trade is a higher fee against a higher average order value and better conversion.
How the Klarna Fee Calculator works
Klarna costs more than a card because it is not really a payment method — it is short-term credit, underwritten by someone else, with you paid in full up front. The question is never whether the fee is higher. It is whether the basket it produces is enough bigger to cover it.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What does Klarna charge merchants?
Typically around 3% to 5% plus a fixed fee, varying by market, product and negotiated volume. Higher than card processing, because Klarna carries the credit risk and pays you regardless of whether the customer pays them.
Does it actually increase order value?
Providers report substantial lifts, and independent evidence supports a real effect in fashion, furniture and other considered purchases. The lift is much smaller in low-value repeat categories, where the fee just erodes margin.
Do I get paid if the customer defaults?
Yes. You are paid up front and the provider carries the non-payment risk. That transfer of risk is the main thing the higher fee buys.
What happens on a return?
You refund through Klarna and it unwinds the customer's plan. The merchant fee treatment on refunds varies by agreement — check yours, because in high-return categories it materially changes the economics.