How to Accept Klarna Payments as a Small Business with Lopay

Read time: <span>7</span> min min

by James Redding

We’ve all been there. You send a payment link to a customer for a high-value product or a large service invoice, and… crickets. They want what you’re selling, but the upfront cost is making them hesitate. What if you could give them the flexibility to spread the cost, while you still get paid in full, immediately? Now you can. We’re thrilled to announce that eligible Lopay merchants can now offer Buy Now, Pay Later (BNPL) via Klarna directly on their Payment Links!

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The Problem with "Paying in Full"

For many small businesses, large transactions mean friction. Customers abandon purchases, downgrade their orders, or ask for awkward payment plans that leave you acting like a debt collector. It suffocates your cash flow, eats up your admin time, and stunts your business growth.

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Enter Klarna: Your New Growth Engine

By adding Klarna to your payment arsenal, you completely flip the script. You give your customers the ultimate financial flexibility, removing the biggest barrier to purchase. Here is how offering Klarna via Lopay supercharges your business:

Get Paid Upfront (No, really): While your customer gets to pay over time in manageable instalments, you receive the full order amount in your Lopay account immediately (minus the transaction fee). Your cash flow stays healthy and predictable.
Skyrocket Conversions & Order Values: When buyers aren't hit with a massive upfront bill, their purchasing power expands. Industry data consistently shows that offering BNPL options like Klarna reduces drop-offs, boosts conversion rates by up to 30%, and significantly increases average order values.
Zero Repayment Risk: What if your customer misses an instalment? That's not your problem. Klarna assumes all the credit and repayment risk. They handle the collections and the reminders, meaning you can focus entirely on growing your business instead of chasing down debts.
Frictionless Checkout: Your customer simply clicks your Lopay Payment Link, chooses Klarna, and selects the instalment option that works for them. Once confirmed, Klarna redirects them back, the order is complete, and you get paid.
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Simple, Transparent Pricing

We believe in keeping things simple so you can keep your margins clear. Accepting Klarna via Lopay comes with a fully inclusive fee of 4.99% + 35p per transaction.

There are no hidden monthly subscription fees, no setup costs, and no surprise charges.

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How to Switch It On

Because Klarna requires a quick eligibility review by our payment processor (Stripe), this feature isn't switched on by default. Currently, Klarna is available for UK-based merchants selling to UK-based customers.

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Ready to boost your sales? Getting set up is incredibly quick:

Drop us a quick email at support@lopay.com to request access.
Once approved, open your Lopay app and tap the ☰ icon in the top-right.
Go to Account Settings > Payment options.
Toggle on Klarna, review the terms, and hit Continue.

That’s it! The next time you send a Payment Link, your customers will see the option to checkout with Klarna.

Don't let price hesitation cost you another sale. Email support@lopay.com today to get Klarna activated on your account.