Overview
Klarna is a payment service that lets customers choose how they pay: at once, later, or in installments. In Frisbii Media, Klarna is available via the Stripe integration and can be offered at checkout for both single items and subscriptions.
→ For general information about Klarna payments, see: Pay with Klarna
Payment Options Offered by Klarna
Klarna offers three payment options you can make available to your customers:
Option | How it works | When to use it |
|---|---|---|
Pay Now | The customer pays immediately upon completing the purchase. | For recurring payments (subscriptions) |
Pay Later | Customer pays after receiving the product or service | If customers prefer to pay after receiving content or services. |
Pay in Installments | Payment split into smaller amounts over time | Make higher-priced subscriptions more accessible and drive growth. |
Financing | Long-term financing up to 36 months (subject to credit approval) | Support larger one-time purchases; Not all customers are approved for the maximum amount, and approval is subject to credit worthiness |
Limitations
Klarna decides whether customers can use Klarna for purchases and holds the sole right to receive payments from Klarna customers. Stripe acquires these purchases on your behalf and settles the funds with you.
For subscriptions, the initial invoice may be payable via installment payment, with future subscription renewals then processed via Pay Now.
Before you begin
You have an active Stripe account via Stripe Connect. If you haven't set up Stripe yet, start with the Stripe setup guide.
You have admin access to the Frisbii Media Merchant Backend (stage and live)
Note
We always recommend setting up and testing in the stage environment first, before doing the same in the live environment.
Step 1: Set up staging for testing
Log in to the stage Merchant Backend.
Log in to your Stripe account and make sure you open it in test mode, so the Frisbii Media stage environment is set up with the Stripe test environment first.
Step 2: Activate Klarna in Stripe
Settings → Payments
Open the payment methods section in the Stripe Dashboard.Payment methods
In the Payment methods tab, activate Klarna in the list of available payment methods.
When activation is successful, Klarna appears in Stripe with the status Active.
Step 3: Activate Klarna in the Merchant Backend
Settings → Financial → Payment Methods: Open the payment methods overview in the Merchant Backend.
Edit: On the Payment transactions tab, activate Klarna by ticking the checkboxes for single items and/or subscriptions, and select the countries where you want to allow the payment method.
Save the setting so Klarna is listed as an available payment method in the Merchant Backend.
When activation is successful, Klarna is shown as active in the list of payment methods.
Step 4: Activate Klarna in the checkout editor
To display Klarna in your checkout, add it as a payment method to a checkout component.
In the client, navigate to Settings → Applications → Checkout.
In the Components → Payments, create a new payments component containing Klarna.
Add the new payment component to an existing checkout variant.
In the client, navigate to Settings → Applications → Checkout.
In the Components → Payments, edit an existing payments component and add Klarna.
The component is automatically updated in the checkout variant.
Step 5: Test
Run a test checkout: Complete a test purchase using Klarna as the payment method in the stage environment.
Check the payment status: Verify in both the Stripe Dashboard and the Merchant Backend that the test payment is correctly marked as successful.
In Stripe, go to Transactions → Payments.
In Frisbii Media Merchant Backend, go to Log Center → Transactions.
Step 6: Go live
Activate live mode in Stripe: Switch your Stripe account from test mode to live mode and follow Step 2.
Live environment in the Merchant Backend: Repeat the steps from Step 3 and Step 4 in your live environment, since settings from the stage environment aren't carried over automatically.
Verify a live payment: After switching, process a first real Klarna payment to confirm the live configuration.
When the live setup is complete, customers can select Klarna as a payment method in the live checkout.
Klarna in Frisbii Media Checkout
The customer flow is as follows:
Customer selects Klarna as the payment method.
The customer is redirected to Klarna.
The customer enters their mobile phone number.
The customer confirms their mobile phone number with a code.
The customer enters their email address.
The customer enters their personal details.
Selects payment type (credit card or direct debit).
Credit card: Enter credit card details.
Direct debit: Enter/connect bank account.
The customer clicks Confirm with Klarna.
The customer is redirected back to the Frisbii Media checkout.
The customer completes the purchase by confirming.