Klarna & Buy Now, Pay Later fees
BNPL · Global (Klarna, Afterpay, Affirm, Zip)
Accepting Klarna & Buy Now, Pay Later typically costs merchants 3%-6% + ~$0.30 (merchant pays more than cards). Buy Now, Pay Later (Klarna, Afterpay, Affirm, Zip) lets shoppers split payment into installments while the merchant is paid in full upfront. The provider takes the credit and fraud risk, so the merchant fee is HIGHER than cards — typically 3%-6% + a fixed fee. Merchants accept the higher cost because BNPL lifts conversion and average order value.
Source: Processor pricing pages. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Klarna & Buy Now, Pay Later at a glance
| Type | BNPL |
|---|---|
| Typical merchant fee | 3%-6% + ~$0.30 (merchant pays more than cards) |
| Region | Global (Klarna, Afterpay, Affirm, Zip) |
| Settlement | Merchant paid upfront; provider carries credit risk |
| Chargebacks / disputes | Provider handles fraud/credit risk; disputes via provider |
| Cheapest for | Higher-ticket retail where conversion/AOV lift justifies the fee. |
Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What drives the cost
- Higher rate than cards (provider carries credit risk)
- Conversion and AOV uplift offsets cost
- Varies by provider and country
Processors that support BNPL
Flat rate · 2.90% + $0.30
AdyenInterchange-plus · Interchange-plus
MolliePer-method pricing · 1.80% + $0.28
Frequently asked questions
How much does it cost merchants to accept klarna & buy now, pay later?
3%-6% + ~$0.30 (merchant pays more than cards). Buy Now, Pay Later (Klarna, Afterpay, Affirm, Zip) lets shoppers split payment into installments while the merchant is paid in full upfront. The provider takes the credit and fraud risk, so the merchant fee is HIGHER than cards — typically 3%-6% + a fixed fee. Merchants accept the higher cost because BNPL lifts conversion and average order value. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What drives the cost of BNPL for a merchant?
Key cost drivers: Higher rate than cards (provider carries credit risk); Conversion and AOV uplift offsets cost; Varies by provider and country. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Does BNPL have chargebacks?
Provider handles fraud/credit risk; disputes via provider
Which processors support BNPL?
Among the processors we track, Stripe, Adyen, Mollie support BNPL. Compare their full fee schedules on each processor page.
Keep exploring
Last updated: 2026-06-29