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How to take payments using Klarna

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In this guide you will learn how clients can use Klarna without a direct integration with Timely, and the key benefits of this approach. Clients can pay using a Klarna virtual card, while you receive payment as a standard card transaction.

Important note: Timely does not currently integrate directly with Klarna. However, clients can still use Klarna to pay for appointments using a Klarna virtual card, which works like a standard debit or credit card at checkout.

 

 

How to process sales with Klarna without integration

Clients can still pay using Klarna even if it is not connected to Timely by following these steps upon checkout: 

 

1 Open the Klarna app on their phones.

 

2 Generate a one-time virtual card.

 

3 Use the virtual card via contactless payment, just like a standard card payment. From your perspective as a business, this is processed like any other card payment.

 

 
Benefits of using Klarna without integration

Using Klarna via a virtual card means:

  • No integration or setup required in Timely.
     
  • No separate Klarna merchant agreement needed.
     
  • No additional Buy Now Pay Later (BNPL) processing fees (which can be around 6–8% per transaction).
     
  • Payments are processed like standard card transactions.
     
  • Refunds are processed the same way as any standard card payment in Timely, using your usual refund process.
     


Frequently asked questions (FAQs)

  • Can I add Klarna directly to Timely?
    No. Timely does not currently integrate with Klarna. Clients can still use Klarna via a virtual card at checkout.
     
  • Will I receive payments from Klarna differently?
    No. Payments made with a Klarna virtual card are processed like standard card payments.
     
  • Are there extra fees for using Klarna this way?
    No additional Klarna fees apply. You only pay your usual card processing fees.
     

  • Will refunds still work normally?
    Yes. Refunds are processed the same way as standard card payments.

     

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