An App That Allows To Split The Purchase In 4 Interest-Free Payments

Buy Now Pay Later App is one of the latest market trends online shoppers like. It gives the facility to purchase desired stuff at your payment convenience. In short, these apps are also known as BNPL and work like credit cards. However, the biggest advantage is that no interest is charged on the purchase. That is the reason behind using BNPL apps.

This week Klarna app grabbed our attention. It is a fantastic app that allows users to pay with flexibility. One of the best points is that it does not impact the credit score, so that a user can use it freely. In addition, it offers multiple payment options, such as direct payment, pays after delivery, and instalment plans. For example, a user can pay in four instalments without interest.

Another interesting fact is that it offers two versions, one for shoppers and another for businesses. Its USPs are:

  • Pay with flexibility
  • Snooze payment
  • Easy payment handling
  • Purchase Pharmacy
  • Safe payment mechanism
  • Paperless payments

An app like Klarna is the best example of a buy now, pay later app. That is the reason behind the fact that 150 million users are using the Klarna app. So if you plan to launch buy now, pay later apps with no credit check, then it is a perfect reference.

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    25 Million
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    User Ratings

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    Buy Now Pay Later App
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    Stockholm, Sweden
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One Of The Crown Apps In Buy Now Pay Later App Like Klarna- At A Glance

It was 2005 when the Klarna app launched, and Klarna Bank AB owns it, one of Sweden's leading banks. This app soon gained more popularity among BNPL apps (buy now, pay later mobile apps). Initially, it was launched as the Swedish version of PayPal. Later in 2016, it got its new intro to the world via adding a pay later feature. When it comes to buying now pay later app development, Klarna is always the first preference.

With continuous progress, the Klarna app is generating good revenue. Up to 2024, the most stores that accepted Klarna were in the United States. In Europe, however, the number of users was much higher. Klarna offers eco-friendly and AI-powered payment and shopping services that are used by more than 150 million people around the world every day and process 2 million transactions. The US brings in the most money for Klarna, and 8 million people use the Klarna app every month.

It comes with two variants - An app for shoppers and App for business. The Klarna app for shoppers facilitates the users for -

  • Pay how you like: the users can pay the amount per their flexibility.
  • 4 Interest-Free Installments: users can pay in four instalments without any interest rate.
  • No Credit Impact: instant approval process has zero impact on the credit score.

The Klarna app helps businesses grow faster, including having a great customer base. There are 400k+ retailers onboarded on this app and leveraging it for their business. Most people downloaded Klarna more than twice as many times as other BNPL apps like My Argos Card. With the help of the Klarna business app, business owners provide super flexibility.

The advantages a business can enjoy are

  • New customers
  • Elevated customer experience
  • Seller protection
  • Easy business insight
  • Marketing Solutions

And more.

Screenshots of Klarna - The Best App for Buy Now Pay Later

The following screenshots showcase glimpses of the Klarna app. From these, you can have a basic idea of what it stands for. It is one of the best buys now pay later apps that you will find awesome while using it. It is a perfect solution for businesses and shoppers worldwide. On the other hand, works as one of the top-notch references for mobile app developers to build BNPL apps.

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Key Features of The Best Buy Now Pay Later App- Klarna

Features are the main USPs for any app in this world, so the same is applied to the Klarna app. So here are the features from the customer’s and business’s point of view.

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Pay in 4

The users are allowed to split the payment into four parts where the first one will be upfront, and the rest of the three instalments deducted every two weeks. The first payment is charged after order confirmation by the merchant.

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Pay Later in 30 Days

The users need to purchase from the partnering merchants. At the time of check-out, users must choose - Pay later in 30 days with Klarna. After confirmation of shipment, users get a digital invoice about payment due in 30 days.

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Monthly Financing

Suppose a user wants to go for a larger purchase. They can also opt for financing options under the partnership with WeBank. It provides easy financing options that allow users to large shopping.

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Create Account

To sign up on the app, you only need an e-mail; after putting your e-mail, it will send you a verification code. After verification, the user can set the account password and profile.

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It is fantastic that a user or a retailer can get category-wise support for any issue such as payments, refunds, account & settings, products & services, delivery & returns, fraud & security, and more.

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Multiple Payment Receiving Methods

The businesses can receive payments in multiple modes, such as four interest-free payments, offering an extra 30 days to pay and paying in full today. These are all options you can use to engage the customers in the best way.

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Partner Program

By using the app, a retailer can join the partner program and become part of the legacy. The brands such as 121ecommerce, 1rockwell, Absolute Web, Adobe commerce and others are already partners of Klarna.

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Business Support

An app like Klarna provides equal support to customers and business partners or onboarded businesses on the app. A business can ask for support for any issue at any time. The support team is available all the time.

Cost To Develop An App Like Klarna

An app like Klarna is such a fantastic app to take the reference for mobile app development. BNPL, aka Buy, Now Pay Later is the most trending concept now these days, and people are adopting it due to the apps like Klarna; they have the flexibility to pay the amount for their purchase. There are more than 150 million users are using which indicates its popularity.

If you want to develop an app like Klarna, you might be researching the cost of developing a Buy Now Pay Later App. An app contains multiple components, and their development cost forms the overall cost of app development. So, these factors are:

  • UI/UX development
  • Front-end Development
  • Backend Development
  • Wireframing
  • Image & Graphic Designing
  • App Hosting & Web Hosting
  • App Submission
  • Marketing & Promotion

The cost of mobile app development also depends on the platform that you want to focus on launching the app, such as Android app development or iPhone app development. The cost of an app like Klarna app development ranges between $8000-$15000 with all key features. If you want to add more features, it may cost you $25,000 or more, depending on the number of advanced features and functionalities.

How Does Klarna App Works?

Get Started

First, a user must download the latest version from the Apple app store or Google Play Store. After installation, it will ask you to create the account with the help of an official e-mail id, followed by verification. It will also ask to put the other details. Once the account sets up, it will take you to the page where you can find in-store that accepts the payment via the Klarna app.

In-App navigation

For better use of the app, it is also needed to be understood the in-app navigation. So, users reach the home page or screen whenever they log into the app. There, an individual can see multiple options such as shopping online, in-store, one-time cards and others, history, inviting friends etc. A user can also search & find the desired option via a powerful search bar at the top near the home icon.

Shopping With Klarna

Shopping with the Klarna app is a fantastic thing that you user finds interesting with multiple flexible payment options. Here, a user needs to tap on the shop online option and then search a retailer, for example, Walmart, Amazon, Etsy or any other. Once a user adds the items to the card, the app will generate a one-time card for shopping. Then a user selects the payment method, such as 4 pay or pays later in 30 days. Including the external store, a user can also opt for the in-store purchase.

How to Develop An App Like Klarna?

For developing an app like Klarna, there are some crucial steps involved with it. To complete the app, you can consider the segments such as the user panel, retailer panel, and admin panel. The user panel facilitates the users to purchase the desired product and pay later. On the other side, the retailer or merchant panel helps the brand owners to manage their in-app online store. Finally, the admin panel will work as a complete control panel for the app owners.

The following are some crucial steps while developing an app like Klarna:

Competitor Research

The most crucial step is to research and study the competitors. It will help you decide about developing and including USPs in your app to stay out of the crowd. Here it would help if you studied theri strategy and what unique they are doing.

Essential Features Shortlisting

The next step is to shortlist the features that you need in your app. These features can help you develop the app unique compared to the other existing app in the market. It would be best if you also included advanced features.

Monetization Strategy

The supreme objective of app development is to generate good revenue. So while planning for an app like Klarna, it is one of the important things. However, the core model is about earning a commission on each purchase.

Tech Stack

It is important to make sure you use the latest technology to ensure the best user experience. In addition, it will help you to develop a robust and secure app, including developing state-of-the-art functionality in the app.

Target Audience

Focusing on the target audience always works fantastic. It gives you an idea of the latest trends users follow and what they would like to have in their app if they want to use the new buy now pay later app.


This point has a strong correlation with the above point. You can find your target audience on the platform, i.e., Android and iOS. These platforms have their advantages. For example - iOS mobile app development is the best if you want to target USA users.

Hire App Developers

These are the mobile app developers who can help you to develop an app with perfection. The best idea is to enquire about the experience, skills, and exposure to the projects based on similar ideas with discussion with mobile app developers for hire.


Testing of Buy Now Pays Later app is equally important as developing the app. The app is about payment, so that any minor bug can lead to vulnerabilities. It is also related to creating the best user experience.

Marketing & Promotion

Although marketing and promotion are post-development activities, they have more importance than anything else. A fine marketing strategy can lead your app to millions of customers.

What Are The Best Alternatives Of Klarna App Availbale In The Market?

Klarna App is one of the leading mobile applications in the Buy Now Pay Later segment and works as the best reference for those who want to launch an app like Klarna. Similar to the other apps, Klarna also has alternatives that you can refer to. These alternatives are:

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App’s Available On

Klarna App: The Best App Built On The Concept of Buy Now Pay Later is available on Android, iOS and Web.
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The online purchasing is beneficial for both i.e., for sellers and consumers. When the customer find that now they can pay later or in interest free installments then their joy about shopping increase. The BNPL apps provides ample chances to the users to shop their favored stuff and pay later as per their convenience. These apps are generating good revenue and moving towards gaining more momentum in the market. If you are planning to launch app like Klarna or want to go for Buy Now Pay Later app development then it is the right time to move forward with experienced developers. It would be much better to hire dedicated developers for it.

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