Buy now, pay later with Klarna
Buy the dream hair with Klarna
At Nythaar Extensions, we are pleased to offer our customers that they can buy hair extensions today and pay later with Klarna.
How to pay with Klarna
Would you like to place an order with Klarna as a payment method? Then you just have to shop with us exactly as you usually do:
1. Find your desired items and put them in the basket.
2. Proceed to the payment page by clicking 'Go to checkout,' and fill in your information.
3. When you get to the payment window, select 'Klarna' as the payment solution and follow the instructions in the Klarna window.
4. When the information has been approved, your purchase has gone through, and you will soon receive an e-mail about your account information at Klarna.
Karna's Privacy Notice
When adding Klarna Payments to your site, you need to consider
- Data protection and data sharing aspects
- Required wording on order confirmation button to ensure legal obligation to pay
- T&C information
Please seek legal advice to ensure compliance with applicable regulations.
National and EU rules such as the GDPR set certain limits to how and when you may share customer identifying information with Klarna.
If you share personal data with Klarna you need to explain this in your privacy notice and link to Klarna's privacy notice there. Below is an example of what that could look like in your existing privacy notice (the specific data categories transferred to be added, and text to be translated into your local language):
"In order to offer you Klarna's payment methods, we might in the checkout pass your personal data in the form of contact and order details to Klarna, in order for Klarna to assess whether you qualify for their payment methods and to tailor those payment methods for you. Your personal data transferred is processed in line with Klarna's own privacy notice .”
A court ruling (case C-249-21 ) has established a principle regarding what copy needs to be displayed on the order confirmation button in retailers' checkout in order to legally obligate the consumer to pay. It is not enough to just state "order"; it needs to combine an order with the obligation to pay, similar to wording like "order and pay". It is the responsibility of each individual online retailer who has integrated Klarna Payments to ensure compliance with the above-mentioned principle since the retailer controls the order confirmation button. More information can be found in KP Best Practices - payment widget .
Ensure that your terms and conditions reflect your cooperation with Klarna, and that you comply with applicable laws.
Then you are affected by the new credit layer
Sweden's Riksdag decided earlier this year on a new credit layer. In short, it means that if there is both a credit and a direct payment alternative in the till, the credit alternative must not be displayed first or already filled in. The Act enters into force on the first of July 2020.
Here's what you need to know if you have the following payment and checkout alternative:
Klarna Checkout (KCO): You do not need to take any action.
Klarna will handle the change and make sure that a direct payment alternative is shown first if one is available.
Klarna Payments (KP) without any direct payment alternative. You do not need to take any action.
You just have to make sure that a direct payment alternative is the first alternative if you offer it as a payment method.
Klarna Payment (KP) with a direct payment alternative: You must take action.
As an e-merchant with Klarna Payment (KP), you have control over the system of payment methods that you have in your checkout and will therefore have to take measures to comply with the new law.
Continue reading for more information about how KCO will be presented and which measures we recommend for you who have KP with a direct payment alternative.
What the new law means
The new credit law that Sweden's Riksdag has adopted ( Government's proposal ) will come into force on the first of July 2020 and will only be applied in Sweden. The law requires how different payment methods are presented at the checkout, and it forces e-tailers to show a direct payment alternative before a credit alternative, if both alternatives are available at the checkout.
The obligations in the new law apply to all parties who present or process payment methods. This includes: e-tailers, partners and payment service providers (PSP) such as banks. In order to be able to navigate the changes, we have created guidelines to help our e-tailers and partners adapt so that the new legal requirements are met.
What does this mean for me as a trader?
Exactly how you are affected depends on which payment methods you offer and which checkout solution you have chosen. The new law does not require that a merchant must offer a direct payment alternative, but controls how the payment alternative is presented at the till.
Below is an overview of Klarna payment methods, and how they are categorized in terms of credit or direct payment alternative.
What do I need to prepare?
Merchants with Klarna Checkout (KCO v2 & v3)
No action is needed. Klarna will update the current KCO solution for the Swedish market and ensure that the new layer requirements are followed. You will notice that a direct payment alternative, such as Direct Payment (when available), will be presented as the first payment alternative in your checkout.
Merchants with Klarna Payments (KP)
If you offer Klarna Payments at the checkout, Klarna cannot control in which system the payment alternative is presented. This means that it is the individual trader who is solely responsible for ensuring that the cash register is compatible and complies with the new legislation before it comes into effect (July 1, 2020).
If you have Klarna Payments (KP) and the majority of payment methods via Klarna within the same module, Klarna will sort them out. If there is a direct payment alternative, it will be presented first. Credit alternative that includes interest will always be presented last if there are other options available. If several payment methods with Klarna are placed in different modules, Klarna cannot control in which order they are presented.
Klarna will stop supporting Klarna payment methods (KPM) from September 2020. Action is recommended.
Klarna will no longer support KPM from September 2020. To get automatic updates (including legal compliance), we recommend that all merchants migrate to Klarna Checkout (KCO) or Klarna Payments (KP). With KCO, Klarna will handle the sorting of payment methods for you. To migrate to KCO, you can use the self-service flow available in the portal for traders ( link ). Please talk to your contact at Klarna to get more information about prices and how to transfer to Klarna Checkout or Klarna Payments.
New credit legislation - How you will be impacted
New legislation has been adopted by the Swedish Parliament stating that if both credit and debit payment options are offered by a merchant, the debit option(s) must be presented before the credit option(s) in the checkout. This law takes effect on 1 July 2020.
Here's what you need to know if you have the following payment & checkout options:
Klarna Checkout (KCO): No action required.
Klarna will take care of all the logic to ensure debit payment options are shown first.
Klarna Payments (KP) with no debit options: No action required.
You are only required to make sure a debit option is placed as the first option if you offer it as a payment method.
Klarna Payment (KP) with debit options: Action required.
As a merchant, you are in control of the order in which payment methods are organized inside your checkout and will need to take steps to comply with the new law.
Continue reading for more details on how KCO will be presented, and what actions we recommend if you have KP with debit options.
What the new law means
New legislation ( Government's proposition ) adopted by the Swedish Parliament will take effect on 1 July 2020, and will only be applicable to Sweden. The law sets requirements on the presentation of payment methods in online checkouts, enforcing debit payment options to be displayed before any credit payment options, if both are available.
Obligations in the new regulation apply to any parties who present or process payment methods. This includes: merchants, partners, and Payment Service Providers (PSP) like banks. To navigate the new changes, we've published guidelines, to help our merchants and partners to ensure compliance with the legal requirements.
What does this mean for me as a merchant?
The impact for you as a merchant will depend on what payment methods you offer and what checkout solution you use. The new legislation does not require merchants to provide debit payment methods, but does regulate how to present them in an online checkout if you do.
Below is an overview of Klarna payment methods, and how each categorizes in terms of credit or debit options.
What do I need to do to be prepared?
Merchants with Klarna Checkout (KCO v2 & v3)
No action needed. Klarna will update the current KCO solution for the Swedish market to make sure that the new legal requirements are followed. You will notice that debit payment methods such as Direct Debit, (when available), will be presented as the first option in your checkout.
Merchants with Klarna Payments (KP)
If you offer Klarna Payments in your checkout, Klarna cannot control the order or logic in which the payment methods are presented. Therefore, as a merchant you are solely responsible to ensure your checkout is compliant and lawful according to the new legislation before it enters into force (1 July 2020).
If you have Klarna Payments (KP) and multiple Klarna payment methods within the same widget then we will manage the logic of sorting these. If a debit payment option exists then that will be displayed first. Credit payment methods that include interest rates will always be displayed as the last option if others exist. If the multiple Klarna payment methods are placed in different widgets then we cannot control in what order they will be sorted.
Klarna will discontinue support of Klarna Payment Methods (KPM) as of September 2020. Action recommended.
Klarna will no longer be supporting KPM as of September 2020. For automatic updates (including legal compliance), we recommend all merchants move to Klarna Checkout (KCO) or Klarna Payments (KP). With KCO, Klarna will handle the sorting of payment methods for you. To migrate to KCO, you can use the self service flow that is available in the merchants portal ( link ). Please reach out to your Klarna account manager to get more information about pricing and how to transfer to Klarna Checkout or Klarna Payments.