Additional information is available to FareHarbor employees.
Klarna is a Buy now, pay later (BNPL) payment method offered in various markets, allowing customers the option to pay for the bookings in installments. You as the activity provider will receive the full payment, and Klarna will collect the money in installments from your customer.
Klarna is available only for online payments to customers in the following countries:
- Europe: Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, and the United Kingdom.
- North America: Canada and the United States.
- Oceania: Australia and New Zealand.
In case you don’t see Klarna on the online checkout screen, contact FareHarbor Support to request its enablement on your Dashboard.
Tip: Once Klarna is enabled on your Dashboard, promote the availability of the payment method on your website.
How do Klarna payments work on FareHarbor?
After your customer chooses the number of tickets for each customer type, the next step is to select their payment method.
Note: Klarna payments require the customer to enter their name, address, city, state, postal code and country before proceeding.
After clicking Book and pay, the customer is redirected to Klarna to enter their account information, then redirected back to FareHarbor to view their booking confirmation.
The booking overview also shows Klarna as the payment method.
Viewing Klarna payments in FareHarbor reports
You can view Klarna payments in reports
In the Sales report, group by Credit Card Type and select Klarna as the type of card.
Learn more about using filters and grouping options in the Advanced reports.
Disputes, refunds, and payouts
- Disputes are possible for payments made through Klarna, and standard dispute resolution procedures will apply.
- Refunds are processed as normal.
- Payouts are handled as normal.
- Stripe is the only supported payment processor.
Frequently asked questions (FAQs)
Is there a spend limit for customers using Klarna?
The spend limit depends on the customer. Klarna payments have a minimum value of $1 and maximum of around $2000 USD. The spend limit is determined per-customer by Klarna based on their previous interactions with Klarna. For more information on how the spend limit is determined, reference Klarna’s help center.
Can I use Klarna to sell high ticket items like a private event or charter?
Due to the spend limit, Klarna is not a suitable solution for bookings over $2000 in cost.
Why do some customers see Klarna as a payment option even if their booking amount exceeds Klarna’s spending limit?
Due to the unique per-customer spend limit and Klarna confirming that on their end, customers will see Klarna as a payment method regardless of the price of the booking. When they attempt to complete booking with Klarna and are declined due to their spend limit the booking will not go through. They will then be able to use a different payment method.
Is the processing fee in addition to the credit card fees?
No, it’s not in addition to the credit card fees. It’s a flat fee.
If the customer fails to pay Klarna, will Klarna reverse the payment from your account?
No, once the booking is completed online, you will receive the full payment like a regular payment in your payouts. Klarna takes over the liability of collecting the remaining amount from the customer.
Why are the processing fees as high / higher than the standard card processing fees?
Buy Now, Pay Later payments are generally “riskier” than traditional payment methods, as the chance of the customer not completing the payment with Klarna is higher.
Companies are however, protected from this, as they don’t have to follow-up with the customers to collect the remaining amount.
Also, Klarna’s processing fees for companies directly working with them, range from 4% to 8% depending on the payment amount, the customer’s risk profile, the reputation of the company. etc. This fee is paid by the company.
With FareHarbor, the following processing fees apply:
- USD - 3.4% + 30 cents
- CAD - 3.4% + 30 cents
- EUR
- 2.2% + 30 cents for EUR (Default)
- 2.65% + 30 cents for Ireland, Czech Republic, Slovakia
- 3.05% + 30 cents for France, Greece, Italy, Portugal, Spain
- AUD - 3.55% + 30 cents
- NZD - 3.55% + 30 cents
- DKK - 2.2% + 3 DKK
- NOK - 2.2% + 3 NOK
- SEK - 2.2% + 3 SEK
- RON - 2.65% + 3 RON
- CZK - 2.65% + 7 CZK
Which cards does Klarna accept?
Klarna supports Visa, Discover, Maestro, and Mastercard.
Klarna doesn’t support Amex and prepaid cards.
Can I opt out of Klarna?
In case you have to opt out of using Klarna as a payment method, please reach out to FareHarbor Support or your Account Manager to request it.