Oliver POS doesn't have a partnership with Klarna. It supports Klarna the same way any WooCommerce store does — through Klarna's official WooCommerce plugin, opened inside Oliver's in-POS browser view at the counter. The cashier rings the sale, Oliver opens Klarna's hosted Pay in 4 / Pay in 30 / financing flow, the customer authenticates through Klarna's app or web prompt, and the transaction confirms. For higher-ticket retail, Klarna at the counter is often the difference between a closed sale and a "let me think about it".
What Klarna is, exactly
Klarna is a Swedish buy-now-pay-later (BNPL) provider. It offers three core consumer products: Pay in 4 (split a purchase into four interest-free instalments), Pay in 30 (pay the full amount within 30 days, interest-free), and Pay Over Time (longer-term financing, usually 6 to 36 months, often interest-bearing). Klarna pays the merchant in full upfront and carries the credit risk on the consumer.
For the merchant, Klarna sits in the higher fee bracket of payment methods — typically 3% to 6% of the transaction, depending on country, product mix, and Klarna programme — but it's structurally different from a card fee. Klarna is paying out the entire basket value immediately while taking on chargeback and default risk. The economics of a Klarna WooCommerce POS sale make sense when ticket size is high enough that the conversion lift outweighs the fee.
How Oliver POS opens Klarna at the counter
The cashier scans or selects items in Oliver's register screen, hits Checkout, and picks Klarna from the payment method list. Oliver opens Klarna's hosted checkout inside an in-POS browser view — a focused, kiosk-style webview locked to that sale.
Klarna prompts the customer for an email, phone number, or app login. The customer either confirms on the cashier's screen or completes the prompt on their own phone via Klarna's app push. Klarna performs its underwriting check in real time, approves the plan, and posts the confirmation back. Oliver writes the WooCommerce order with the correct line items, taxes, and tender type, and the receipt prints. The customer walks out with the goods. Klarna pays the store the next business day, minus the merchant fee.
The Klarna WooCommerce plugin — what Oliver rides on
The integration is built on the official Klarna Payments for WooCommerce plugin, maintained by Klarna and Krokedil. It installs from WordPress.org, connects to a Klarna Merchant ID and API credentials, and adds Pay in 4, Pay in 30, and Pay Over Time as standard WooCommerce payment methods. Oliver simply opens that already-configured Klarna checkout page when the cashier selects Klarna at the counter.
Klarna's plugin handles all of the underwriting, KYC, regulatory disclosures, and consumer messaging. Oliver doesn't intercept that flow, doesn't store Klarna credentials, and doesn't influence which Klarna products surface — those decisions are governed by Klarna's risk engine and the merchant's Klarna agreement.
Why Klarna is a good fit (and what to know)
Klarna is strongest in higher-ticket retail: furniture, jewellery, fashion, electronics, bikes, mattresses, beauty appliances, musical instruments. Anything where the customer walks in already considering whether to defer payment. In those categories, offering a Klarna WooCommerce POS option at the counter measurably lifts average order value and reduces walk-aways at the till.
What to know: Klarna's fees are higher than card fees, and Klarna's approval rate isn't 100%. Some customers will be declined or routed to a different Klarna plan than they expected. Klarna is also tightly regulated as a credit product in most markets — consumer messaging on the website and at the counter has to follow Klarna's brand and compliance rules. The plugin handles the on-page disclosures automatically; the counter conversation is on the cashier.
For low-ticket businesses (cafes, fast food, sub-£50 retail) Klarna usually isn't worth the fee. For anything above roughly £100 to £150 ticket, the maths starts to work.
What this is NOT
Oliver doesn't partner with Klarna. No co-marketing, no rev-share, no special rate, no preferred-merchant status. Oliver doesn't charge a markup on Klarna transactions — the merchant pays Klarna's published rate on the Klarna agreement, and Oliver takes nothing on top. Klarna is the merchant of record on the Klarna side of the receipt; the WooCommerce store remains the merchant of record on the goods. Oliver is the Point of Sale software that opens Klarna's hosted page at the counter, and that is the entire scope.
Setup in 4 steps
- Sign up with Klarna in your country and obtain a Merchant ID and API credentials.
- Install Klarna Payments for WooCommerce and paste the credentials. Configure which Klarna products (Pay in 4, Pay in 30, Pay Over Time) you want to surface.
- Add Klarna as a payment method inside Oliver's POS settings so it appears on the register checkout screen.
- Run a test sale in Klarna's sandbox, confirm the in-POS browser view loads Klarna's checkout, then switch to live mode and run a small live transaction to verify the order writes back to WooCommerce correctly.
FAQ
Does Oliver POS partner with Klarna?
No. The Klarna WooCommerce POS integration runs through Klarna's official WooCommerce plugin, which Oliver opens in an in-POS browser view at the counter. There is no contractual or commercial relationship between Oliver and Klarna.
Does Oliver charge a markup on Klarna?
No. The merchant pays Klarna's published rate directly under the Klarna merchant agreement. Oliver adds nothing on top.
When does the merchant get paid?
Klarna typically settles to the merchant within 1 to 14 days depending on country and Klarna programme, regardless of the consumer's chosen plan. The customer's instalment schedule is Klarna's problem, not the store's.
Can the customer choose Pay in 4 vs Pay Over Time at the counter?
Yes. Klarna's hosted checkout surfaces whichever Klarna products are enabled and the consumer qualifies for. The choice happens inside Klarna's flow, which Oliver opens in the in-POS browser view.
Oliver POS works with whichever WooCommerce-compatible gateway your store already runs. Browse the gateway list on /payments/, see the full integrations page, read the product details, compare plans on /pricing/, and try Oliver POS free for 30 days at /demo/.