Pay overtime with Klarna Klarna is one of Europe’s largest banks, providing payment solutions such as direct payments, pay-after-delivery options and instalment plans in a one-click purchase experience. Find out more by visiting klarna.com and see some details below. Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.