Overview
What is Klarna?
Klarna is a Buy Now, Pay Later (BNPL) provider that gives your customers the ability to split project costs into interest-free installments, making it easier for you to win larger jobs by offering pay over time options. You get paid in full once the job is marked as paid.
What are the fees to use Klarna?
Klarna’s processing fee is 4.99% per transaction. There are no fees for enabling Klarna.
Is there a minimum or maximum job size to offer Klarna?
The job size will need to fall within the minimum and maximum range below to show up on your invoices.
USD: $1 - $10,000
CAD: $1 - $17,500
Getting Started
How do I enable Klarna?
⚙️ Product requirement: To enable Klarna, you must be set up with Housecall Pro Payments.
If you’re already set up to take payments with Housecall Pro:
Navigate to My Money > Payouts
Locate the Klarna banner and click on Turn on
You’re all set – Klarna will automatically be offered on your customer’s invoices.
If you’re not set up to take payments with Housecall Pro yet:
Navigate to My Money
Click Set up payments
After completing the setup, you’ll be prompted to enable Klarna
Once you’ve clicked on Turn on, you’re all set! Klarna will automatically be shown on your customer’s invoices.
If you’ve skipped activating Klarna, you can always toggle it on in your invoice settings:
Go to Settings > Invoices
Toggle "Accept 'Buy Now, Pay Later' (Klarna)" on.
Workflows and Payment
How do I offer Klarna as a payment option?
Once you have Klarna toggled on, Klarna will be automatically shown as a payment option on your customer’s invoices or estimates that require a deposit.
📌 Note: If your customer is a new Klarna user, they will need to create an account during the checkout process to proceed.
What are the different payment options my customers can choose from?
Klarna offers a variety of payment options for your customers:
Pay in 4: Customers pay in four interest-free installments
Pay in 30: Customers pay in a single payment in 30 days
Financing: Customers pay for the purchase over a longer term up to 36 months
Pay in full: Customers pay for the purchase immediately
How do I get paid?
While your customers pay in installments, you get paid in full once the job is complete. Klarna will disburse the funds directly to you.
Funds will reach your bank account in 2 business days.
How do I track my payouts?
To track your Klarna payouts, head to your Payouts page in My Money. Klarna transactions will be labeled as "Klarna" under the Payment method column.
Disputes and Refunds
How do I respond to a dispute?
If you have received a dispute from a customer, you’ll be notified through email from Housecall Pro.
When you receive an inquiry dispute, you will have a 21-calendar-day timeframe as an opportunity to work with your customer to resolve the dispute directly before it escalates to a chargeback dispute.
You have a few options during the inquiry dispute period:
You can work with your customer directly who filed the dispute to resolve the issue, in which your customer can withdraw the dispute.
You can choose not to fight the dispute and ‘Accept’ the disputed charge as a loss by issuing a refund to your customer. Accepting the dispute as a loss is irreversible.
You can allow the dispute to escalate by ignoring the inquiry, or if you are unable to resolve the issue. It will escalate to a chargeback dispute, in which you can submit evidence to challenge the dispute.
If an inquiry dispute remains unresolved after the 21-calendar-day timeframe, the dispute automatically escalates to a chargeback dispute.
📌 Note: When the dispute escalates to a chargeback dispute, the disputed funds will be held, and you will incur a $25 dispute fee.
During the chargeback period, the dispute process will be the same as our credit card dispute process, with the difference being that you will have 12 calendar days to submit evidence. It’s important to note that you can only submit evidence one time, so be sure to submit ALL the evidence together.
If the dispute is ruled in your favor, the disputed amount and the $25 dispute fee will be credited to your Housecall Pro account.
If the dispute is lost, your customer will be refunded the dispute amount, and you will incur the $25 dispute fee.
How do I issue a refund?
To process a refund to your customer, you can initiate the refund on the Job Details page. Under Payment history, click on Refund to issue a refund.
Enter the dollar amount to be refunded in the 'Refund amount' field. You can choose to enter the full payment amount or a partial amount.
Additional Questions
Will there be added functionality in the future?
Toggling Klarna on or off on individual invoices: You will be able to toggle Klarna as a payment option at the individual invoice level. Currently, enabling or disabling Klarna will apply to all invoices.
QuickBooks Online sync: Your Klarna transactions will integrate with QuickBooks.
Payments Reports: Klarna will be listed as the payment method for the transaction in reporting.
Franchises: Klarna will be available for Franchise partners in a future date.
How do I disable Klarna?
To disable Klarna, go to Settings > Invoices > toggle "Accept 'Buy Now, Pay Later' (Klarna)" off.
Can I still offer financing through Wisetack with Klarna enabled?
Yes. Klarna is typically used by customers to pay in smaller, interest-free payments through their Pay in 4 or Pay in 30 payment options. You can still have Wisetack enabled alongside Klarna at the same time.
Can I market Klarna on my website?
Yes! For more information on how to display or message Klarna on your website, please visit the following pages on Klarna’s site:
Will Klarna be available on estimates?
Currently, Klarna is only available on estimates that require a deposit. Once the estimate is approved by your customer, they will be prompted to pay the deposit.
Need help or have questions?
We're here for you! Chat with Support using the Blue Chat Bubble in your Housecall Pro account, or give us a call at (858) 842-5746.