Klarna Is Now on Paybis: Buy Crypto In Europe In a Few Minutes
- Paybis now accepts Klarna Pay by Bank as a payment method for buying crypto
- Available in 7 European countries: Germany, Austria, the Netherlands, Belgium, Sweden, Finland, and Spain
- Minimum transaction: 10 EUR. Maximum: 5,000 EUR
- Most payments are complete within minutes, though some take up to 2 business days, depending on your bank
- Klarna’s name-matching system verifies your identity matches your bank account before payment goes through
If you’ve ever paid for something online with Klarna, you know how straightforward it is. Your account is set up, your bank is linked, and checkout takes seconds.
Now you can use that exact experience to buy crypto on Paybis.
The European Central Bank estimates that between 15% and 20% of European consumers want to buy crypto but hold back over security and trust concerns. Familiar payment methods are a direct answer to that.
Paybis, trusted by 5 million users globally and processing $2 billion annually, has partnered with Klarna to bring that familiarity to crypto. Nearly 60 million crypto holders across seven European markets can now buy crypto instantly using the payment flow they already know.
No new accounts and no extra setup. Just Klarna doing what it does, with crypto arriving in your wallet on the other side.
Ready to try it? Buy crypto with Klarna on Paybis.
Table of contents
What Is Klarna Pay by Bank?
Klarna Pay by Bank is a direct bank payment method. You connect your bank account through Klarna, scan a QR code to authorize the payment, and the funds are transferred straight from your bank. No card details and no installments needed.
When you use it on Paybis, you skip the “Pay Later” and “Pay over Time” options you might see in standard Klarna checkouts. Crypto is a regulated category, so the flow goes straight to the bank transfer. Simple and direct.
Where Is Klarna Available on Paybis?
Klarna Pay by Bank is live in 7 countries right now:
- Germany
- Austria
- Netherlands
- Belgium
- Sweden
- Finland
- Spain
If you’re in one of these countries, Klarna will appear as a payment option when you start your transaction.
Supported currencies: EUR for all countries. SEK for Sweden only.
How Much Can You Spend?
- Minimum: 10 EUR (or SEK equivalent)
- Maximum: 5,000 EUR (or SEK equivalent)
That covers most everyday purchases with room to spare.
How Do You Buy Crypto via Klarna with Paybis? Step-by-Step Process
Here’s exactly what happens when you buy crypto with Klarna on Paybis.
Step 1 — Start your purchase. Choose your fiat currency, select Klarna as your payment method, pick the crypto you want, and enter your wallet address.
Step 2 — Open the Klarna widget. A Klarna widget appears on screen. Click “Show Klarna options,” then “Pay with Klarna.”
Step 3 — Confirm your details. You’ll see a summary screen showing your email, phone number, merchant name, and payment type. Check everything looks right.
Step 4 — Choose your bank. A list of banks appears, tailored to your country. Select the one you want to pay from.
Step 5 — Authorize your bank account. Scan a QR code with your banking app to link your account. Once connected, your available accounts are listed. Pick the one you’re paying from.
Step 6 — Authorize the payment. Scan a second QR code in your banking app to approve the actual transaction.
Step 7 — Wait for confirmation. Most Klarna payments are processed within minutes. Some take up to 2 business days, depending on whether your bank supports SEPA Instant or standard SEPA transfers. Either way, you’ll see the final result on the standard Paybis approved or declined screen.
What Are the Fees?
EUR transactions:
- Under 251.25 EUR: flat fee of 5 EUR
- 251.26 EUR and above: 1.99% flat rate
SEK transactions (Sweden only):
- Under 676.6 SEK: flat fee of 21.86 SEK
- 676.7 SEK and above: 3.23% flat rate
Crypto network fees apply on top of these, as with any transaction on Paybis.
The Name Matching System: What You Need to Know
Paybis has enabled Klarna’s name-matching system. Before your payment goes through, Klarna checks that the name on your Paybis account matches the name registered to the bank account you’re paying from.
Before your first Klarna transaction, make sure your Paybis account name matches exactly what your bank has on file.
Why Klarna on Paybis?
Paybis CEO Innokenty Isers put it plainly: “European users are desperate for more trusted ways to buy and try crypto. Along with Paybis users, they can now enjoy the convenience of Klarna to buy crypto instantly on Paybis.”
With Klarna Pay in Full now live, Paybis supports 22 payment methods in total, well above the industry average. That’s 22 ways for users across 180+ countries to get into crypto on their own terms.
“This is just the start,” Isers added. “Our mission is to make crypto clear and simple for as many people as possible.”
Bottom Line
Klarna Pay by Bank is now live on Paybis for customers in Germany, Austria, the Netherlands, Belgium, Sweden, Finland, and Spain.
Fast to use, familiar from day one, and backed by Klarna’s built-in security layer. If you’re in a supported country, you’re ready to go.
FAQ
Which countries support Klarna on Paybis?
Klarna Pay by Bank is available in Germany, Austria, the Netherlands, Belgium, Sweden, Finland, and Spain. If you’re buying in one of these countries, Klarna will appear as a payment option at checkout.
What currencies can I use with Klarna?
EUR is supported across all seven countries. SEK is available for customers in Sweden only.
How long does a Klarna payment take to process?
Most payments are complete within minutes. Some can take up to 2 business days, depending on whether your bank supports SEPA Instant or standard SEPA transfers. You’ll see the final result on your Paybis confirmation screen.
Why was my Klarna payment declined?
The most common reason is a name mismatch. Paybis uses Klarna’s name-matching system, which checks that the name on your Paybis account matches the registered owner of the bank account you’re paying from. Make sure both match exactly before trying again.
Is there a transaction limit for Klarna payments?
Yes. The minimum is 10 EUR, and the maximum is 5,000 EUR per transaction.
Disclaimer: Don’t invest unless you’re prepared to lose all the money you invest. This is a high‑risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more at: https://go.payb.is/FCA-Info
