How the Klarna referral program works
Klarna advertises 'Earn $60, give $20'. The friend must take a monthly Klarna Card membership and make three purchases of at least $10 each within thirty days. The referrer needs no overdue balance to redeem. Despite Klarna being Swedish, this programme runs only in the United States.
What the program pays
What makes this program different
A referral gated on a paid subscription. The friend cannot qualify by shopping alone — they must take out a monthly Klarna Card membership, which converts the referral into a subscription acquisition rather than a transaction one.
Why it works
Paying $60 is defensible when the acquired asset is a recurring membership rather than a single purchase.
Three purchases over thirty days demonstrates habit, not curiosity.
Requiring the referrer to have no overdue balance keeps the programme from rewarding delinquent accounts.
What to copy
- Size the reward against the asset acquired. A subscription justifies far more than a one-off order.
- If you have a paid tier, consider making it the qualification event.
- Exclude referrers in arrears. It is an obvious control and very few programmes implement it.
- This is a US-only programme despite Klarna being a Swedish company. Do not describe it as available in Europe.
Klarna referrals, answered
How much does Klarna pay for a referral?
$60 to the referrer and $20 to the friend, as published on Klarna's US refer-a-friend page. The friend must take a monthly Klarna Card membership and make three purchases of $10 or more within thirty days.
Is the Klarna referral programme available outside the US?
Klarna publishes this programme only for the United States, despite being a Swedish company.
Klarna is not a ReferralFlo customer and this page is not affiliated with, endorsed by, or sponsored by Klarna. All terms described here are taken from Klarna’s own published materials as at 4 August 2026 and may have changed since. Trade marks are the property of their respective owners.
Want a program like Klarna’s?
ReferralFlo runs the mechanics on this page \u2014 tiered rewards, qualification rules, caps and payouts \u2014 without engineering time.