> For the complete documentation index, see [llms.txt](https://docs.yoplanning.support/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.yoplanning.support/en/faq/faq-pour-le-parametrage/paiement-en-3-fois-sans-frais-avec-klarna-via-stripe.md). # Paiement en 3 fois sans frais avec Klarna via Stripe The 3-installment payment option allows your users to pay for their activities in several installments, without any fees for them. With Yoplanning, this option is available via **Stripe** by activating the **Klarna** payment method. ⚠️ Important: Yoplanning uses a **specific Stripe agreement negotiated for you**. You cannot activate Klarna yourself in your Stripe dashboard. Requests must be made to Yoplanning support (). *** ### What is the purpose of the 3-installment payment plan with no fees? Installment payments allow: * To increase the online conversion rate. * To facilitate the purchase of high-value activities. * To offer a modern and accessible solution to users. For your public institution, the process is simple: * You receive **100% of the amount immediately**. * The payment is secure. * Klarna will handle the customer's payment in 3 installments. * Klarna takes a commission for this service. From your organization's perspective, this is equivalent to a cash payment, with a commission slightly higher than a standard Stripe payment. *** ### Introducing Klarna Klarna is a company specializing in installment payments. In particular, it offers **payment in 3 installments without fees** for customers. To learn more about the service offered to users, you can visit the official website: 👉 *** ### How does Klarna work via Stripe Connect? Here's the principle: 1. The customer selects **Klarna** at the time of online payment. 2. Stripe processes the transaction. 3. Your organization has been credited with the total amount: * Minus the Stripe commission. * Minus the Klarna commission. 4. Klarna then collects the payment from the customer in 3 installments. 5. Klarna assumes the risk of non-payment. You do not need to manage any reminders or payment defaults. *** ### User-side conditions To pay in 3 installments: * The customer must be eligible according to Klarna's criteria. * He must have a Klarna account. * Acceptance is immediate upon payment. If Klarna refuses the request, the customer will have to choose another payment method. *** ### How do I activate Klarna on my Yoplanning account? Due to the **Stripe Yoplanning** operation, activation cannot be done directly by your structure. #### Step 1: Contact Yoplanning support Send a request to support specifying: * The name of your team. * Your wish to activate Klarna payment. #### Step 2: Activation by the Yoplanning team Our teams: 1. Activate Klarna on your Stripe account. 2. They check the compatibility of your configuration. 3. They make the necessary adjustments. #### Step 3: Payment Test Once activated: * Check that Klarna appears in your booking module. * Perform a test command if necessary. *** ### Best practices We recommend activating Klarna if you offer: * Internships. * Stays. * High-value activities. Consider this: * Clearly inform your users that the 3-installment payment option is available. * Check your transaction fees in Stripe. *** ### Common problems and solutions #### A user is refused by Klarna The decision rests solely with Klarna. Your organization cannot intervene. The customer will have to choose another payment method. *** #### Commission higher than for a bank card payment Klarna payment includes: * Stripe commission. * Klarna Commission. This explains the difference in cost compared to a standard card payment. *** ### In summary Pay in 3 installments with no fees via Klarna: * Improves the financial accessibility of your activities. * Secure your cash receipts. * It does not generate any risk of non-payment for your organization. * Activated only by the Yoplanning team in a Stripe Connect environment. For any activation requests, please contact Yoplanning support. For any questions regarding pricing, cost, or how Klarna works, please contact them directly through their website: 👉 --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. 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