How to Develop a BNPL App like Klarna: A Step-by-Step Guide

Buy Now Pay Later (BNPL) apps have grown in popularity by offering customers a flexible payment option for their purchases. Klarna, a key player in the BNPL area, has transformed the way consumers shop online. In this blog article, we will go over the steps for creating a bespoke BNPL app like Klarna, as well as the crucial features to include. This article will be useful if you want to enter the fintech business and design your own BNPL app.

How does Klarna work?

Before we go into the development process, let's have a look at how Klarna works. Klarna is an e-commerce app that allows consumers to shop now and pay later in installments. Users can choose Klarna as their payment method throughout the checkout process when making a transaction. Klarna pays the merchant on the user's behalf and allows the payment to be split into many installments. Users can then repay over time, often without incurring interest charges, depending on the terms and conditions.

Features to include in Your custom Buy Now Pay Later App like Klarna

  1. User Registration and Authentication: Enable users to create accounts and securely authenticate themselves using email, social media logins, or phone numbers.
  2. Product Catalog and Browsing: Implement a comprehensive product catalog with search and filtering options to allow users to browse and select items they wish to purchase.
  3. Payment Options: Integrate with various payment gateways to facilitate secure and seamless transactions, supporting credit/debit cards, bank transfers, and digital wallets.
  4. Installment Plans and Calculations: Develop a robust system to calculate and present installment plans to users based on their purchase amount, allowing them to choose the desired payment schedule.
  5. Order Management and Tracking: Provide users with an overview of their orders, including order details, payment due dates, and tracking information. Implement notifications to keep users informed about their payment schedule.
  6. Account Management: Allow users to manage their profiles, view transaction history, update payment methods, and modify installment plans if necessary.
  7. Customer Support: Incorporate a customer support feature to address user inquiries, provide assistance, and handle disputes or payment-related issues.

Step-by-Step Process to Develop a Buy Now Pay Later App like Klarna

1. Conduct Market Research and Analysis

Begin by conducting extensive market research to learn about the target audience, their preferences, and the competitive landscape. Examine existing BNPL apps, including their features and user comments. Identify market gaps and potential for distinction to guide the development of your app.

2. Define App Requirements and Features:

Define the precise requirements and features for your BNPL app based on market research. Consider user registration, product catalog and browsing, payment options, installment plans, order administration, customer service, and e-commerce platform connections. Prioritise features that meet the needs of your target audience and set your app apart from the competition.

3. Select the Technology Stack

Select the right technology stack for your app development. Consider frameworks such as React Native or Flutter for cross-platform interoperability. These frameworks enable you to create a single codebase that can run on both the iOS and Android platforms. To support the app's functionality, choose a backend framework (such as Node.js, Ruby on Rails, or Django) and an appropriate database. Quytech is one of the best ecommerce app development company for your business. 

4. Design the User Interface and User Experience

Create an intuitive and visually appealing design for your app's user interface (UI) and ensure a seamless user experience (UX). Create wireframes and design mockups to visualize the layout, navigation, and interactions of the app. Concentrate on creating a user-friendly interface that streamlines the buying and payment experience while being visually consistent and responsive across multiple devices.

5. Develop the Frontend and Backend

Create the Frontend and Backend: Begin the development process by creating your app's frontend and backend components. Develop the front end using the specified technology stack, creating UI designs and integrating necessary functionality like as user registration, product browsing, and payment processing. Develop the backend architecture to manage user data, transactions, and connections with payment gateways and e-commerce platforms at the same time.

6. Integrate Payment Gateways

Connect your app to major payment gateways to facilitate secure and easy transactions. Identify reliable payment gateway providers and use their APIs to make payment processing easier. Check for payment method compatibility, such as credit/debit cards, bank transfers, and digital wallets. Implement a user-friendly checkout process that allows users to select BNPL choices during payment.

Learn more: Top 10 Android App Development Companies

7. Test and Debug

Test and debug your software thoroughly to guarantee functionality, performance, and compatibility. Perform manual and automated testing on a variety of devices, platforms, and scenarios. User registration, product browsing, payment processing, installment plan calculations, and order administration are all things to test. Identify and resolve any defects or issues discovered during the testing phase.

8. Deploy and Launch

Get your software ready for deployment by configuring servers, hosting, and optimizing performance. Create developer accounts on the major app shops (Google Play, Apple App Store) and follow their app submission rules. Publish your app to the app stores and ensure that it passes the relevant review processes. Launch your BNPL app after it has been approved and promote it through marketing and advertising campaigns.


Developing a BNPL app like Klarna requires a systematic approach, from conducting market research to deploying the app in the market. By following a step-by-step process, including defining app requirements, selecting the right technology stack, designing a user-friendly interface, integrating payment gateways, and thoroughly testing the app, you can create a robust and user-centric BNPL app. Collaborating with a fintech app development company with expertise in creating financial applications can further enhance the development process. With careful execution and a focus on user experience, your custom BNPL app has the potential to succeed in the competitive fintech landscape.

How to Develop a BNPL App like Klarna: A Step-by-Step Guide
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