Buy now pay later lets you divide your total purchase amount into smaller payments. Instacart offers two options: Klarna and PayPal Pay Later. This feature isn’t available on Groceries Powered by Instacart.

Klarna

Klarna lets you split your order into 4 interest-free payments, collected every 2 weeks from the debit or credit card on file until the purchase is paid in full.

How Klarna payments work

  • There are no fees when you pay on time.
  • Your first Klarna payment is based on the authorization total divided by 4 and is due at checkout.
  • The remaining 3 payments are adjusted based on the final total of your order minus the first payment.
  • For refunded items, Klarna updates the remaining balance to reflect the new refunded amount.

Klarna limitations

You can add, replace, or refund items after placing your order. Additions that exceed the original authorized amount have separate authorizations and must be more than $10 to qualify for Pay in 4.

  • While Klarna is available for alcohol purchases, it can't be used at alcohol-only retailers.
  • Klarna can’t be used to purchase prescriptions.
  • Klarna may not be available for purchases at certain retailers.
  • Klarna may not be available for all payment methods.
  • You can’t move charges to a different payment method after placing your order.
  • Klarna orders can’t be used with EBT SNAP.

Check out with Klarna

  1. Select Klarna as a payment method at checkout.
  2. Select Pay With Klarna.
  3. You’ll be directed to Klarna’s site to confirm your information, add a payment method, and verify your payment plan.

Klarna payments default to your original selection, Pay now, Pay in 4, or Pay Later X. To change your default, remove Klarna from your Saved payment methods and re-add it with your new selection.

Payments and balance inquiries

Klarna places a temporary authorization hold on your bank account after you complete a purchase. It can take up to 24 hours for a hold to lift after a failed or canceled purchase.

Depending on your payment method and bank, it may take more time to reflect in your account. 

For questions about payments, balance inquiries, or rejected purchases: go to the Klarna app, visit klarna.com/us/customer-service, or call (844) 552-7621.

PayPal Pay Later

PayPal Pay Later lets you divide your total purchase amount into smaller payments using your PayPal account. There are two different plans you can choose from, depending on how much your order costs.

Available plans

  • Pay in 4 — Split your cost into 4 payments with no interest. This works for orders from $10 to $2,000.
  • Pay Monthly — A longer plan for bigger orders. This works for orders from $199 to $10,000.

Check out with PayPal Pay Later

  1. Pick PayPal Pay Later when you are ready to pay. A window will not pop up yet.
  2. Add your tip and check your order details. Then tap Place Order.
  3. A PayPal window will open showing the total cost, including the tip. Pick your plan and approve it.
  4. Your order is confirmed. If the final price is different from what you approved, PayPal will email you.

ℹ️ You must approve PayPal Pay Later for every single order, even if you saved it as a payment method.

PayPal Pay Later limitations

  • You cannot use this for orders with alcohol or prescriptions.
  • Orders must be at least $10 to use Pay in 4.
  • After you place your order, you can only add items if the new total stays under your original PayPal approval limit. If adding an item makes the total go over that limit, you cannot add it.
  • If you want to increase your tip after placing an order, you cannot do it if the new tip makes the total go over your approval limit.
  • You can use this with Instacart Credits, EBT SNAP, or Chase Pay With Points. You cannot combine it with other payment methods.

Payments and balance inquiries

If you need help with your PayPal login, you can contact PayPal support online at https://www.paypal.com/us/smarthelp/contact-us, call (888) 221-1161, or use the PayPal app.

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