Let them pay for the puppy over time.
A buyer can split the full purchase into Klarna installments. You are paid for the sale; Klarna carries the plan.
The fee is identical on card, Cash App Pay and Klarna — about $39.73 on a $2,000 puppy, whichever they pick.
The buyer spreads it; you are paid in full
Klarna settles the purchase and collects the installments from the buyer. The money reaches you as one payment on the sale — you are not waiting on a payment plan or chasing anybody for month three.
The buyer is charged the same either way
A buyer picking installments pays exactly what a buyer picking a card pays — on a $2,000 puppy, about $39.73 on both. That is deliberate: a fee that changes with the payment method is a surcharge, and surcharges are capped on credit, barred on debit and illegal outright in four states.
Your switch, your call
Financing is off until you turn it on, per kennel. Klarna costs roughly double a card, and that difference comes out of your proceeds rather than the buyer's total — so whether the extra conversion is worth it is genuinely your decision to make.
From your switch to a paid sale.
Four steps, and the only decision that is yours is the first one.
- 01
Turn payment plans on for your kennel
One setting. Leave it off and buyers simply see card and Cash App Pay.
- 02
Send the balance request
The buyer gets a link for the full amount, with installments offered alongside the card.
- 03
They choose how to pay
Card, Cash App Pay, or spread over Klarna installments. The fee they see is the same on all three.
- 04
You are paid for the sale
Klarna carries the installment risk from there. The hand-off, the contract and the confirmed pickup work exactly as they do on any other sale.
Built for the disputes that actually happen.
Card, Cash App Pay and Klarna all run through the same payments stack, with fraud screening on every charge and a documented record behind every sale \u2014 which is what you need when a buyer disputes one.
Card, Cash App Pay and Klarna, each with fraud screening on every charge.
Firebase-powered alerts to breeders on new leads, deposits, and reminders. Buyers get availability and purchase updates instantly.
E-signed contracts and vaccination records stay attached to the puppy and the buyer.
Take the buyer who cannot write one check.
Installments on the full purchase, a fee the buyer recognizes, and a sale that settles to you like any other.