Test a pay in four schedule shown before confirming

The checks that matter

The schedule has four dates and four amounts, and a test that checks only the total misses the errors that actually reach a shopper.

Asserting the interest line explicitly is worth the extra clause. Zero interest is the entire product claim, and a schedule that adds a fee while the four payments still sum correctly is a different agreement than the one advertised.

The flow as a test file

The eligibility check uses a specific last four digits, which is what determines the approval outcome. A different value produces a decline, which is covered by its own file.

---
mode: testing
url: https://my-testing-repo-main.vercel.app/klarna-clone-app/checkout?reset=true
max_steps: 45
tags: [klarna, payments, bnpl]
---

# Klarnah 14.1: Pay in 4

Catalog objective: choose Klarnah at checkout and complete the pay-in-4 signup.
Key assertion: the instalment schedule is shown before confirming.

## Choose Klarnah
Verify the page subtitle reads "Studio Lamps · $180.00" and "Pay in 4 with Klarnah" is selected.

## Complete the quick check
Type "Priya Nair" into "Full name", type "4417" into "Last 4 of ID number", set "Date of birth" to "1992-04-18", and click "Continue with Klarnah".

## Verify the schedule appears before you confirm
Verify a badge reads "Approved - 4 interest-free payments" and the schedule table shows four payments of "$45.00" due "2026-09-15", "2026-09-29", "2026-10-13" and "2026-10-27", with "Total" of "$180.00" and "Interest" of "$0.00".

## Confirm the order
Click "Confirm and pay $45.00 today" and verify a green banner titled "Order placed" names order "KL-3301".

The order is the substance here: the schedule is asserted before the confirm button is pressed, because disclosure after commitment is not disclosure.

Step by step coverage

Four steps that move from selection through approval to the schedule and only then to the order.

The first payment being taken today, and the remaining three being scheduled, is the detail that distinguishes pay in four from a deferred payment. It is worth having in the file.

Adding it to a suite

kane-cli testmd run tests/klarna/pay-in-4_test.md

Dates in the schedule move with the order date, so this file is the version pinned to seeded data. For a live environment, assert the intervals rather than the absolute dates.

Regulated disclosures are the strongest case for deriving tests from a written requirement. From a PRD to evidence covers building a suite that way, and generating the variants covers producing the approval and decline pair together.