Klarna

Intro

As Klarna offer various payment methods, multiple paymentProductId exist. Find all possible values in the Integration chapter.

Klarna is a Swedish Bank that offers a vast variety of payment methods, providing maximum security for both your customers and you.

Offering a vast selection of payment methods, modalities and localisations, Klarna has become one of the most popular payment methods in Scandinavia.

You redirect your customers to the Klarna portal where they choose their preferred payment method.

Offer this exceptional payment experience to all your customers in Europe and Scandinavia:

Payment method	Description	Availability for customers from these countries
Pay with Klarna	Your customers can choose between a secure Bank Transfer or Direct Debit transaction. They confirm the purchase with a simple code - no need for them to enter a lengthy card or bank account number!	Austria Germany Finland Netherlands Sweden Switzerland
Bank Transfer	One possible popular choice for the Pay Now payment method: Your customers make a transfer to Klarna sometime after the purchase, but you get the funds for it right away.	Austria Belgium Germany Finland Netherlands Sweden Switzerland
Direct Debit	One possible popular choice for the Pay Now payment method: Klarna debits your customer’s bank account sometime after the purchase, but you get the funds for it right away.	Austria Germany Netherlands Sweden
Pay Later	Allow you customers to pay 14 or 21 days after the purchase, granting them a trial period without any interest or additional feels. As soon as you ship the order, you will get the full amount already!	Austria Germany Denmark Finland Netherlands Norway Poland Sweden United Kingdom Belgium Switzerland
Financing Financing (Pay in 3)	Offer your customers a financing scheme: Let them pay over a 6 – 36 month-period using the Klarna app until the full amount is paid – you get the full amount once you ship the order!	Financing Austria Germany Finland Norway Sweden United Kingdom Financing (Pay in 3) United Kingdom Netherlands
Pay Later (Pay in 3) Pay Later (Bank transfer)	Allow you customers to split their purchase in three interest-free instalments. They pay the first instalment right after the purchase and the other two after every 30 days later respectively. As soon as you ship the order, you will get the full amount already!	Pay Later (Pay in 3) France Spain Italy Ireland Portugal Pay Later (Bank transfer) Spain Italy

During the payment process, Klarna suggests all available payment methods according to your customers' location and your contract with Klarna.
Populate field hostedCheckoutSpecificInput.locale to indicate the location and language with any of the values Klarna offers. Mind the following:

Klarna offers different locations/languages than our Hosted Checkout Page .
If you send a language not available on our platform, the Hosted Checkout Page is translated into English. You can avoid the intermediate redirection to our platform: Send your customers to the Klarna portal directly by using property paymentProductFilters.restrictTo.products.

Optimised for Desktop Tablet Mobile

Overview

Payment group:

Instalment

Payment product id:

3301

Key benefits

Low PCI requirements
Guaranteed payment
High variety of payment methods to adapt to your customers preferences

Countries & currencies

Supported countries

Austria
Belgium
Denmark
Finland
France
Germany
Ireland
Italy
Netherlands
Norway
Poland
Portugal
Spain
Sweden
Switzerland
United Kingdom

Show all

Supported currencies

Danish krone (DKK)
Euro (EUR)
Norwegian krone (NOK)
Polish zloty (PLN)
Pound sterling (GBP)
Swedish krona/kronor (SEK)
Swiss franc (CHF)

Integration

Redirect your customers to the Klarna payment portal via our Hosted Checkout Page. Find a high level overview in the "Process flows" chapter.

Add the following properties to a standard CreateHostedCheckout request:

{
   "order":{
      "amountOfMoney":{
         "currencyCode":"EUR",
         "amount":2980
      },
      "shipping":{
         "address":{
            "name":{
               "title":"Miss",
               "firstName":"Road",
               "surname":"Runner"
            },
            "street":"Neptunusstraat",
            "houseNumber":"13b",
            "zip":"2132JA",
            "city":"Hoofddorp",
            "countryCode":"NL"
         }
      },
      "customer":{
         "personalInformation":{
            "name":{
               "title":"Mr.",
               "firstName":"Wile",
               "surnamePrefix":"E.",
               "surname":"Coyote"
            },
            "dateOfBirth":"19490917"
         },
         "locale":"en-NL",
         "billingAddress":{
            "street":"Neptunusstraat",
            "houseNumber":"13b",
            "zip":"2132JA",
            "city":"Hoofddorp",
            "countryCode":"NL"
         },
         "contactDetails":{
            "emailAddress":"Johnia.Doe@outlook.com",
            "phoneNumber":"0636469107"
         }
      },
      "shoppingCart":{
         "items":[
            {
               "amountOfMoney":{
                  "currencyCode":"EUR",
                  "amount":2500
               },
               "invoiceData":{
                  "description":"ACME Super Outfit"
               },
               "orderLineDetails":{
                  "productName":"ACME12",
                  "discountAmount":0,
                  "productCode":"ASO45",
                  "productPrice":500,
                  "productType":"CLOTH",
                  "quantity":5,
                  "taxAmount":0,
                  "unit":"piece"
               }
            },
            {
               "amountOfMoney":{
                  "currencyCode":"EUR",
                  "amount":480
               },
               "invoiceData":{
                  "description":"Asperin"
               },
               "orderLineDetails":{
                  "productName":"ASPIRIN",
                  "discountAmount":0,
                  "productCode":"ASP01",
                  "productPrice":480,
                  "productType":"MEDIC",
                  "quantity":1,
                  "taxAmount":0,
                  "unit":"piece"
               }
            }
         ]
      }
   },
   "hostedCheckoutSpecificInput":{
      "returnUrl":"https://yourShopUrl.com"
   },
   "redirectPaymentMethodSpecificInput":{
      "paymentProductId":3301
   }
}

Properties	Remarks
order.customer.contactDetails emailAddress phoneNumber	Your customer's e-mail address/phone number.
order.shipping.address.name name title firstName surname street houseNumber zip city countryCode	Your customer's shipping address.
order.customer personalInformation name title firstName surname dateOfBirth	Your customer's personal information.
hostedCheckoutSpecificInput.locale	The language version of our Hosted Checkout Page and the Klarna portal. Mind that Klarna supports different languages than our Hosted Checkout Page.
billingAddress street houseNumber zip city countryCode	Your customer's billing address.
shoppingCart.items amountOfMoney currencyCode amount invoiceData.description orderLineDetails productName discountAmount productCode productPrice productType quantity taxAmount unit	The content of the shopping cart as an array of items objects. amountOfMoney.amount: The full amount of the items, calculated as orderLineDetails.productPrice X orderLineDetails.quantity . Make sure to calculate the value for order.amountOfMoney.amount by adding up all instances of shoppingCart.items.amountOfMoney.amount .
.hostedCheckoutSpecificInput.returnUrl	returnUrl : The URL we redirect your customers to after the payment has been finalised.
redirectPaymentMethodSpecificInput.paymentProductId	The numeric identifier of the payment method on our platform. It instructs our platform to send your customers directly to the Klarna portal. If left out, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method in your account.

Find detailed information about this object and its properties in our CreateHostedCheckoutAPI.

List of available Klarna payment methods

Payment method	paymentProductId
Pay Now (customers select either Bank Transfer or Direct Debit on their own)	3301
Pay Now (Bank Transfer) Pay Later (Bank transfer)	3304
Pay Now (Direct Debit)	3305
Pay Later Pay Later (Pay in 3)	3302
Financing Financing (Pay in 3)	3303

Process flows

Your customers finalise an order in your shop and select Klarna.
You send this CreateHostedCheckout to our platform.
You redirect your customers via the redirectUrl to the Klarna portal. They select their preferred payment method and confirm the order with their credentials.
Our platform redirects your customers to the Klarna portal to confirm the order with their credentials.
We receive the transaction result.
We redirect your customer to your returnUrl.
You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
If the transaction was successful, you can deliver the goods / services.

The image above shows an example of Process Flow

Testing

Refer to our Test cases for test data and detailed instructions.

Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests.

Additional information

When processing Klarna transactions, keep the following in mind:

Klarna does not support direct sale transactions (authorisations and data capture in one go). For each order, Klarna estimates a delivery date and issues a due invoice at the agreed date. Capture the transaction after you have sent the goods to your customers.
Klarna allows you to perform partial and full refunds and to cancel authorisation.