Klarna

Intro

Klarna is a Swedish Bank that offers a vast variety of payment methods, with maximum security for both your customers and you. It is available for Hosted Checkout Page.

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

Optimized for Desktop Tablet Mobile

Overview

Payment group:

Instalment

Payment product id:

3306

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

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":3306,
          "paymentProduct3306SpecificInput":{
              "extraMerchantData":"{\"subscription\":[{\"subscription_name\":\"Contact_lenses\",\"start_time\":\"2020-11-24T15:00\",\"end_time\":\"2021-11-24T15:00\",\"auto_renewal_of_subscription\":false}],\"customer_account_info\":[{\"unique_account_identifier\":\"Adam_Adamsson\",\"account_registration_date\":\"2020-11-24T15:00\",\"account_last_modified\":\"2020-11-24T15:00\"}]}"
          }
   }
}

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
redirectPaymentMethodSpecificInput. paymentProduct3306SpecificInput. extraMerchantData	Additional transaction information for Klarna's risk assessment, the so-called extra merchant data (EMD). Find detailed information about the specifications (Possible properties and how to send them) on the Klarna developer portal

Find detailed information about this object and its properties in our HostedCheckoutAPI

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 GetPayment or receive the result via webhooks
If the transaction was successful, you can deliver the goods / services

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