Klarna Redirect Component

If you have an existing Android Components integration, you can use our Redirect Component to redirect the shopper to Klarna to complete the payment. When making a Klarna payment, you need to:

1. Include Klarna in the list of available payment methods.
2. Collect shopper details, and specify these in your payment request. Klarna uses this information for risk checks.
3. Provide information about the purchased items by specifying lineItems in your payment request.
4. Handle the redirect.
5. Capture the payment after the goods have been sent. This triggers the payment instructions to be sent to the shopper.

Requirements

Show Klarna in your payment form

When making a Klarna payment, collect the following shopper details:

If you are using the /paymentMethods to show available payment methods to the shopper, specify in your /paymentMethods request one of the following combinations of countryCode and amount.currency, depending on which Klarna payment method you want to accept:

Country/region	countryCode	amount.currency	Pay now	Pay later	Pay over time
Australia	AU	AUD
Austria	AT	EUR
Belgium	BE	EUR
Canada	CA	CAD
Czech Republic	CZ	CZK
Denmark	DK	DKK
Finland	FI	EUR
France	FR	EUR
Germany	DE	EUR
Greece	GR	EUR
Ireland	IE	EUR
Italy	IT	EUR
Norway	NO	NOK
Poland	PL	PLN
Portugal	PT	EUR
Romania	RO	RON
Spain	ES	EUR
Sweden	SE	SEK
Switzerland	CH	CHF	See note 3	See note 3
The Netherlands	NL	EUR
United Kingdom	GB	GBP
United States	US	USD

³If you want to offer Klarna in Switzerland, contact our Support Team.

The /paymentMethods response contains:

• paymentMethod.type: klarna_paynow for Klarna Pay Now.
• paymentMethod.type: klarna for Klarna buy now pay later.
• paymentMethod.type: klarna_account for Klarna Pay Over Time.

Make a payment

Klarna requires shopper details such as name and address to approve a payment. To improve shopper experience and conversion rates, provide these details in the payment request and make sure that the parameters in the request match.

Send the shopper name and billing address in the request.
We recommend that you send the shopper name and billing address to improve the shopper experience. If not provided in the request, Klarna will ask the shopper to provide these parameters in the checkout page.

Make sure that the country, the currency, and the shopper locale in the request are compatible.

• Klarna will only approve the payment if the country it is made from matches the currency and the country specified in the billing address.
• The Klarna checkout page can only be rendered in another language if the specified locale matches the country and currency used in the request. By default, the checkout page is rendered is English (en-US).

The following table shows the possible combinations that you can send in a payment request:

Make a payment request

1. From your server, make a /payments request, specifying:

   • paymentMethod.type: The type of Klarna payment the shopper wants to use.  Possible values:
   • klarna_paynow for Klarna Pay Now.
   • klarna for Klarna buy now pay later.
   • klarna_account for Klarna Pay Over Time.

   Parameter name	Required	Description
   lineItems		Price and product information about the purchased items. Klarna only approves the payment if the total amount specified in lineItems matches the amount.value, and each line item contains a description. You can optionally specify productUrl and imageUrl to include a link to and a picture of the purchased items in the invoice.
   shopperEmail	See note 1	The shopper's email address. This is where Klarna will send the payment instructions. For requirements on this field, see Klarna's documentation.
   shopperReference		A unique reference to identify the shopper (minimum length three characters).
   shopperName		The shopper's full name. Recommended to increase conversion rates. If you do not include it, Klarna will ask the shopper to provide this in the checkout page. For requirements on this field, see Klarna's documentation.
   billingAddress		The postal address of the shopper. Recommended to increase conversion rates. If you do not include it, Klarna will ask the shopper to provide this in the checkout page. For requirements on this field, see Klarna's documentation.
   deliveryAddress		The postal address where the purchased goods should be delivered. If not provided, this is the same as the billing address. For requirements on this field, see Klarna's documentation. If the recipient name is different from the shopper making the payment, specify deliveryAddress.firstName and deliveryAddress.lastName to share the recipient name with Klarna.
   shopperLocale		A combination of language code and country code to define the language of the Klarna checkout page. By default, the checkout page is rendered is English. This has to match the countryCode and currency used in the request. For more information, see Klarna's documentation.
   countryCode		The shopper's country. This has to match the country of the billingAddress.
   telephoneNumber		The shopper's telephone number, if provided. For requirements on this field, see Klarna's documentation.
   additionalData. openinvoicedata.merchantData		For some products or business models, Klarna can require additional information. If you need to send in this information, specify here the Base64 encoded JSON of the attachment.body value described in Klarna's documentation.

¹You need to include shopperEmail to defend against potential disputes from shoppers.

A sample /payments request for Klarna buy now pay later:

In the /payments response, note the action object. This contains the information needed to redirect the shopper.

2. Pass the action object to your client app.

Handle the redirect

1. Use the Redirect Component to redirect the shopper to Klarna.
2. After the shopper returns to your app, make a POST /payments/details request from your server, providing:
   • details: The actionComponentData.details object from the Redirect Component.

You receive a response containing:

• resultCode: Use this to present the payment result to your shopper.
• pspReference: Our unique identifier for the transaction.

Present the payment result

Use the resultCode from the /payments/details response to present the payment result to your shopper. The resultCode values you can receive for Klarna are:

When a payment is refused by Klarna, the shopper sees the following message:

Capture the payment

If the capture delay is set to immediate and you comply with Klarna's Scheme Rules of shipping within 24 hours, then you can configure automatic capture when adding Klarna in your live Customer Area. Otherwise, you must manually capture Klarna payments within 90 days after authorization, even if you enable automatic capture on your merchant account. If the manual capture is not performed within 90 days, the authorization will expire.

Capture manually

To manually capture a Klarna payment, make a POST request to the /payments/{paymentPspReference}/captures endpoint.

1. When you are ready to capture the payment, make a POST /payments/{paymentPspReference}/captures request, where {paymentPspReference} is the PSP reference from the original payment (pre-authorization) response. Specify:

   Parameter	Required	Description
   merchantAccount		The name of your merchant account that is used to process the payment.
   amount.currency		The three-character ISO currency code.
   amount.value		The amount of the transaction, in minor units. This is the sum of the original, pre-authorized amount and all later adjustments.
   lineItems		Price and product information about the purchased items, to be included on the invoice sent to the shopper. For an authorization adjustment, always specify every line item, including all captured or refunded items. See examples of Klarna-specific payment scenarios at Invoice lines and discounts.
   reference		A reference that you specify for this payment modification, for use in your reconciliation process. The pspReference you received in the initial authorization response remains the primary merchant reference, and this reference does not overwrite it.

2. When you receive the /payments/{paymentPspReference}/captures response, note the following:

   • pspReference: The PSP reference associated with this /captures request. This is different from the PSP reference associated with the original payment (pre-authorization) request.
   • status: received
   • reference: Your reference to this payment modification, for use in your reconciliation process.

3. Wait for the webhook event. This informs you whether the final amount has been captured.
   If the capture is successful, this event contains:

   • eventCode: CAPTURE
   • originalReference: The pspReference of the pre-authorization.
   • pspReference: The PSP reference associated with this /payments/{paymentPspReference}/captures request.
   • success: true

   If the capture fails, this event contains success: false. Review the reason you received in the webhook event, fix the issue, and submit the capture request again.

See examples of other Klarna-specific payment scenarios at Invoice lines and discounts.

Shipping and tracking information (optional)

You can optionally use additionalData.openinvoicedata to include shipping and tracking information. This adds information about how the products are shipped to the deliveryAddress that you specified in the /payments request. The shipping and tracking information maps to Klarna's shipping info object.

If you have the shipping and tracking information at the time of the capture, we recommend that you send it to improve the overall shopper experience. Klarna includes this information in their app, where the info is updated based on the tracking details.

• If all items are shipped with the same provider, specify the shipping and tracking information once, as shown in the capture example below.
• If one or more items in the order are shipped with different a different provider or tracking details, specify the shipping and tracking information as an array.
• You cannot specify different delivery addresses for a single order with multiple items.

You will receive a /capture response containing a pspReference associated with this request. Once we have processed your request, you will also receive a CAPTURE webhook. For more information, refer to Capture.

Partial captures

To partially capture a Klarna payment, specify in your call to the /capture endpoint:

• modificationAmount: The amount that the shopper should pay. This should be less than the authorised amount.
• additionalData.openinvoicedata: Price, product and optionally shipping and tracking information for the items that the shopper should pay for, to be included on the invoice. For the partial capture to be successful, the amounts stated in openinvoicedata need to be correct. You can use the same fields as listed in the manual captures section.

For more information and an example, refer to Invoice lines.

Recurring payments

To make recurring Klarna payments you need to:

1. Create a shopper token.
2. Use the token to make future payments for the shopper.

Create a token

To create a token, include in your /payments request:

• storePaymentMethod: true
• shopperReference: Your unique identifier for the shopper.

When the payment has been settled, you receive a webhook containing:

• eventCode: RECURRING_CONTRACT
• originalReference: The pspReference of the initial payment.
• pspReference: This is the token that you need to make recurring payments for this shopper.

Make a payment with a token

To make a payment with the token, include in your /payments request:

• shopperReference: The unique shopper identifier that you specified when creating the token.
• paymentMethod.storedPaymentMethodId: The pspReference from the RECURRING_CONTRACT webhook.
  You can also get this value by using the /listRecurringDetails endpoint.
• shopperInteraction: ContAuth

• recurringProcessingModel: The type of recurring payment that you want to make.
  Possible recurringProcessingModel values:

  recurringProcessingModel	Description
  CardOnFile	Online purchase where shopper is actively making a purchase using their previously stored payment details.
  Subscription	A series of transactions with fixed or variable amounts, following a fixed time interval. This is the default value for payment requests where shopperInteraction: ContAuth
  UnscheduledCardOnFile	Contracts that occur on a non-fixed schedule using stored payment details. For example, automatic top-ups when cardholder's balance drops below certain amount.

The following is a sample request for Klarna Pay Now, when the shopper is actively making a purchase using previously stored payment details:

Test and go live

Before accepting live payments, test your integration using the test environment and sample data provided by Klarna.

You can then check the status of Klarna test payments in your Customer Area > Transactions > Payments.

Before you go live

Make sure that:

• You have added Klarna in your live Customer Area.
• You have considered Klarna's legal and privacy information.
• You follow the Klarna guidelines on how to present Klarna in your checkout.
• The invoice lines and VAT are shown correctly on Klarna's pages.
• If a shopper gets rejected by Klarna, you offer them another payment method.
• You pass the shopper's name and address in your payment request. This is optional, but providing these parameters improves the shopper experience and increases conversion rates.

Testing in live environment

When testing Klarna payments in the live environment, make sure that you:

• Provide real shopper data. For example, your real name, personal email, personal mobile, and home and billing address. Do not provide a company address as billing address.
• Choose an item with a reasonable amount that meets Klarna's minimum requirements. For example, for Pay over time, Klarna requires a minimum amount of GBP 35. Klarna can reject a request if the product is too expensive and they do not have enough transaction history for the shopper.
• Do not do multiple tests in a short period from the same device or IP address. Otherwise, velocity rule checks are triggered, which will lead to the transaction being rejected.

If the conditions above are not met, you can receive a resultCode of Refused. The shopper sees a page with an "Option Not Available" message instead of the Klarna Payments widget. Note that these checks are bypassed in test and are only applied in the live environment.

See Klarna raw acquirer responses for the most common responses for successful, refused, failed, or cancelled transactions.

See also