Klarna for API only

Accept Klarna payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

With our API-only integration, you can accept Klarna payments using either:

• The Klarna widget: the shopper completes the payment in your checkout.
  For more information about the Klarna widget, see the Klarna documentation.
• Redirect to Klarna: the shopper is redirected to Klarna to complete the payment.

When making a Klarna payment:

1. Provide information about the purchased items by specifying lineItems in your payment request.
2. Indicate in your payment request if you want to use the Klarna widget or redirect to Klarna.
3. Capture the payment after the goods have been sent. This triggers the payment instructions to be sent to the shopper.

Requirements

• Set up webhooks to know the payment outcome.

Build your payment form for Klarna

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

If you are using the /paymentMethods endpoint to show the available payment methods to the shopper, specify in your 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

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.

• How you want the shopper to complete the payment:

  • On your own checkout using the Klarna widget: add paymentMethod.subtype with a value of sdk. For example:

    {
    ...
    "paymentMethod": {
      "type":"klarna",
      "subtype":"sdk"
    },
    ...
    }

  • Using a redirect to Klarna: do not add the paymentMethod.subtype parameter.

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 — Pay later using a redirect: