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Klarna Drop-in integration

Learn how to accept Klarna payments.

Our Web Drop-in renders Klarna in your payment form, and redirects the shopper to Klarna to complete the payment. When making a Klarna payment, you additionally need to:

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

Before you begin

This page explains how to add Klarna to your existing Web Drop-in integration. The Web Drop-in integration works the same way for all payment methods. If you haven't done this integration yet, refer to our Drop-in integration guide.

Before starting your Klarna integration:

  1. Make sure that you have set up your back end implementation, and added Drop-in to your payments form.
  2. Add Klarna in your test Customer Area.

Show Klarna in your payment form

Drop-in uses the countryCode and the amount.currency from your /paymentMethods request to show the available payment methods to your shopper.

To have Drop-in render Klarna in your payment form, 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 countryCode amount.currency Pay now Pay later Slice it
Austria AT EUR -white_check_mark- -white_check_mark- -white_check_mark-
Belgium BE EUR -x- -white_check_mark- -x-
Denmark DK DKK -x- -white_check_mark- -white_check_mark-
Finland FI EUR -x- -white_check_mark- -white_check_mark-
Germany DE EUR -white_check_mark- -white_check_mark- -white_check_mark-
Norway NO NOK -x- -white_check_mark- -white_check_mark-
Sweden SE SEK -white_check_mark- -white_check_mark- -white_check_mark-
Switzerland CH CHF -white_check_mark- -white_check_mark- -x-
The Netherlands NL EUR -white_check_mark- -white_check_mark- -x-
United Kingdom GB GBP -x- -white_check_mark- -white_check_mark-
United States US USD -x- -white_check_mark- -white_check_mark-

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 and delivery address.
  • The billing address must be in the same country as the delivery 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:

Country countryCode
billingAddress.country
deliveryAddress.country
amount.currency shopperLocale
default
shopperLocale
alternative
Austria AT EUR en_US de_AT
Belgium BE EUR en_US nl_BE, fr_BE
Denmark DK DKK en_US da_DK
Finland FI EUR en_US fi_FI, sv_FI
Germany DE EUR en_US de_DE
Norway NO NOK en_US nb_NO
Sweden SE SEK en_US sv_SE
Switzerland CH CHF en_US de_CH, fr_CH, it_CH
The Netherlands NL EUR en_US nl_NL
United Kingdom GB GBP en_US en_GB
United States US USD en_US -

Make a payment request

When the shopper selects the Pay button, Drop-in calls the onSubmit event, which contains a state.data.

  1. Pass the state.data to your server.

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

    • paymentMethod: The state.data.paymentMethod from the onSubmit event from your front end.
    • shopperLocale: A combination of language code and country code to define which language should be used in the Klarna checkout page. Default is en_US.
    • countryCode: The shopper's country.
    • telephoneNumberOptional: The shopper's telephone number, if provided.
    • shopperEmail: The shopper's email address. This is where Klarna will send the payment instructions.
    • shopperReference: A unique reference to identify the shopper. 
    • returnUrl: The URL that the shopper is redirected to after they complete the payment.
    • lineItems: Price and product information about the purchased items. Klarna will only approve the payment if the total amount specified in lineItems matches the amount.value. You can optionally specify productUrl and imageUrl to include a link to and a picture of the purchased items in the invoice.  
    • shopperName: The shopper's full name and gender, if specified.
    • billingAddress Optional: The postal address of the shopper.
    • deliveryAddress Optional: The postal address where the purchased goods should be delivered. If not provided, the billing address will be used.
    • additionalData.openinvoicedata.merchantData  Optional: For some products or business models, Klarna might 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.
    curl https://checkout-test.adyen.com/v64/payments \
    -H "x-API-key: YOUR_X-API-KEY" \
    -H "content-type: application/json" \
    -d '{
       "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
       "reference":"YOUR_ORDER_REFERENCE",
       "{hint:state.data.paymentMethod from onSubmit}paymentMethod{/hint}":{
          "type":"klarna"
       },
       "amount":{
          "currency":"SEK",
          "value": 1000
       },
       "shopperLocale":"en_US",
       "countryCode":"SE",
       "telephoneNumber": "+46 840 839 298",
       "shopperEmail":"youremail@email.com",
       "shopperName":{
          "firstName":"Testperson-se",
          "gender":"UNKNOWN",
          "lastName":"Approved"
       },
       "shopperReference":"YOUR_UNIQUE_SHOPPER_ID",
       "billingAddress":{
          "city":"Ankeborg",
          "country":"SE",
          "houseNumberOrName":"1",
          "postalCode":"12345",
          "street":"Stargatan"
       },
       "deliveryAddress":{
          "city":"Ankeborg",
          "country":"SE",
          "houseNumberOrName":"1",
          "postalCode":"12345",
          "street":"Stargatan"
       },
       "returnUrl":"https://your-company.com/checkout?shopperOrder=12xy..",
       "lineItems":[
          {
             "quantity":"1",
             "amountExcludingTax":"331",
             "taxPercentage":"2100",
             "description":"Shoes",
             "id":"Item #1",
             "taxAmount":"69",
             "amountIncludingTax":"400",
             "productUrl": "URL_TO_PURCHASED_ITEM",
             "imageUrl": "URL_TO_PICTURE_OF_PURCHASED_ITEM"
          },
          {
             "quantity":"2",
             "amountExcludingTax":"248",
             "taxPercentage":"2100",
             "description":"Socks",
             "id":"Item #2",
             "taxAmount":"52",
             "amountIncludingTax":"300",
             "productUrl": "URL_TO_PURCHASED_ITEM",
             "imageUrl": "URL_TO_PICTURE_OF_PURCHASED_ITEM"
          }
       ],
       "additionalData" : {
         "openinvoicedata.merchantData" : "eyJjdXN0b21lcl9hY ... "
       }
    }
    # Set your X-API-KEY with the API key from the Customer Area.
    adyen = Adyen::Client.new
    adyen.env = :test
    adyen.api_key = "YOUR_X-API-KEY"
    
    response = adyen.checkout.payments({
      :merchantAccount => "YOUR_MERCHANT_ACCOUNT",
      :reference => "YOUR_ORDER_NUMBER",
      :paymentMethod => {
        :type => "klarna"
      },
      :amount => {
        :currency => "SEK",
        :value => 1000
      },
      :shopperLocale => "en_US",
      :countryCode => "SE",
      :shopperEmail => "youremail@email.com",
      :shopperName => {
        :firstName => "Testperson-se",
        :gender => "UNKNOWN",
        :lastName => "Approved"
      },
      :telephoneNumber => "+46 840 839 298",
      :shopperReference => "YOUR_UNIQUE_SHOPPER_ID",
      :billingAddress => {
        :city => "Ankeborg",
        :country => "SE",
        :houseNumberOrName => "1",
        :postalCode => "12345",
        :street => "Stargatan"
      },
      :deliveryAddress => {
        :city => "Ankeborg",
        :country => "SE",
        :houseNumberOrName => "1",
        :postalCode => "12345",
        :street => "Stargatan"
      },
      :returnUrl => "https://your-company.com/checkout?shopperOrder=12xy..",
      :lineItems => [
        {
          :quantity => "1",
          :amountExcludingTax => "331",
          :taxPercentage => "2100",
          :description => "Shoes",
          :id => "Item #1",
          :taxAmount => "69",
          :amountIncludingTax => "400",
          :productUrl => "URL_TO_PURCHASED_ITEM",
          :imageUrl => "URL_TO_PICTURE_OF_PURCHASED_ITEM"
        },
        {
          :quantity => "2",
          :amountExcludingTax => "248",
          :taxPercentage => "2100",
          :description => "Socks",
          :id => "Item #2",
          :taxAmount => "52",
          :amountIncludingTax => "300",
          :productUrl => "URL_TO_PURCHASED_ITEM",
          :imageUrl => "URL_TO_PICTURE_OF_PURCHASED_ITEM"
        }
      ],
      :additionalData => {
        :openinvoicedata.merchantData => "eyJjdXN0b21lcl9hY ... "
      }
    })
    // Create a Client to establish a connection to our services with your API Key from the Customer Area.
    Client client = new Client("YOUR_API_KEY", Environment.TEST);
    
    Checkout checkout = new Checkout(client);
    
    PaymentsRequest paymentsRequest = new PaymentsRequest();
    
    paymentsRequest.setMerchantAccount("YOUR_MERCHANT_ACCOUNT");
    paymentsRequest.setReference("YOUR_ORDER_REFERENCE");
    
    PaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
    paymentMethodDetails.setType("klarna");
    
    paymentsRequest.setPaymentMethod(paymentMethodDetails);
    
    Amount amount = new Amount();
    amount.setCurrency("SEK");
    amount.setValue(1000L);
    
    paymentsRequest.setAmount(amount);
    paymentsRequest.setShopperLocale("en_US");
    paymentsRequest.setCountryCode("SE");
    paymentsRequest.setTelephoneNumber("+46 840 839 298");
    paymentsRequest.setShopperEmail("youremail@email.com");
    
    Name shopperDetails = new Name();
    shopperDetails.setFirstName("TestPerson-Se");
    shopperDetails.setGender(Name.GenderEnum.UNKNOWN);
    shopperDetails.setLastName("Approved");
    
    paymentsRequest.setShopperName(shopperDetails);
    paymentsRequest.setShopperReference("YOUR_UNIQUE_SHOPPER_ID");
    
    Address billingAddress = new Address();
    billingAddress.setCity("Ankeborg");
    billingAddress.setCountry("SE");
    billingAddress.setHouseNumberOrName("1");
    billingAddress.setPostalCode("12345");
    billingAddress.setStreet("Stargatan");
    
    paymentsRequest.setBillingAddress(billingAddress);
    
    Address deliveryAddress = new Address();
    deliveryAddress.setCity("Ankeborg");
    deliveryAddress.setCountry("SE");
    deliveryAddress.setHouseNumberOrName("1");
    deliveryAddress.setPostalCode("12345");
    deliveryAddress.setStreet("Stargatan");
    
    paymentsRequest.setdeliveryAddress(deliveryAddress);
    paymentsRequest.setReturnUrl("https://your-company.com/checkout?shopperOrder=12xy..");
    
    List<LineItem> lineItems = new ArrayList<>();
    lineItems.add(
            new LineItem()
                    .quantity(1L)
                    .amountExcludingTax(331L)
                    .taxPercentage(2100L)
                    .description("Shoes")
                    .id("Item #1")
                    .taxAmount(69L)
                    .amountIncludingTax(400L)
                    .productUrl("URL_TO_PURCHASED_ITEM")
                    .imageUrl("URL_TO_PICTURE_OF_PURCHASED_ITEM")
    );
    lineItems.add(
            new LineItem()
                    .quantity(2L)
                    .amountExcludingTax(248L)
                    .taxPercentage(2100L)
                    .description("Socks")
                    .id("Item #2")
                    .taxAmount(52L)
                    .amountIncludingTax(300L)
                    .productUrl("URL_TO_PURCHASED_ITEM")
                    .imageUrl("URL_TO_PICTURE_OF_PURCHASED_ITEM")
    );
    
    paymentsRequest.setLineItems(lineItems);
    
    Map<String, String> additionalData = new HashMap<>();
    additionalData.put("openinvoicedata.merchantData", "eyJjdXN0b21lcl9hY ...");
    
    paymentsRequest.setAdditionalData(additionalData);
    
    PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);
    // Set your X-API-KEY with the API key from the Customer Area.
    $client = new \Adyen\Client();
    $client->setXApiKey("YOUR_X-API-KEY");
    $service = new \Adyen\Service\Checkout($client);
    
    $params = [
      "merchantAccount" => "YOUR_MERCHANT_ACCOUNT",
      "reference" => "YOUR_ORDER_REFERENCE",
      "paymentMethod" => [
         "type" => "klarna"
      ],
      "amount" => [
         "currency" => "SEK",
         "value" => "1000"
      ],
      "shopperLocale" => "en_US",
      "countryCode" => "SE",
      "telephoneNumber" => "+46 840 839 298",
      "shopperEmail" => "youremail@email.com",
      "shopperName" => [
         "firstName" => "Testperson-se",
         "gender" => "UNKNOWN",
         "lastName" => "Approved"
      ],
      "shopperReference" => "YOUR_UNIQUE_SHOPPER_ID",
      "billingAddress" => [
         "city" => "Ankeborg",
         "country" => "SE",
         "houseNumberOrName" => "1",
         "postalCode" => "12345",
         "street" => "Stargatan"
      ],
      "deliveryAddress" => [
         "city" => "Ankeborg",
         "country" => "SE",
         "houseNumberOrName" => "1",
         "postalCode" => "12345",
         "street" => "Stargatan"
      ],
      "returnUrl" => "https://your-company.com/checkout?shopperOrder=12xy..",
      "lineItems" => [
         [
            "quantity" => "1",
            "amountExcludingTax" => "331",
            "taxPercentage" => "2100",
            "description" => "Shoes",
            "id" => "Item #1",
            "taxAmount" => "69",
            "amountIncludingTax" => "400",
            "productUrl" => "URL_TO_PURCHASED_ITEM",
            "imageUrl" => "URL_TO_PICTURE_OF_PURCHASED_ITEM"
         ],
         [
            "quantity" => "2",
            "amountExcludingTax" => "248",
            "taxPercentage" => "2100",
            "description" => "Socks",
            "id" => "Item #2",
            "taxAmount" => "52",
            "amountIncludingTax" => "300",
            "productUrl" => "URL_TO_PURCHASED_ITEM",
            "imageUrl" => "URL_TO_PICTURE_OF_PURCHASED_ITEM"
         ]
      ],
      "additionalData" => [
        "openinvoicedata.merchantData" => "eyJjdXN0b21lcl9hY ... "
      ]
    ];
    
    $result = $service->payments($params);
    
    // Check if further action is needed
    if (array_key_exists("action", $result){
       // Pass the action object to your frontend.
       // $result["action"]
    }
    else {
       // No further action needed, pass the resultCode to your front end
       // $result['resultCode']
    }
    # Set your X-API-KEY with the API key from the Customer Area.
    adyen = Adyen.Adyen()
    adyen.client.xapikey = 'YOUR_X-API-KEY'
    
    result = adyen.checkout.payments({
      "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
      "reference": "YOUR_ORDER_REFERENCE",
      "paymentMethod": {
        "type": "klarna"
      },
      "amount": {
        "currency": "SEK",
        "value": 1000
      },
      "shopperLocale": "en_US",
      "countryCode": "SE",
      "telephoneNumber": "+46 840 839 298",
      "shopperEmail": "youremail@email.com",
      "shopperName": {
        "firstName": "Testperson-se",
        "gender": "UNKNOWN",
        "lastName": "Approved"
      },
      "shopperReference": "YOUR_UNIQUE_SHOPPER_ID",
      "billingAddress": {
        "city": "Ankeborg",
        "country": "SE",
        "houseNumberOrName": "1",
        "postalCode": "12345",
        "street": "Stargatan"
      },
      "deliveryAddress": {
        "city": "Ankeborg",
        "country": "SE",
        "houseNumberOrName": "1",
        "postalCode": "12345",
        "street": "Stargatan"
      },
      "returnUrl": "https://your-company.com/checkout?shopperOrder=12xy..",
      "lineItems": [
        {
          "quantity": "1",
          "amountExcludingTax": "331",
          "taxPercentage": "2100",
          "description": "Shoes",
          "id": "Item #1",
          "taxAmount": "69",
          "amountIncludingTax": "400",
          "productUrl": "URL_TO_PURCHASED_ITEM",
          "imageUrl": "URL_TO_PICTURE_OF_PURCHASED_ITEM"
        },
        {
          "quantity": "2",
          "amountExcludingTax": "248",
          "taxPercentage": "2100",
          "description": "Socks",
          "id": "Item #2",
          "taxAmount": "52",
          "amountIncludingTax": "300",
          "productUrl": "URL_TO_PURCHASED_ITEM",
          "imageUrl": "URL_TO_PICTURE_OF_PURCHASED_ITEM"
        }
      ],
      "additionalData": {
        "openinvoicedata.merchantData": "eyJjdXN0b21lcl9hY ... "
      }
    })
    // Set your X-API-KEY with the API key from the Customer Area.
    var client = new Client ("YOUR_X-API-KEY", Environment.Test);
    var checkout = new Checkout(client);
    
    var paymentRequest = new Adyen.Model.Checkout.PaymentRequest
    {
       MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
       Reference = "YOUR_ORDER_REFERENCE",
       PaymentMethod = new DefaultPaymentMethodDetails { Type = "klarna" },
       Amount = new Model.Checkout.Amount(Currency: "SEK", Value: 1000),
       ShopperLocale = "en_US",
       CountryCode = "SE",
       TelephoneNumber = "+46 840 839 298",
       ShopperEmail = "youremail@email.com",
       ShopperName = new Model.Checkout.Name
       {
           FirstName = "Testperson-se",
           Gender = Model.Checkout.Name.GenderEnum.UNKNOWN,
           LastName = "Approved"
       },
       ShopperReference = "YOUR_UNIQUE_SHOPPER_ID",
       BillingAddress = new Model.Checkout.Address
       {
           City = "Ankeborg",
           Country = "SE",
           HouseNumberOrName = "1",
           PostalCode = "12345",
           Street = "Stargatan"
       },
       DeliveryAddress = new Model.Checkout.Address
       {
           City = "Ankeborg",
           Country = "SE",
           HouseNumberOrName = "1",
           PostalCode = "12345",
           Street = "Stargatan"
       },
       ReturnUrl = "https://your-company.com/checkout?shopperOrder=12xy..",
       LineItems = new List<LineItem>
    {
       new LineItem(Quantity:1, AmountExcludingTax:331, TaxPercentage:2100,
       Description:"Shoes", Id:"Item #1", TaxAmount:69, AmountIncludingTax:400, ProductUrl:"URL_TO_PURCHASED_ITEM", ImageUrl:"URL_TO_PICTURE_OF_PURCHASED_ITEM"),
       new LineItem(Quantity:2, AmountExcludingTax:248, TaxPercentage:2100,
       Description:"Socks", Id:"Item #2", TaxAmount:52, AmountIncludingTax:300, ProductUrl:"URL_TO_PURCHASED_ITEM", ImageUrl:"URL_TO_PICTURE_OF_PURCHASED_ITEM"),
    },
       AdditionalData = new Dictionary<string, string> { { "openinvoicedata.merchantData", "eyJjdXN0b21lcl9hY ... " } }
    };
    return paymentRequest;
    }
    // Set your X-API-KEY with the API key from the Customer Area.
    const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
    const config = new Config();
    // Set your X-API-KEY with the API key from the Customer Area.
    config.apiKey = '[API_KEY]';
    config.merchantAccount = '[MERCHANT_ACCOUNT]';
    const client = new Client({ config });
    client.setEnvironment("TEST");
    const checkout = new CheckoutAPI(client);
    checkout.payments({
      merchantAccount: "YOUR_MERCHANT_ACCOUNT",
      reference: "YOUR_ORDER_REFERENCE",
      paymentMethod: {
         type: "klarna"
      },
      amount: {
         currency: "SEK",
         value: "1000"
      },
      shopperLocale: "en_US",
      countryCode: "SE",
      telephoneNumber: "+46 840 839 298",
      shopperEmail: "youremail@email.com",
      shopperName: {
         firstName: "Testperson-se",
         gender: "UNKNOWN",
         lastName: "Approved"
      },
      shopperReference: "YOUR_UNIQUE_SHOPPER_ID",
      billingAddress: {
         city: "Ankeborg",
         country: "SE",
         houseNumberOrName: "1",
         postalCode: "12345",
         street: "Stargatan"
      },
      deliveryAddress: {
         city: "Ankeborg",
         country: "SE",
         houseNumberOrName: "1",
         postalCode: "12345",
         street: "Stargatan"
      },
      returnUrl: "https://your-company.com/checkout?shopperOrder=12xy..",
      lineItems: [
         {
            quantity: "1",
            amountExcludingTax: "331",
            taxPercentage: "2100",
            description: "Shoes",
            id: "Item 1",
            taxAmount: "69",
            amountIncludingTax: "400",
            productUrl: "URL_TO_PURCHASED_ITEM",
            imageUrl: "URL_TO_PICTURE_OF_PURCHASED_ITEM"
         },
         {
            quantity: "2",
            amountExcludingTax: "248",
            taxPercentage: "2100",
            description: "Socks",
            id: "Item 2",
            taxAmount: "52",
            amountIncludingTax: "300",
            productUrl: "URL_TO_PURCHASED_ITEM",
            imageUrl: "URL_TO_PICTURE_OF_PURCHASED_ITEM"
         }
      ],
      additionalData: {
        "openinvoicedata.merchantData": "eyJjdXN0b21lcl9hY ... "
      }
    }).then(res => res);

    The /payments response contains:

    • action.method: GET or POST. The HTTP request method that you should use. After the shopper completes the payment, they will be redirected back to your returnURL using the same method.
      The redirect method depends on your payment method configuration and the length of the data included in the request, so make sure that your integration can handle both HTTP GET and HTTP POST methods.

    To verify the payment result, you also need the following from the /payments response:

    • action.paymentData: Store this on your server — this is the paymentData value that you send in your /payments/details request.
    • details: Array of parameters that you need to send in your /payments/details request. For example, payload or redirectResult.
      The parameters can vary based on the payment method configuration. Always check the details array for the parameters that you need to send in your next API request.
    /payments response
    {
      "resultCode": "RedirectShopper",
       "action": {
         "method": "GET",
         "paymentData": "Ab02b4c0!BQABAgCSZT7t...",
         "paymentMethodType": "klarna",
         "type": "redirect",
         "url": "https://test.adyen.com/hpp/redirect.shtml?brandCode=.."
    },
      "details": [
        {
            "key": "redirectResult",
            "type": "text"
        }
      ],
    ...
    }
  3. Pass the action object to your front end.

Handle the redirect result

Drop-in uses dropin.handleAction(action) to redirect the shopper to Klarna. After the shopper is redirected back to your website, check the redirect result.

  • From your server, make a POST /payments/details request, specifying:
    • paymentData: Value you received in the /payments response.
    • details: Object that contains the URL-decoded values of the parameters that were returned when the shopper was redirected back to your site. To check the parameters that you should submit, refer to the details array that you received in the /payments response.
    /payments/details request
    {
         "paymentData":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...",
         "details":{
           "{hint:Verify the parameters from /payments response}redirectResult{/hint}":"Ab02b4c0!BQABAgCW5sxB4e/=="
         }
    }
    You receive a response containing:
    • resultCode: Use this to present the result to your shopper.
    • pspReference: Our unique identifier for the transaction.
    /payments/details response
     {
       "resultCode": "Authorised",
       "pspReference": "88154795347618C"
     }
For more information and detailed instructions, refer to Handling the redirect result.

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:

resultCode Description Action to take
Authorised The payment was successful. Inform the shopper that the payment was successful. After the goods have been sent, you also need to capture the payment.
Cancelled The shopper cancelled the payment. Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.
Refused The payment was refused by Klarna, as it didn't pass their risk checks. Ask the shopper to try the payment again using a different payment method.
Pending or
Received
Only when processing in the Unites States: Klarna has not confirmed the final status of the payment yet, for example because of suspected fraud. If the payment is not authorised within 24 hours, it is automatically cancelled. See note 1 Inform the shopper that you've received their order, and are waiting for the payment to be completed.
To know the final result of the payment, wait for the AUTHORISATION notification.

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


1 If you'd like pending Klarna payments to be cancelled immediately, contact our Support Team. If you have set pending Klarna payments to be cancelled immediately, you will receive for such payments a notification with:

  • eventCode: AUTHORISATION
  • success: false

Capture the payment

All Klarna payments have to be manually captured within 28 days after authorisation, even if you have enabled automatic capture on your merchant account.

If you can guarantee that the goods are shipped within 24 hours of capturing the payment, our Support Team can also set up automatic capture for Klarna payments.

Partial captures

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

  • modificationAmount: The amount that the shopper should pay. 
  • additionalData.openinvoicedata: Price and product 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. For more information, refer to Invoice lines.
Our Support Team can also set up multiple partial captures for Klarna payments. Multiple partial captures will create a new invoice for each capture. 
{
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
   "modificationAmount":{
      "currency":"SEK",
      "value":"400"
   },
   "originalReference":"8825408195409505",
   "additionalData":{
      "openinvoicedata.numberOfLines":"1",
      "openinvoicedata.line1.currencyCode":"SEK",
      "openinvoicedata.line1.description":"Shoes",
      "openinvoicedata.line1.itemAmount":"331",
      "openinvoicedata.line1.itemId":"Item #1",
      "openinvoicedata.line1.itemVatAmount":"69",
      "openinvoicedata.line1.itemVatPercentage":"2100",
      "openinvoicedata.line1.numberOfItems":"1",
      "openinvoicedata.line1.productUrl":"URL_TO_PURCHASED_ITEM",
      "openinvoicedata.line1.imageUrl":"URL_TO_PICTURE_OF_PURCHASED_ITEM"
   }
}

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 notification. For more information, refer to Capture.

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.
Not all Klarna payment methods or countries support recurring payments. For information about the availability of recurring payments, refer to Klarna documentation.

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 notification 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 sure that your server is able to receive RECURRING_CONTRACT as part of your standard notifications. If you have not requested this additional configuration yet, contact our Support Team.

RECURRING_CONTRACT notification
  {
     "live":"false",
     "notificationItems":[
        {
           "NotificationRequestItem":{
              "additionalData":{
                 "shopperEmail":"youremail@email.com",
                 "shopperReference":"YOUR_UNIQUE_SHOPPER_ID"
              },
              "amount":{
                 "currency":"SEK",
                 "value":1000
              },
              "eventCode":"RECURRING_CONTRACT",
              "eventDate":"2019-11-27T16:41:42+01:00",
              "merchantAccountCode":"YOUR_MERCHANT_ACCOUNT",
              "merchantReference":"TestRef",
              "originalReference":"8515748691833061",
              "paymentMethod":"klarna_paynow",
              "{hint:The token for making recurring payments}pspReference{/hint}":"8315748692943051",
              "reason":"",
              "success":"true"
           }
        }
     ]
  }

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 notification. You can also get this value by using the /listRecurringDetails endpoint.
  • shopperInteractionContAuth.
  • recurringProcessingModel: The type of recurring payment that you want to make. Possible 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 shopperInteractionContAuth.
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.
When making a recurring payment, you also need to provide all the parameters required for a Klarna payment request.

A sample request for Klarna — Pay now, when the shopper is actively making a purchase using previously stored payment details:

/payments request
  {
    "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
    "reference":"YOUR_ORDER_REFERENCE",
    "paymentMethod":{
       "type":"klarna_paynow",
       "{hint:The pspReference from the RECURRING_CONTRACT notification}storedPaymentMethodId{/hint}":"8315748692943051"
    },
    "{hint:The shopperReference that you specified when creating the token}shopperReference{/hint}":"YOUR_UNIQUE_SHOPPER_ID",
    "amount":{
       "currency":"SEK",
       "value":"1000"
    },
    "shopperInteraction":"ContAuth",
    "recurringProcessingModel": "CardOnFile",
    "shopperLocale":"en_US",
    "countryCode":"SE",
    "telephoneNumber": "+46 840 839 298",
    "shopperEmail":"youremail@email.com",
    "shopperName":{
       "firstName":"Testperson-se",
       "gender":"UNKNOWN",
       "lastName":"Approved"
    },
    "billingAddress":{
       "city":"Ankeborg",
       "country":"SE",
       "houseNumberOrName":"1",
       "postalCode":"12345",
       "street":"Stargatan"
    },
    "deliveryAddress":{
      "city":"Ankeborg",
      "country":"SE",
      "houseNumberOrName":"1",
      "postalCode":"12345",
      "street":"Stargatan"
    },
    "returnUrl":"https://your-company.com/checkout?shopperOrder=12xy..",
    "lineItems":[
       {
          "quantity":"1",
          "amountExcludingTax":"331",
          "taxPercentage":"2100",
          "description":"Shoes",
          "id":"Item #1",
          "taxAmount":"69",
          "amountIncludingTax":"400",
          "productUrl": "URL_TO_PURCHASED_ITEM",
          "imageUrl": "URL_TO_PICTURE_OF_PURCHASED_ITEM"
       },
       {
          "quantity":"2",
          "amountExcludingTax":"248",
          "taxPercentage":"2100",
          "description":"Socks",
          "id":"Item #2",
          "taxAmount":"52",
          "amountIncludingTax":"300",
          "productUrl": "URL_TO_PURCHASED_ITEM",
          "imageUrl": "URL_TO_PICTURE_OF_PURCHASED_ITEM"
       }
    ]
  }

Test and go live

Before accepting live payments, test your integration using the test details provided by Klarna. Make sure to use the following country-specific sample data:

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

Before you go live:

Make sure that:

  • You consider Klarna's legal and privacy information.
  • You follow the Klarna guidelines on how to display Klarna in your checkout.
  • The invoice lines and VAT are displayed 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. While optional, providing these parameters improves the shopper experience and increases conversion rates.

Testing in live environment

If you are going to test Klarna payments once you are 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. Don't provide a company address as billing address.
  • Choose an item with a reasonable amount that meets Klarna's minimum requirements. For example, for Slice it, Klarna requires a minimum amount of 35 GBP. Klarna can reject a request if the product is too expensive and they do not have enough transaction history for the shopper.
  • Don't perform multiple tests in a short span of time from the same device or IP address. This will trigger velocity rule checks, which will lead to the transaction being rejected.

If the conditions above are not met, you might 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 also