If you are using Android Components v5.0.0 or later:
This payment method requires no additional configuration.
Follow the Android Components integration guide and use the following module and Component names:
- To import the module: instant
- To launch and show the Component: InstantPaymentComponent
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:
- Include Klarna in the list of available payment methods.
- Collect shopper details, and specify these in your payment request. Klarna uses this information for risk checks.
- Provide information about the purchased items by specifying
lineItems
in your payment request. - Handle the redirect.
- 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 assumes you have already:
-
Set up webhooks to know the payment outcome.
Show Klarna in your payment form
When making a Klarna payment, collect the following shopper details:
Shopper detail | Description | Required |
---|---|---|
Shopper name | The shopper's full name and gender, if specified. | |
Shopper email | The shopper's email address. This is where Klarna will send the invoice. | |
The billing address | The postal address to be included on the invoice. |
For improved conversion rates, we strongly recommend that you collect the shopper name and the billing address.
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.
We provide logos for Klarna which you can use on your payment form. For more information, refer to Downloading logos.
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:
Country | countryCode billingAddress.country |
amount.currency |
shopperLocale default |
shopperLocale alternative |
---|---|---|---|---|
Australia | AU | AUD | en_US |
en_GB |
Austria | AT | EUR | en_US |
de_AT |
Belgium | BE | EUR | en_US |
nl_BE , fr_BE |
Canada | CA | CAD | en_US |
fr_FR |
Czechia | CZ | CZK | en_US |
cs_CZ |
Denmark | DK | DKK | en_US |
da_DK |
Finland | FI | EUR | en_US |
fi_FI , sv_FI |
France | FR | EUR | en_US |
fr_FR , en_FR |
Germany | DE | EUR | en_US |
de_DE |
Greece | GR | EUR | en_US |
el_GR |
Ireland | IE | EUR | en_US |
en_GB |
Italy | IT | EUR | en_US |
it_IT |
Norway | NO | NOK | en_US |
nb_NO |
Poland | PL | PLN | en_US |
pl_PL |
Portugal | PT | EUR | en_US |
pt_PT |
Romania | RO | RON | en_US |
ro_RO |
Spain | ES | EUR | en_US |
es_ES |
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 |
es_US |
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.
Parameter name Required Description lineItems Price and product information about the purchased items.
Klarna only approves the payment if the total amount specified inlineItems
matches theamount.value
, and each line item contains adescription
.
You can optionally specifyproductUrl
andimageUrl
to include a link to and a picture of the purchased items in the invoice.shopperEmail
See note 1The 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, specifydeliveryAddress.firstName
anddeliveryAddress.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 thecountryCode
andcurrency
used in the request. For more information, see Klarna's documentation.countryCode The shopper's country.
This has to match the country of thebillingAddress
.telephoneNumber The shopper's telephone number, if provided.
For requirements on this field, see Klarna's documentation.additionalData.
openinvoicedata.merchantDataFor 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.
- Pass the
action
object to your client app.
Handle the redirect
- Use the Redirect Component to redirect the shopper to Klarna.
- After the shopper returns to your app, make a POST /payments/details request from your server, providing:
details
: TheactionComponentData.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:
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. |
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.
-
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. ThepspReference
you received in the initial authorization response remains the primary merchant reference, and this reference does not overwrite it. -
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
: receivedreference
: Your reference to this payment modification, for use in your reconciliation process.
-
Wait for the webhook event. This informs you whether the final amount has been captured.
If the capture is successful, this event contains:eventCode
: CAPTUREoriginalReference
: ThepspReference
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 thereason
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.
openinvoicedata | Corresponds with Klarna's
shipping_info
object |
Description | |
---|---|---|---|
shippingCompany |
shipping_company |
The name of the shipping company, as specific as possible. Maximum 100 characters. If there are multiple shipping companies, specify an array. For example: DHL SE or [DHL SE, PostNord] | |
shippingMethod |
shipping_method |
Shipping method. Possible values:
|
|
trackingNumber |
tracking_number |
Tracking number for the shipment. Maximum 100 characters. If there are multiple tracking numbers, specify an array. For example: 050823 or [050823, 050824] | |
trackingUri |
tracking_uri |
URI where the customer can track their shipment. Maximum 1024 characters. | |
returnShippingCompany |
return_shipping_company |
The name of the shipping company for the return shipment, as specific as possible. Maximum 100 characters. For example: DHL SE | |
returnTrackingNumber |
return_tracking_number |
Tracking number for the return shipment. Maximum 100 characters. | |
returnTrackingUri |
return_tracking_uri |
URI where the customer can track their return shipment. Maximum 1024 characters. |
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 inopeninvoicedata
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:
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_CONTRACToriginalReference
: ThepspReference
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 webhooks. You can enable the RECURRING_CONTRACT event code in the webhook settings page.
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
: ThepspReference
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.
PossiblerecurringProcessingModel
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
: ContAuthUnscheduledCardOnFile 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.
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.