Learn about Klarna, a global payment method for customers to buy now and pay later.
Klarna gives customers a range of payment options during checkout. Available payment options vary depending on the customer’s billing address and the transaction amount.
Characteristics #
The availability of payment methods per country depends on the merchant vertical.
Available country codes, Processing (Presentation) currencies, Settlement currencies, and Consumer currencies can be found from the table above.
The customer is redirected to the Klarna payment page to pay. If the customer chooses a deferred payment option, Klarna may collect additional information for risk assessment and approval. After providing payment details to Klarna, the transaction succeeds, and the customer is redirected back to your website.
Properties #
Minimum transaction amount #
| Fair Financing (country and time period dependent) | Pay in 3 | Pay Later | Pay Now |
|---|---|---|---|
| AT, DE: 6m=25 EUR, 12m=120 EUR, 24m=1,000 EUR, 36m=1,500 EUR | 35 EUR | AT, DE: 0.1 EUR | 0 EUR |
| FI: 6m=25 EUR, 12m=500 EUR, 24m=1,000 EUR, 36m=1,500 EUR | 25 GBP | all other countries: 1 EUR or equivalent | 0 SEK |
| NO: 6m=250 NOK, 12m=5,000 NOK, 24m=10,000 NOK, 36m=15,000 NOK | 350 DKK | 0 CHF | |
| SE: 6m=250 SEK, 12m=5,000 SEK, 24m=10,000 SEK, 36m=15,000 SEK |
Maximum transaction amount #
| Fair Financing | Pay in 3 | Pay Later | Pay Now |
|---|---|---|---|
| Max limit set by Klarna | 1000 EUR | BE: 1,500 EUR (new users), 2,500 EUR (returning users) | 15,000 EUR |
| 1000 GBP | AT, FI, DE, NL: 5000 EUR | 150,000 SEK | |
| 50,000 DKK | 50,000 DKK, 75,000 NOK, 7,000 PLN, 100,000 SEK, 1,000 CHF, 600 GBP | 15,000 CHF |
Integration Method #
Server to Server #
Create a PaymentIntent #
A PaymentIntent is an object that represents your intent to collect payment from a customer and tracks the lifecycle of the payment process through each stage.
First, create a PaymentIntent on your server and specify the amount to collect and the eur currency (SEPA Direct Debit does not support other currencies).
If you already have an integration using the Payment Intents API, add sepa_debit to the list of payment method types for your PaymentIntent.
Request
{
"amount": 2000,
"currency": "EUR",
"confirm": true,
"payment_method_data": {
"type": "klarna",
"billing_details": {
"address": {
"country": "DE"
},
"name": "Anthony VDK"
}
},
"merchant_order_id": "txid_20221116110000",
"return_url": "https://wooshpay.com"
}Response
{
"id": "pi_1646475541005467648",
"object": "payment_intent",
"created": 1681385334000,
"currency": "EUR",
"amount": 2000,
"status": "requires_action",
"livemode": false,
"merchant_order_id": "txid_20221116110000",
"client_secret": "pi_1646475541005467648_secret_nv4NCSnCNwjg8rF7wZ9TK566",
"next_action": {
"type": "klarna_handle_redirect",
"klarna_handle_redirect": {
"url": "https://r2.girogate.de/klarna/T971/I?tx=140058501637&rs=JdVuSMbapR6Tmci2UV82N8HKVzDHM00t&cs=7985d309af13cf53c6fe0b9acbfd9f493206330132aa7d63670137317ae60661"
}
},
"payment_method_types": [
"klarna"
],
"confirmation_method": "automatic",
"return_url": "https://wooshpay.com",
"payment_method": "pm_1646475540888027136",
"capture_method": "automatic"
}Refund #
You can refund Klarna charges up to 365 days after the payment completes. Klarna cancels any remaining payments on a refunded charge and returns the already-paid amount to the customer. Refunds usually take 5-7 business days to complete, but may take longer depending on the customer’s financial institution and the type of purchase.
Refund amount:
Klarna supports full, partial, and multiple partial refunds.
