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.
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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.
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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

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Integration Method

Server to Server

1. 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://XXXXXXXXXXXXXXXXXXX"
        }
    },
    "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.

Transaction Flow