Klarna is a global payment system, based on deffered payment. This payment method, very popular for Buy Now Pay Later payments, is available in many countries. It offers customers several ways to pay for their purchases:
- Pay Now
- Pay Later
- Pay in 3
- Financing
Presentation
| Brand | Payment flow | API Product Code | Country | Currency | 3DS | Refund / Partial refund | Recurring |
| Klarna | Redirect | klarna | 🇩🇪 🇦🇹 🇧🇪 🇩🇰 🇪🇸 🇫🇮 🇫🇷 🇮🇹 🇳🇴 🇳🇱 🇵🇱 🇵🇹 🇬🇧 🇸🇪 🇨🇭 | CHF, DKK, EUR, GBP, NOK, PLN, SEK | ✅ | ✅ / ✅ |
Merchants whose MCC is listed below should refer to the Klarna Debit Risk offer:
– Financial Services (MCC Codes: 6012, 6050, 6211, 6529, 6530, 6531, 6532, 6533, 6534, 6535, 7778, 4829, 6010, 6011, 6540)
– Crypto-related activities (MCC Code: 6051)
– Digital Services & Goods (MCC Codes: 7995, 9754, 7800, 7801, 7802, 9211, 9222, 9223)
– Erotic Services (MCC Codes: 5967, 7273)
Klarna offer by country
| Country | Pay Now | Pay Later | Pay in 3 | Financing |
| Sweden | ✅ | ✅ | ✅ | ✅ |
| Norway | ✅ | ✅ | ✅ | ✅ |
| Finland | ✅ | ✅ | ✅ | ✅ |
| Germany | ✅ | ✅ | ✅ | ✅ |
| Austria | ✅ | ✅ | ✅ | ✅ |
| Denmark | ✅ | ✅ | ✅ | |
| Netherlands | ✅ | ✅ | ✅ | |
| United Kingdom | ✅ | ✅ | ✅ | |
| Belgium | ✅ | ✅ | ✅ | |
| Switzerland | ✅ | ✅ | ✅ | |
| Italy | ✅ | ✅ | ✅ | |
| Spain | ✅ | ✅ | ✅ | |
| France | ✅ | ✅ | ✅ | |
| Portugal | ✅ | ✅ | ✅ | |
| Poland | ✅ | ✅ | ✅ |
Integration
User Experience
-
-
- Choice of Klarna as payment method (Hosted Payments on the merchant’s website)
- Redirection and Payment (Klarna’s website)
- Confirmation page display (merchant’s website)
-
Integration
With this integration you are in charge of redirecting the customer to Klarna’s website, once the customers clicks on the payment button. The hosted payments will take care of displaying the klarna payment method.
To display the Hosted Payments you will need to integrate the Javascript SDK and the ORDER API.
Here you have the mandatory parameters of the ORDER API:
payment_product : klarna
orderid : unique order id. Ex: ORDER_1583157210
description : order short description. Ex. Summer Sales
amount : Total order amount. Ex: 99.99
currency : Order ISO 4217 three-character currency code. Ex: EUR
Specific to Klarna :
firstname : The customer’s first name
lastname : The customer’s last name
email : The customer’s email
streetadress : Street address of the customer
city : The customer’s city
zipcode : The zip or postal code of the customer.
country : The customer’s country
tax : The order tax fee
basket : The customer’s shopping cart details. Please refer to HiPay Enterprise – Payment Gateway – Shopping cart managment technical documentation
Endpoints
Stage: https://stage-secure-gateway.hipay-tpp.com/rest/v1/order
Production: https://secure-gateway.hipay-tpp.com/rest/v1/order
Make sure you have configured your HiPay account and the redirection urls before using the Order API.
Important ! To have better insights of your payments you can leverage HiPay’s platform data management. To do so, we strongly recommend to send as much data as possible, as the basket and the customer information. Here you have all the parameters of the API.
User Experience
-
-
- Choice of Klarna as payment method (merchant’s website)
- Redirection and Payment (Klarna’s website)
- Confirmation page display (merchant’s website)
-
Integration
With this integration you are in charge of displaying the choice of Klarna and redirecting the customer to Klarna’s website, once the customers clicks on the payment button.
To display the Hosted Fields you will need to integrate the Javascript SDK and the ORDER API to redirect the customer to the issuing bank’s website.
Here you have the mandatory parameters of the ORDER API:
payment_product : klarna
orderid : unique order id. Ex: ORDER_1583157210
description : order short description. Ex. Summer Sales
amount : Total order amount. Ex: 99.99
currency : Order ISO 4217 three-character currency code. Ex: EUR
Specific to Klarna :
firstname : The customer’s first name
lastname : The customer’s last name
email : The customer’s email
streetadress : Street address of the customer
city : The customer’s city
zipcode : The zip or postal code of the customer.
country : The customer’s country
tax : The order tax fee
basket : The customer’s shopping cart details. Please refer to HiPay Enterprise – Payment Gateway – Shopping cart managment technical documentation
Endpoints
Stage: https://stage-secure-gateway.hipay-tpp.com/rest/v1/order
Production: https://secure-gateway.hipay-tpp.com/rest/v1/order
Make sure you have configured your HiPay account and the redirection urls before using the Order API.
Important ! To have better insights of your payments you can leverage HiPay’s platform data management. To do so, we strongly recommend to send as much data as possible, as the basket and the customer information. Here you have all the parameters of the API.
User Experience
-
-
- Choice of Klarna as payment method (merchant’s website or Hosted Page)
- Redirection and Payment (Klarna’s website)
- Confirmation page display (merchant’s website)
-
Integration
With this integration HiPay will be in charge of displaying the payment method.
In order to do so, you need to request a Hosted Page. Here you have the mandatory parameters of the HPAYMENT API:
payment_product_list : Klarna
orderid : unique order id. Ex: ORDER_1583157210
description : order short description. Ex. Summer Sales
amount : Total order amount. Ex: 99.99
currency : Order ISO 4217 three-character currency code. Ex: EUR
Specific to Klarna :
firstname : The customer’s first name
lastname : The customer’s last name
email : The customer’s email
streetadress : Street address of the customer
city : The customer’s city
zipcode : The zip or postal code of the customer.
country : The customer’s country
tax : The order tax fee
basket : The customer’s shopping cart details. Please refer to HiPay Enterprise – Payment Gateway – Shopping cart managment technical documentation
Endpoints
Stage: https://stage-api.hipay.com/v1/hpayment
Production: https://api.hipay.com/v1/hpayment
Make sure you have configured your HiPay account and the redirection url before using the Order API.
Important ! To have better insights of your payments you can leverage HiPay’s platform data management. To do so, we strongly recommend to send as much data as possible, as the basket and the customer information. Here you have all the parameters of the API.
User Experience
-
-
- Choice of Klarna as payment method (merchant’s website)
- Redirection and Payment (Klarna’s website)
- Confirmation page display (merchant’s website)
-
Integration
With this integration you are in charge of displaying the payment method.
You may use the Order API in order to redirect the customer to Klarna’s website.
Here you have the mandatory parameters of the ORDER API:
payment_product : klarna
orderid : unique order id. Ex: ORDER_1583157210
description : order short description. Ex. Summer Sales
amount : Total order amount. Ex: 99.99
currency : Order ISO 4217 three-character currency code. Ex: EUR
Specific to Klarna :
firstname : The customer’s first name
lastname : The customer’s last name
email : The customer’s email
streetadress : Street address of the customer
city : The customer’s city
zipcode : The zip or postal code of the customer.
country : The customer’s country
tax : The order tax fee
basket : The customer’s shopping cart details. Please refer to HiPay Enterprise – Payment Gateway – Shopping cart managment technical documentation
Endpoints
Stage: https://stage-secure-gateway.hipay-tpp.com/rest/v1/order
Production: https://secure-gateway.hipay-tpp.com/rest/v1/order
Make sure you have configured your HiPay account and the redirection urls before using the Order API.
Important ! To have better insights of your payments you can leverage HiPay’s platform data management. To do so, we strongly recommend to send as much data as possible, as the basket and the customer information. Here you have all the parameters of the API.