Klarna
Klarna offers better shopping with direct payments, pay later options, and instalment plans in a smoooth one-click purchase experience. Klarna payments support payments in most checkout processes, including online stores, mobile applications, and brick-and-mortar stores.
How it works
Key information
| Available country codes | AT, BE, DK, FI, FR, DE, IT, IE, NL, NO, PT, ES, SE, CH, GB, GR, PL, SK, CZ, RO, HU |
| Supported merchant locations | European Economic Area (EEA), United Kingdom, Switzerland |
| Supported currencies | EUR (for AT, BE, FI, FR, DE, IT, IE, NL, ES, IE, GR, SK), DKK (for DK), SEK for (SE), NOK (for NO), CHF (for CH), GBP (for GB), PLN (for PL), CZK (for CZ), RON (for RO), HUF (for HU) |
| Minimum transaction amount | EUR 1.00 (or equivalent) |
Maximum transaction amount* *The stated maximum transaction values does not guarantee acceptance. Klarna performs an approval check for every payment attempt (e.g., based on customer and risk criteria) and may reject transactions even within the allowed limits. | NL: EUR 14.000 AT, DE, FR, FI, BE: EUR 10.000 ES, PT, IT, IE, GR, SK: EUR 4.000 GB: GBP 4.000 DK: DKK 100.000 NO: NOK 100.000 SE: SEK 150.000 CH: CHF 5,000 PL: PLN 20.000 CZ: CZK 100.000RO: RON 20.000HU: HUF 1.000.000 |
| Session timeout | 48 hours |
| Supported operations | Auto-capture Partial capture (multiple) Full capture Release authorization Full refund Partial refund (multiple) |
| Refund validity | 3 years |
| Recurring | No |
| Settlement delay | 5 business days |
| Chargeback risk | Yes |
| Chargeback period | 180 days |
Integration details
| API method name | klarna |
| Supported API | Payments API, Orders API |
| Required fields | lines billingAddress.givenName billingAddress.familyName billingAddress.streetAndNumber billingAddress.postalCode billingAddress.city billingAddress.country billingAddress.email |
| Resource pack | Available here |
Reduce chargeback risks
To lower the risk for chargebacks we recommend the following:
Capture funds when fulfilling the order
Specifically when it takes more than 24 hours to fulfil an order, make sure to authorize the payment first and capture the funds once you have shipped your products. See Place a hold for a payment guide.
Add a shipping address
Where applicable, add a valid shipping address to the payment. This information can help prevent disputes and chargebacks.