Klarna

Start accepting payments using Klarna, a favorite payment method in Europe.

We offer Klarna's Pay later and Slice it payment methods, allowing your customers to either pay up to 30 days later via an invoice, or split the payment into three equal installments.

To start accepting Klarna payments, please contact your Customer Success manager.

Overview

To integrate Klarna into your checkout process and start accepting payments, follow these five steps:

  1. Create a session. When the customer reaches your checkout page, create a session with Klarna.
  2. Display widget. Initialize and load the Klarna widget to present your customer with the payment methods.
  3. Authorize. When the customer presses the buy/review order button on your page, make an authorization request.
  4. Place the order. After the order has been authorized, place the order by using the authorization token generated in step three.
  5. Capture the payment. Finally, once you've shipped the order or made it available to the customer, you can capture the payment.

Create a session 

First, you need to create a Klarna session for your customer.

You should provide all known order details at this stage to enable pre-assessment and to personalize the experience for your customer.

If, however, your checkout process is designed in a way that you don't have all the customer's details at this point, you can add them later on when you load the Klarna widget or when you come to authorize the payment.

When you create a session, you will receive the available payment_method_categories, a session_id and a client_token. You can use the session_id to update the session using our API, and the client_token should be passed to the browser. A session is valid for 48 hours.

Endpoints

https://api.checkout.com/klarna/credit-sessions
https://api.sandbox.checkout.com/klarna-external/credit-sessions

Header parameters

HeaderValue

Authorization

REQUIRED

public key

Use the valid public key of your Checkout.com account. You can find this in the Hub.

Content-Type

REQUIRED

application/json

Body parameters

Field nameDescription

purchase_country

STRING

REQUIRED

The country in which the purchase is being made (two-letter ISO 3166 code).

currency

STRING

REQUIRED

The currency in which the payment is being made (three-letter ISO 4217 code).

locale

STRING

REQUIRED

The customer's locale (RFC 1766 code).

amount

INTEGER

REQUIRED

The total amount of the order, including tax and any discounts.

tax_amount

INTEGER

REQUIRED

The total tax amount of the order.

products

ARRAY

REQUIRED

The order details.

This object is passed directly to Klarna as order_lines. See Klarna's documentation for more information.

purchase_country and locale will affect the Klarna widget's validation rules. For example, when your customer is prompted for their address, the widget's postal code field will validate against available post codes in the country specified in purchase_country.

Request example

{
  "purchase_country": "GB",
  "currency": "GBP",
  "locale": "en-GB",
  "amount": 1000,
  "tax_amount": 1,
  "products": [
    {
      "name": "Brown leather belt",
      "quantity": 1,
      "unit_price": 1000,
      "tax_rate": 0,
      "total_amount": 1000,
      "total_tax_amount": 0
    }
  ]
}

Response examples

{
  "session_id": "kcs_55xomnyd3ftujckeoyuvtkx2ue",
  "client_token": "eyJhbGciOiJub25lIn0.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.",
  "payment_method_categories": [
    {
      "asset_urls": {
        "descriptive": "https://cdn.klarna.com/1.0/shared/image/generic/badge/en_gb/slice_it/descriptive/pink.svg",
        "standard": "https://cdn.klarna.com/1.0/shared/image/generic/badge/en_gb/slice_it/standard/pink.svg"
      },
      "identifier": "pay_over_time",
      "name": "Slice it."
    },
    {
      "asset_urls": {
        "descriptive": "https://cdn.klarna.com/1.0/shared/image/generic/badge/en_gb/pay_later/descriptive/pink.svg",
        "standard": "https://cdn.klarna.com/1.0/shared/image/generic/badge/en_gb/pay_later/standard/pink.svg"
      },
      "identifier": "pay_later",
      "name": "Pay later."
    }
  ],
  "_links": {
    "self": {
      "href": "http://localhost:5100/credit-sessions/kcs_55xomnyd3ftujckeoyuvtkx2ue"
    }
  }
}
{
  "request_id": "0HLK56US9BH1E:0000005B",
  "error_type": "request_invalid",
  "error_codes": [
    "purchase_country_required"
  ]
}

If something goes wrong, you may get a 400 Bad request or 401 Unauthorized to access this resource error.

Display widget 

Next, load the widget on your page so your customer can choose one of the Klarna payment methods.

Add the JavaScript SDK to your page

To do so, you first need to insert the below code into your page to load the Klarna Payments Library in your client.


Initialize the SDK

Then initialize the Klarna Payments Library. To do this, call init and pass the client_token that you got in the response when you created the session in the first step.

try {
    Klarna.Payments.init(
        {
            client_token: "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJmb28iOiJiYXIifQ.dtxWM6MIcgoeMgH87tGvsNDY6cH"
        }
    );
} catch (e) {
    // Handle error
}

Add a container to your page

Next, specify where you want the widget by adding a container to your checkout page with the following snippet.

<div id="klarna_container"></div>

The Klarna Payments iframe requires a minimum width of 280px.

Display available payment methods

To show your customer the Klarna payment options open to them (i.e. Pay later and Slice it), use the following payment_method_categories array, which you'll find in the response you received when you created the session in step one.

{
  // ...
  "payment_method_categories": [
    {
      "asset_urls": {
        "descriptive": "https://cdn.klarna.com/1.0/shared/image/generic/badge/en_gb/slice_it/descriptive/pink.svg",
        "standard": "https://cdn.klarna.com/1.0/shared/image/generic/badge/en_gb/slice_it/standard/pink.svg"
      },
      "identifier": "pay_over_time",
      "name": "Slice it."
    },
    {
      "asset_urls": {
        "descriptive": "https://cdn.klarna.com/1.0/shared/image/generic/badge/en_gb/pay_later/descriptive/pink.svg",
        "standard": "https://cdn.klarna.com/1.0/shared/image/generic/badge/en_gb/pay_later/standard/pink.svg"
      },
      "identifier": "pay_later",
      "name": "Pay later."
    }
  ]
  // ...
}

Load the Klarna widget

When that's done, present the Klarna widget to your customer by calling load, passing the ID of the container you added earlier and specifying the payment_method_categories.

If your customer has changed, say, their order or billing details since the session was created, you can also use load to pass these updates to the session by adding the relevant information to the data object.

Field nameDescription

options

OBJECT

REQUIRED

Use this to contain the container ID, payment_method_categories, and instance_id.

options.container

STRING

REQUIRED

The ID you specified for the Klarna container above.

options.payment_method_categories

ARRAY

REQUIRED

The identifiers of the payment_method_categories you want to present to the customer. (i.e. pay_later and/or slice_it)

options.instance_id

STRING

REQUIRED

The ID you'll use to identify this instance of the Klarna Payments client.

You should include this same instance_id for subsequent actions, like authorize, to indicate which instance the action applies to.

data

OBJECT

OPTIONAL

If the customer has changed any of their order or billing information, this can be used to update the session.

data.purchase_country

STRING

OPTIONAL

The country in which the purchase is being made (two-letter ISO 3166 code).

data.purchase_currency

STRING

OPTIONAL

The currency in which the payment is being made (three-letter ISO 4217 code).

data.locale

STRING

OPTIONAL

The customer's locale (RFC 1766 code).

data.billing_address

OBJECT

OPTIONAL

Details about the customer's billing address.

data.shipping_address

OBJECT

OPTIONAL

Details about the customer's shipping address.

data.order_amount

INTEGER

OPTIONAL

The total amount of the order, including tax and any discounts.

data.order_tax_amount

INTEGER

OPTIONAL

Total tax amount of the order.

data.order_lines

ARRAY

OPTIONAL

Details about the order.

This object is passed directly to Klarna as order_lines. See Klarna's documentation for more information.

data.customer

OBJECT

OPTIONAL

Details about the customer.

callback

FUNCTION

REQUIRED

Catches the response from Klarna.Payments.load() for further processing.

We recommend passing the data object with every call to load, to ensure that the session reflects any changes the customer might have made to their order or billing information.

Example

try {
  Klarna.Payments.load(
    // options
    {
      container: "#klarna_container",
      payment_method_categories: ["pay_later", "slice_it"],
      instance_id: "klarna-payments-instance"
    },
    // data
    {
      purchase_country: "GB",
      purchase_currency: "GBP",
      locale: "en-GB",
      billing_address: {
        given_name: "John",
        family_name: "Doe",
        email: "johndoe@email.com",
        title: "Mr",
        street_address: "13 New Burlington St",
        street_address2: "Apt 214",
        postal_code: "W13 3BG",
        city: "London",
        region: "",
        phone: "01895808221",
        country: "GB"
      },
      shipping_address: {
        given_name: "John",
        family_name: "Doe",
        email: "johndoe@email.com",
        title: "Mr",
        street_address: "13 New Burlington St",
        street_address2: "Apt 214",
        postal_code: "W13 3BG",
        city: "London",
        region: "",
        phone: "01895808221",
        country: "GB"
      },
      order_amount: 10,
      order_tax_amount: 0,
      order_lines: [
        {
          type: "physical",
          reference: "19-402",
          name: "Battery Power Pack",
          quantity: 1,
          unit_price: 1000,
          tax_rate: 0,
          total_amount: 1000,
          total_discount_amount: 0,
          total_tax_amount: 0,
          product_url: "https://www.estore.com/products/f2a8d7e34",
          image_url: "https://www.exampleobjects.com/logo.png"
        }
      ],
      customer: {
        date_of_birth: "1970-01-01",
        gender: "male"
      }
    },
    // callback
    function (response) {
      // ...
    }
  );
} catch (e) {
  // Handle error. The load~callback will have been called
  // with "{ show_form: false }" at this point.
}

Response examples

{
  show_form: true
}
{
  show_form: true,
  error: {
    invalid_fields: ["billing_address.email"]
  }
}
{
  show_form: false
}

Authorize the order 

When your customer presses the buy now button, you can authorize the order. In return, you'll receive an authorization token, which you'll then use to complete the payment.

The authorize call may require the customer to provide more details, meaning that the response could be instant, could take a very long time (i.e. the time it takes the customer to complete the form), or might not happen (if the customer drops out). The integration, therefore, should not rely on an immediate response and should not implement timeouts on the merchant side, but, rather, wait for the callback function to be called.

Field nameDescription

options

OBJECT

REQUIRED

Use this to pass the instance_id.

options.instance_id

STRING

REQUIRED

The ID of the Klarna Payments instance you want to authorize.

You should use the instance_id from the load call above.

data

OBJECT

OPTIONAL

Use this to provide any order or billing details that the customer has changed.

callback

FUNCTION

REQUIRED

Catches the response from Klarna.Payments.authorize() for further processing.

Example

try {
  Klarna.Payments.authorize(
    // options
    {
      instance_id: "klarna-payments-instance" // Same as instance_id set in Klarna.Payments.load().
    },
    // data
    {
      billing_address: {
        // ...
      }
    },
    // callback
    function (response) {
      // ...
    }
  );
} catch (e) {
  // Handle error. The authorize~callback will have been called
  // with "{ show_form: false, approved: false }" at this point.
}

Response examples

{
  authorization_token: "b4bd3423-24e3",
  approved: true,
  show_form: true
}
{
  approved: false,
  show_form: true,
  error: {
    invalid_fields: ["billing_address.email"]
  }
}
{
    approved: false,
    show_form: false
}

Place the order 

If the authorization was successful, you will have received an authorization_token, which you can now use to place the customer's order.

Do not auto-capture the payment!

When you're processing a transaction via Klarna, you must only capture the payment once the goods have been shipped to the customer, unless you are selling an online service that the customer may use immediately.

Endpoints

https://api.checkout.com/payments
https://api.sandbox.checkout.com/payments

Header parameters

HeaderValue

Authorization

REQUIRED

secret key

Use the valid secret key of your Checkout.com account. You can find this in the Hub.

Content-Type

REQUIRED

application/json

Body parameters

Field nameDescription

amount

INTEGER

REQUIRED

The payment amount.

currency

STRING

REQUIRED

The currency in which the payment is being made (three-letter ISO 4217 code).

capture

BOOLEAN

REQUIRED

Choose whether or not to capture the payment.

Defaults to true, but must be false in this case.

source

OBJECT

REQUIRED

Details about the payment source.

source.type

STRING

REQUIRED

The type of payment source. Set this to klarna.

source.authorization_token

STRING

REQUIRED

The Klarna authorization token, which you received when you authorized the order.

source.locale

STRING

REQUIRED

The customer's locale (RFC 1766 code).

Default value taken from your business settings.

source.purchase_country

STRING

REQUIRED

The country in which the purchase is being made (two-letter ISO 3166 code).

Default value taken from your business settings.

source.auto_capture

BOOLEAN

OPTIONAL

Allows you to trigger auto-capture of the payment.

source.tax_amount

INTEGER

REQUIRED

The total tax amount for the order.

source.billing_address

OBJECT

REQUIRED

Details about the customer's billing address.

This object is passed directly to Klarna as billing_address. See Klarna's documentation for more information.

source.shipping_address

OBJECT

OPTIONAL

Details about the customer's shipping address.

This object is passed directly to Klarna as shipping_address. See Klarna's documentation for more information.

source.customer

OBJECT

OPTIONAL

Details about the customer.

This object is passed directly to Klarna as customer. See Klarna's documentation for more information.

source.products

ARRAY

REQUIRED

Details about the order.

This object is passed directly to Klarna as order_lines. See Klarna's documentation for more information.

source.merchant_reference1

STRING

OPTIONAL

Use this to store an internal order number or other reference. If set, this will be shown on the confirmation page as order number.

Up to 255 characters.

source.merchant_reference2

STRING

OPTIONAL

Use this to store an internal order number or other reference.

Up to 255 characters.

source.merchant_data

STRING

OPTIONAL

Pass-through field.

Up to 1024 characters.

source.attachment

OBJECT

OPTIONAL

Additional purchase information required for some industries.

This object is passed directly to Klarna as attachment. See Klarna's documentation for more information.

Request example

{
  "amount": 1000,
  "currency": "GBP",
  "capture": false,
  "source": {
    "type": "klarna",
    "authorization_token": "b4bd3423-24e3",
    "locale": "en-GB",
    "purchase_country": "GB",
    "tax_amount": 0,
    "billing_address": {
      "given_name": "John",
      "family_name": "Doe",
      "email": "johndoe@email.com",
      "title": "Mr",
      "street_address": "13 New Burlington St",
      "street_address2": "Apt 214",
      "postal_code": "W13 3BG",
      "city": "London",
      "phone": "01895808221",
        "country": "GB"
        },
      "customer": {
        "date_of_birth": "1970-01-01",
        "gender": "male"
      },
      "products": [
        {
          "name": "Battery Power Pack",
          "quantity": 1,
          "unit_price": 1000,
          "tax_rate": 0,
          "total_amount": 1000,
          "total_tax_amount": 0
        }
      ]
    }
  }
}

Response example

Unlike the other payment method supports, Klarna is always synchronous. The redirect links contained in the response set Klarna-specific cookies, so that the customer is recognized in future payment requests.

{
  "id": "pay_y3oqhf46pyzuxjbcn2giaqnb44",
  "action_id": "act_y3oqhf46pyzuxjbcn2giaqnb44",
  "amount": 1000,
  "currency": "GBP",
  "approved": true,
  "status": "Authorized",
  "response_code": "10000",
  "response_summary": "Approved",
  "source": {
    "type": "klarna",
    "order_id": "5ca8d9ed-d327-61a8-a8f7-c947073142ee",
    "fraud_status": "ACCEPTED"
  },
  "customer": {
    "date_of_birth": "1970-01-01",
    "gender": "male"
  },
  "processed_on": "2019-01-15T10:59:51Z",
  "reference": "ORD-5023-4E89",
  "_links": {
    "self": {
      "href": "https://api.checkout.com/payments/pay_y3oqhf46pyzuxjbcn2giaqnb44"
    },
    "actions": {
      "href": "https://api.checkout.com/payments/pay_y3oqhf46pyzuxjbcn2giaqnb44/actions"
    },
    "klarna:payment-capture": {
      "href": "https://api.checkout.com/klarna/orders/pay_jfcxs5vllp5ufden4lhe2wy4b4/captures/"
    },
    "klarna:payment-void": {
      "href": "https://api.checkout.com/klarna/orders/pay_jfcxs5vllp5ufden4lhe2wy4b4/voids/"
    }
  }
}

The 202 response with an approved: true flag confirms that Klarna will process your payout as soon as you capture the payment in the next step.

Capture the payment 

Once you've shipped your goods to the customer, you can capture the payment. If, however, you provide the customer with immediate access to your product (e.g., you provide them with an online service), you can capture the payment as soon as the order is placed.

If you're shipping goods, it's a good idea to include the shipping_info for transparency as Klarna will include it in the correspondence with your customer.

Endpoints

https://api.checkout.com/klarna/orders/{payment_id}/captures
https://api.sandbox.checkout.com/klarna-external/orders/{payment_id}/captures

Header and path parameters

HeaderValue

Authorization

REQUIRED

public key

Use the valid public key of your Checkout.com account. You can find this in the Hub.

Content-Type

REQUIRED

application/json
PathValue

payment_id

REQUIRED

The payment ID you received in the response when you placed the order.

Body parameters

Field nameDescription

amount

INTEGER

OPTIONAL

The amount you wish to capture. If you don't specify, you will capture the full payment amount.

reference

STRING

OPTIONAL

A reference, such as an order number, you can later use to identify this payment.

metadata

OBJECT

OPTIONAL

A set of key-value pairs that you can attach to a payment. You can use this to store additional information in a structured format.

type

STRING

OPTIONAL

Type which can be used as a discriminator for a more generic capture endpoint with property bags.

klarna

OBJECT

REQUIRED

Contains the order and shipping information.

klarna.description

STRING

OPTIONAL

A description of the order shown to the customer.

Up to 255 characters.

klarna.products

ARRAY

OPTIONAL

The order details.

This object is passed directly to Klarna as order_lines. See Klarna's documentation for more information.

klarna.shipping_info

ARRAY

OPTIONAL

The shipping information for the order.

klarna.shipping_delay

INTEGER

OPTIONAL

The delay before the order is shipped. This field is currently not returned when reading the order.

If you want to submit a value greater than 0, this needs to be enabled in your account. Please contact Klarna for further information.

Request example

{
  "amount": 1000,
  "reference": "ORD-5023-4E89",
  "metadata": {},
  "type": "klarna",
  "klarna": {
    "description": "Your order with Checkout.com",
    "products":[
      {
        "name": "Battery Power Pack",
        "quantity": 1,
        "unit_price": 1000,
        "tax_rate": 0,
        "total_amount": 1000,
        "total_tax_amount": 0         
      }
    ],
    "shipping_info": [
      {
        "shipping_company": "DHL US",
        "shipping_method": "PickUpStore",
        "tracking_number": "63456415674545679874",
        "tracking_uri": "http://shipping.example/findmypackage?63456415674545679874",
        "return_shipping_company": "DHL US",
        "return_tracking_number": "93456415674545679888",
        "return_tracking_uri": "http://shipping.example/findmypackage?93456415674545679888"
      }
    ],
    "shipping_delay": 0
  }
}

Response examples

{
  "action_id": "act_4sz4seltcrzuvcgaetumnlamq4"
}
{
  "request_id": "beug8y83h978yh",
  "error_type": "request_invalid",
  "error_codes": [
    "customer_id_required",
    "given_name_exceed_length"
  ]
}

If unsuccessful, you may receive a 403 Capture not allowed or 404 Payment not found error.

Refund a payment

Klarna supports both partial and full refunds. You can refund a payment through the Hub or using the refund API.

Void a payment

Endpoints

https://api.checkout.com/klarna/orders/{payment_id}/voids
https://api.sandbox.checkout.com/klarna-external/orders/{payment_id}/voids

Header and path parameters

HeaderValue

Authorization

REQUIRED

public key

Use the valid public key of your Checkout.com account. You can find this in the Hub.

Content-Type

REQUIRED

application/json
PathValue

payment_id

REQUIRED

The payment ID (prefixed with pay_) you received in the response when you placed the order.

Body parameters

Field nameDescription

reference

STRING

OPTIONAL

A reference, such as an order number, you can later use to identify this payment.

metadata

OBJECT

OPTIONAL

A set of key-value pairs that you can attach to a payment. You can use this to store additional information in a structured format.

Request example

{
  "reference": "ORD-5023-4E89",
  "metadata": {}
}

Response examples

{
  "action_id": "act_v6572a7elpuupbaljmoi4tk3ma"
}
{
  "request_id": "0HL80RJLS76I7",
  "error_type": "request_invalid",
  "error_codes": [
    "payment_source_required"
  ]
}

If unsuccessful, you may get a 403 Capture not allowed or 404 Payment not allowed error.

Can we help?

Thanks for using Checkout.com. If you need help or have a question, message our Support team at support@checkout.com.