Klarna

Features
Method	BNPL, Async - GET Redirect
Merchant countries	Europe
Consumer countries	Global
Processing currencies	Global
Increments	-
Captures	✅
Partial/Multiple partial captures	✅
Cancels	✅
Partial/Multiple partial cancels	⚠️ (Only one partial cancel is supported)
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	-
Min Amount	0.01
Account verification	-

Klarna is a Swedish fintech company that provides online financial services. The company provides payment processing services for the e-commerce industry, managing store claims and customer payments. The company is a "buy now, pay later" service provider.

When a consumer shops online using the Klarna payment method, the merchant sends a payment to the PSP.

The merchant redirects to the Klarna page and allows the customer to complete the purchase. When the customer completes the payment, a webhook with the final status will be sent to the merchant.

Note: The purchase expires 3 hours after creation. If it occurs, a webhook with aborted status will be sent to the merchant.

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "amount": {
        "value": 200,
        "currency": "eur"
    },
    "paymentMethod": {
        "type": "klarna",
        "klarna": {
            "returnUrl": "https://docs.nomupay.com"
        }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}