Attributes

• METHOD TYPEReal-Time Bank Transfer
• PAYMENTS
• PAYOUTS
• REFUNDS
• RECURRING

Introduction

Klarna is a global leader in flexible payment solutions. Klarna Debit Risk provides high-risk partners a fast, secure bank transfer product with high acceptance rates via Pay Now.

Supported Countries

• Austria
• Belgium
• Finland
• Germany
• Netherlands
• Spain
• Sweden
• Switzerland
• United Kingdom

Supported Currencies

• CHF
• EUR
• GBP
• SEK

Payment (Deposit) Flow

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken

Press here for details.

2. Send a /payment Request

Perform the payment by sending a /payment request with its mandatory parameters including:

• userTokenId
• amount
• currency
• paymentOption.alternativePaymentMethod class containing:
  • paymentMethod: “apmgw_Sofort“
• deviceDetails class containing: ipAddress
• billingAddress class containing: firstName, lastName, country, email
• userDetails class containing: firstName, lastName, country, email

Example /payment Request

{
  "sessionToken":"<sessionToken from /getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "amount":"200",
  "currency":"EUR",
  "userTokenId":"<unique customer identifier in merchant system>",
  "clientUniqueId":"<unique transaction ID in merchant system>",
  "paymentOption":{
    "alternativePaymentMethod":{
      "paymentMethod":"apmgw_Sofort"
    }
  },
  "deviceDetails":{
    "ipAddress":"<customer's IP address>"
  },
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "country": "DE",
    "email": "[email protected]"
  },
  "userDetails":{
    "firstName": "John",
    "lastName": "Smith",
    "country": "DE",
    "email": "[email protected]"
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}

The response generates and returns a redirect URL (redirectUrl) to redirect the customer to the payment page, as well as a UPO (userPaymentOptionId) for use in future transactions.

Example /payment Response

{
  "orderId":"341413598",
  "userTokenId":"Usertoken01",
  "paymentOption":{
    "redirectUrl":"https://apitest.nuvei.com/Home?PaymentToken=F355F191C8B97D1D3B8453B283258C66.13560826",
    "userPaymentOptionId":"83246818"
  },
  "transactionStatus":"REDIRECT",
  "sessionToken":"f43d774a-a180-4935-bbc1-1315bb4dc203",
  "internalRequestId":549917488,
  "status":"SUCCESS",
  "errCode":0,
  "reason":"",
  "merchantId":"2439523627382132721",
  "merchantSiteId":"224428",
  "version":"1.0",
  "clientRequestId":"20221104131500"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

User Experience

1. The user is redirected to Klarna, confirms the payment details, and presses Pay with Klarna.
   
2. The user signs in to the online bank.
   
3. The user provides the one-time password (OTP) and confirms the payment.
   
4. If the user entered the correct details, the transaction is completed and the merchant receives a notification with the success status.
   The customer is redirected to the merchant’s return URL.
   

Testing

To test the Klarna Pay Now payment method successfully, use the test data below.