Attributes

• METHOD TYPEBNPL
• PAYMENTS
• PAYOUTS
• REFUNDS
• RECURRING

Introduction

Klarna is a payment method optimized for merchants and shoppers. Klarna allows payments of any size with one step. Klarna supports more than 60 million users and more than 90,000 merchants in their local currencies, whether they choose to pay immediately or pay later. Deposits and refunds are supported, but not withdrawals.

Supported Countries

• Austria
• Denmark
• Finland
• Germany
• Netherlands
• Norway
• Sweden
• United Kingdom

Supported Currencies

• EUR
• USD
• GBP
• DKK
• NOK
• SEK

Payment (Deposit) Flow

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{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId":"<merchantId>",
  "merchantSiteId":"<merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "clientUniqueId":"<unique transaction ID in merchant system>",
  "amount":"200",
  "currency":"EUR",
  "userTokenId":"<unique customer identifier in merchant system>",
  "paymentOption":{
    "alternativePaymentMethod":{ 
      "paymentMethod": "apmgw_klarna"
    }
  },
  "userDetails":{
    "firstName":"John",
    "lastName":"Smith",
    "email":"[email protected]",
    "phone":"461112223333",
    "country":"SE"
  },
  "deviceDetails":{
    "ipAddress":"<customer's IP address>"
  },  
  "timeStamp":"<YYYYMMDDHHmmss>", 
  "checksum":"<calculated checksum>"
}

Handling the Klarna Cart

Klarna uses a shopping cart as its main container, and the cart can have different capabilities for different merchants.

Integration with Nuvei must ensure proper integration of cart features. Depending on the country of the transaction and the country in which a merchant resides, a Klarna integration can involve one or more of the following cart specifics:

• Shipping and handling costs
• Discounts
• Tax calculation

User Experience

1. The user is redirected to the Klarna page, and is offered payment options (can vary depending on the country and the merchant).
   
2. The user enters the 6-digit code that was sent to their phone.
   
3. The user confirms the payment.
   

Appendix – Cashier Requirements

Item Details

The merchant must provide the following input parameter in the request.

item_type_N

Press here for more details including possible values.

Shipping Details

Shipping details are mandatory for Klarna. There are two ways for a merchant to provide the customer’s shipping details:

• Using dedicated shipping details input parameters.
• Using a dedicated configuration in the back office system that passes the billing details as shipping details. To set this configuration this if needed, please contact the Nuvei Integration Team.

Shipping and Handling Costs

Klarna enables merchants to specify shipping and handling costs that can be assigned to specific items (item level) or to the total amount (cart level). The tax rate on shipping and handling costs can be different than the tax rate on the items.

Formula

Shipping tax amount = shipping tax rate * (shipping cost + handling cost)

Example

Shipping tax rate: 10%
Shipping cost: 15 USD
Handling cost: 5 USD
Shipping tax amount = 10% *(15+5)=2 USD

Discount

Klarna enables merchants to specify a discount amount that can be assigned to specific items (item level) and/or to the cart total.

Example

Item 1 price: 250 USD
Item 1 discount: 20 USD
Cart discount: 30 USD
Total amount: 250-20-30=200 USD

Tax Calculation

Klarna enables merchants to specify tax rates that can be assigned to specific items (item level) and/or to the total amount (cart level). These rates can be different than the tax rate on shipping and handling costs. Taxes are calculated after discounts are applied.

Formulas

Item tax amount = item tax rate * (item amount – item discount)

Total tax amount = total tax rate * (Ʃ (quantity * [item amount – item discount + item tax amount]) – cart discount)

Example

Price: 250 USD
Discount: 50 USD
Tax rate: 10%
Total tax: 10% * (250-50)=20 USD