Attributes

• METHOD TYPEBNPL
• PAYMENTS
• PAYOUTS
• REFUNDS
• RECURRING

Introduction

Klarna is a global payment platform that empowers shoppers and retail partners with seamless, flexible, and customer-centric payment solutions. It allows customers to pay immediately, in installments, or later, all while supporting local currencies for a hassle-free experience. With a focus on simplicity, convenience, and innovation, Klarna transforms how people shop and pay worldwide.

Payment Options

Klarna offers the following payment options:

• Pay Now, with direct payments – Accepts all direct payments for a fast, convenient checkout. For information about integrating Klarna Pay Now, see the separate Klarna Pay Now APM guide.
• Buy Now, Pay Later – Defers payment to 14 or 30 days after buying.
• Pay In N – Splits payment into several interest-free installments spread over a relative short amount of time, typically less than 60 days. The two most-common variations are Pay in 4 and Pay in 3.
• Financing – Offer long-term, monthly payments for larger purchases. Available in 6-, 12-, 18-, and 24-month terms.

On-Site Messaging

Nuvei supports Klarna’s On-site messaging solution, which enables merchants to add tailored messaging that informs customers about available Klarna payment options as they browse the merchant’s online store, even before they decide to buy.

Merchants integrate Klarna’s On-site messaging separately from their Nuvei integration. For instructions, see the On-site messaging section of the Klarna Docs website.

Supported Countries

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

Supported Currencies

• DKK
• EUR
• GBP
• NOK
• SEK
• USD

Payment (Deposit) Flow

Flows available for Klarna are the default Auth-Settle flow and the Sale flow, which support the following Klarna payment options:

• Buy Now, Pay Later
• Pay In N
• Financing

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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>"
}

{
    "internalRequestId": 1751631155157,
    "status": "SUCCESS",
    "errCode": 0,
    "reason": "",
    "merchantId": "5634436935940029474",
    "merchantSiteId": "242181",
    "version": "1.0",
    "clientRequestId": "20250704151234",
    "sessionToken": "1d4669e1b8204ac8a6ff223697230dd10111",
    "clientUniqueId": "20180327175242",
    "orderId": "128398111",
    "userTokenId": "TeoBizum5",
    "paymentOption": {
        "redirectUrl": "https://webapp-apm-globalpay-api-qa.nuvei.com/Home?PaymentToken=283E28F3A763A5FD3614F1E858FB0822.3000050744",
        "userPaymentOptionId": "2304622111",
        "card": {}
    },
    "transactionStatus": "REDIRECT"
}

{
"merchantId": "{{merchantId}}",
"merchantSiteId": "{{merchantSiteId}}",
"clientRequestId": "{{clientRequestId}}",
"amount": "10",
"currency": "USD",
"relatedTransactionId": "2610000000000308441", //transactionmainid
"timeStamp":"{{timestamp}}",
"checksum":"{{checksum}}"
}

{
    "internalRequestId": 1751632683004,
    "status": "SUCCESS",
    "errCode": 0,
    "reason": "",
    "merchantId": "5634436935940029474",
    "merchantSiteId": "242181",
    "version": "1.0",
    "clientRequestId": "20250704153803",
    "transactionId": "2610000000000308453",
    "externalTransactionId": "",
    "paymentMethodErrorCode":0,
      "paymentMethodErrorReason": "",
    "gwErrorCode": 0,
    "gwErrorReason": "",
    "transactionStatus": "APPROVED",
    "orderId": "128398111"
}

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

The user experience, including the payment options offered, vary according to country and merchant.

1. The user is redirected to the Klarna page.
   
   
2. The user confirms the payment.
   

Payment Test Data

The following test data is required from the customer on the provider page.

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