Klarna

Overview - Klarna

Klarna is an innovative financial company, which has been offering easy-to-use payment solutions and factoring since 2005. Klarna takes over the credit and fraud risk for both merchants and customers throughout the payment process. Klarna's payment services are easy to use and work seamlessly across borders.

Klarna offers the following payment options:

Pay Now: Consumers can pay securely at checkout via online bank transfer (Sofort), direct debit or credit card.

Pay Later: Consumers can pay via invoice.

Financing: Consumers can pay in fixed or flexible installments and disperse the expenditures in time.

Merchants can decide which of the three payment methods should be enabled for them depending on preferences and business characteristics.

Activation - Klarna

To activate Klarna as a payment method and to add it to your PayEngine Merchant Center, you need to complete the onboarding journey.

Please provide our support with the following information:

• Klarna MerchantID
• Username
• password
• Privacy Policy URL
• Terms URL

Customer Experience - Klarna

In the Payengine Widget, the following screens represent the selection of the payment method and the bank:

Step	Description	Image
1	Select Klarna.
2	Choose Payment Method - Pay Now, Pay Later or Financing
3A	For Pay Now - Choose whether to pay via online bank transfer, direct debit or card. Click Buy and proceed with the required inputs.
3B	For Pay Later - Click Buy and proceed with the required inputs.
3C	For Financing - Click Buy and proceed with the required inputs.
4	Enter your birth date and click Continue. A success or failure notification will appear.

PayEngine Details - Klarna

General

Supported Features and Services

*Debit (auto-capture) can be enabled only through a request to the Concardis sales and integration team. The Debit function is suitable only for digital merchants that deliver intangible goods. Merchants that deliver physical goods do not need to enable the Debit option.

Integration Types

Integration via API - Klarna

Technical Flow

Webhook and Email Notifications

At the time of the redirect, it is still uncertain whether a transaction will be completed successfully or not. Therefore, Payengine awaits for the final asynchronous notification before the status of a DEBIT/PREAUTH transaction is changed from PENDING to SUCCESS or FAILURE.

A merchant should register for Payengine's notifications to receive this final status update.

Alternatively, a GET request on the order or DEBIT/PREAUTH transaction would also work, but it is not ensured that the final status will be available immediately after the redirect and a merchant might have to query the GET multiple times.

Therefore, it is strongly recommended that Payengine's asynchronous notifications are used instead.

Merchants could receive notifications via URL (webhook) or email.

The notifications could be subscribed:

• via the payengine API (link to API documentation)
• via the Payengine Merchant Center (link to Merchant Center notifications documentation)

Specifications - Klarna

Prerequisites for Authorizing Transactions

Customer

The specific request parameters for creating Customer objects are different when the end-user is an individual (B2C cases) or an organization (B2B cases).

Customer in B2C cases

Customer in B2B cases

Billing/Shipping Address

Payment Instrument

Create Payment Instrument - Request Parameters

Patch Payment Instrument - Request Parameters

Input Parameters for Authorizing Transactions

Samples

Create Payment Instrument

POST/{{publicApiUrl}}/v1/payment-instruments

{
		"type": "klarna",
		"payment": {
			"customer": "customer_mp1kteeeue",

{
			"createdAt": 1576840775113,
			"modifiedAt": 1576840775113,
			"paymentInstrumentId": "paymentinstrument_4n1ujwpg6r",

Patch Payment Instrument

PATCH/{{publicApiUrl}}/v1/payment-instruments/{{paymentInstrumentId}}

{
		"country": "DE",
		"currency": "EUR",
		"locale": "de-DE",

{
		"createdAt": 1575885954240,
		"modifiedAt": 1575885975744,
		"paymentInstrumentId": "paymentinstrument_thqjrcznkf",

Preauth transaction

POST/{{publicApiUrl}}/v1/orders/preauth

{
		"terms": 1468590412476,
		"privacy": 1468590412476,
		"description": "test transaction",

{
		"createdAt": 1578570948538,
		"modifiedAt": 1578570948578,
		"merchantId": "merchant_8f8guamnjm",

Capture transaction

POST/{{publicApiUrl}}/v1/orders/{{orderId}}/transactions/{{preauthTransactionId}}/capture

{
		"description": "description for transaction.",
		"initialAmount": 21420,
		"currency": "EUR"

{
		"createdAt": 1576835696771,
		"modifiedAt": 1576835696782,
		"type": "CAPTURE",

Cancel transaction

POST/{{publicApiUrl}}/v1/orders/{{orderId}}/transactions/{{TransactionId}}/cancel

{
		"description": "description for transaction.",
		"currency": "EUR",
		"initialAmount": 21325

{
		"createdAt": 1576835715983,
		"modifiedAt": 1576835715983,
		"type": "CANCEL",

Debit transaction

POST/{{publicApiUrl}}/v1/orders/debit

{
			"terms": 1468590412476,
			"privacy": 1468590412476,
			"description": "35269",

{
		"createdAt": 1578573299716,
		"modifiedAt": 1578573299797,
		"merchantId": "merchant_8f8guamnjm",

Refund transaction

POST/{{publicApiUrl}}/v1/orders/{{orderId}}/transactions/{{TransactionId}}/refund

{
		"description": "description for transaction.",
		"currency": "EUR",
		"initialAmount": 42745

{
		"createdAt": 1578574599583,
		"modifiedAt": 1578574599583,
		"type": "REFUND",

Testing

The testing of the three Klarna payment options can be executed via the Klarna Sandbox.

The Klarna Sandbox is a self-contained virtual testing environment that mimics the live Klarna production environment.

Instructions on how to access the Klarna testing environment can be found here.