Klarna is a flexible online payment method that lets customers pay now, in 30 days (Pay Later 30), or in 3 interest-free installments. It also offers financing. Customers are only charged for the items they keep from the order. Klarna bears the risk and guarantees settlement.
|Countries||Austria, Belgium, Denmark, Finland, France, Germany, Italy, Norway, Portugal, Spain, Sweden, Switzerland, The Netherlands, UK
(US not supported)
|Currencies||EUR, GBP, SEK, NOK, DKK|
|Refunds||Full, partial, and API refunds, discounts|
|Transactions expire after||1 hour|
|Addresses||The customer’s billing and shipping addresses must be the same.|
Due to changes to the Wet op het consumentenkrediet, merchants who apply surcharges to pay later methods are now deemed credit providers under article 7:57 of the Burgerlijk Wetboek. This requires a permit from the Authority for Financial Markets (AFM).
We therefore strongly recommend not applying surcharges.
For more information, see Klarna – Welk bedrag kan ik maximaal doorberekenen aan mijn klant?
This diagram shows the flow for a successful transaction. Click to magnify.
Order status: Changes as the customer’s order with you progresses towards shipment (independent of payment)
Transaction status: Changes as the funds progress towards settlement in your MultiSafepay balance
For more information, see Payment statuses.
|Payments||Order status||Transaction status|
|The customer has been redirected to Klarna.
You can still cancel with Klarna using the reservation number.
|Klarna has authorized the transaction and the funds are awaiting capture.
(You can no longer cancel; you can only refund.)
|Important: To capture the funds, manually change the order status to Shipped.||Shipped||Uncleared|
|MultiSafepay has collected payment.||Shipped||Completed|
|The transaction expired after 1 hour or you didn’t change the order status to Shipped within 28 days.
See Handling expired orders.
|Klarna authorized the transaction, but either you or the customer cancelled it before capture.||Void||Void|
|Klarna declined the transaction.
Only the customer can contact Klarna to find out why (for privacy and compliance reasons).
For merchant support, email [email protected]
For every transaction, Klarna generates two reference numbers:
Both reference numbers appear in the Transaction details page in your dashboard.
When you ship the order, you must manually change the order status from Completed to Shipped, which:
In your dashboard
In your backend
If you change the order status in your backend, the following ready-made integrations pass the updated status to your dashboard automatically:
For other ready-made integrations, make an update order API request.
Note: Some third-party plugins may not support updating the status via our API.
If you cannot ship the order within 28 days, you can extend the time period for up to 180 days in segments.
If the order is not captured during this time, the order and transaction status change to Expired.
If a customer’s return takes too long to verify, you can pauze the collection period for 2-4 weeks.
Call Klarna on +31 208082853 or email Klarna Sales at [email protected]
Orders may expire if you don’t change the order status to Shipped within 28 days.
You can send the customer a payment link from the existing order or a new order.
A dispute is when you and a customer disagree about an order:
Klarna provides support for resolving disputes. For a step-by-step overview, see Klarna – How to handle disputes at Klarna.
The easiest way to handle disputes is using the Disputes app in the Klarna Merchant Portal.
You’ll receive an email from Klarna inviting you to activate your portal account. The link expires within 7 days and is only usable once.
If your link has expired or you haven’t received an email, email [email protected]
Note: If viewing orders in the portal, you must still manually change the order status to Shipped to trigger the invoicing process and receive payment.
If you want to increase the security of your Klarna Merchant Portal, set up two-factor authentication with the Google Authenticator app.
To sign up to use the Disputes app, follow these steps:
Klarna will send you an email when the first dispute appears in the app.
Using the Disputes app
The side menu contains three pre-set filters to view:
See Klarna – Disputes App in Merchant Portal for detailed information on:
|Checkout options||Payment pages (current version only)|
|Testing||Test payment details|
|API||Create order > Pay later order
Examples > Klarna direct/redirect
|Ready-made integrations||Supported in all ready-made integrations (redirect).|
When paying with a gift card and Klarna, customers must enter the gift card details before placing their order, i.e. on your checkout page.
This is because Klarna collects and require precise order specifications. Our platform would interpret the gift card as a discount and generate incorrect order information, e.g. tax calculations.
You are solely responsible for this in your integration.
Klarna makes your ecommerce platform available in their merchant portal, where your credentials are generated. Use your credentials to configure the Klarna gateway for your MultiSafepay account.
For questions about your Klarna integration and the connection with your MultiSafepay account, email [email protected]
If you receive a
code:BAD_VALUE, Bad value: order_lines.reference error from Klarna, try using shorter SKU numbers, e.g. fewer than 9 characters.
Under Brand information, you can set up and manage your brand including:
For support, see Klarna - Klantenservice.