Klarna

Klarna is a "Buy Now, Pay Later" payment method allowing your customer to pay in installments.

The simplest integration option.

Your customer is redirected from your site to Klarna’s hosted payment page to complete their payment.

You create a Klarna order using our APMs API, which returns a URL for the Klarna payment page that you redirect your customer to. After the transaction is completed, your customer is automatically redirected back to your site. You receive the payment confirmation asynchronously from us.

On completion of the payment journey, your customer receives a payment receipt from Klarna.

1. Your customer chooses Klarna as their payment method.
   
2. They log into Klarna (or create an account).
   
3. Your customer chooses how they would like to pay (options differ per market).
   
4. They set their funding source.
   
5. Your customer confirms the payment.
   
6. Klarna confirms that the payment is successful and returns your customer to your checkout confirmation page.
   

Requires additional development effort but provides an optimized customer experience, as the entire payment process takes place within your site using Klarna’s Web SDK.

With this fully integrated checkout flow, you can dynamically display Klarna’s branding, payment descriptors, and personalized messaging on your checkout pages.

You can present the Klarna payment page in a pop-up box over your website, allowing your customer to complete payment without a full-page redirect (although this is still possible if you wish).

Klarna provides two options for integration:

• Option 1: Klarna Web SDK + our APMs API
  You embed Klarna’s Web SDK directly into your checkout page. You create the request with our APMs API and the response is used to initialize the Klarna SDK, which then displays the payment interface on your site. You receive the payment confirmation asynchronously from us.
  

• Option 2: Klarna Web SDK + Klarna API/webhooks + our APMs API
  You embed Klarna’s Web SDK in your checkout page and integrate with Klarna’s API and webhooks. You create and manage the Klarna session directly with Klarna through server-side calls. As a final step, you provide the “Klarna Network Session Token” as the providerToken to the APMs API to complete the payment.
  
  

1. Your customer reviews all available payment methods on your checkout page. Klarna is presented with dynamic text.
   
2. They select Klarna and are presented with an illustration of a possible split. The Pay button is dynamically updated to “Pay with Klarna”.
   
3. Your customer logs into Klarna (or creates an account). They choose how they would like to pay (options differ per market).
   
4. Your customer sets their funding source.
   
5. They confirm the payment.
   
6. Klarna confirms that the payment is successful and returns your customer to your checkout confirmation page.
   

Depending on your business type or the goods you sell, you may need to provide additional transaction details, such as order line items, subscription information, or mandatory industry-specific attributes.

Providing “supplementary purchase data” with Klarna offers greater context for each transaction, increasing their underwriting accuracy and strengthening their fraud assessment. The more information you share, the better your customers' experience and the greater the chances of increased acceptance rates and enhanced fraud prevention.

You have the option to provide supplementary purchase data in two formats:

• Option 1: You can pass specific data fields individually as structured elements within the payment request.
  
• Option 2: Klarna data - You can include all necessary information encapsulated as a JSON string within the passthroughData field, using Klarna’s “Klarna Network Data for Acquiring Partners" schema.
  

You can also combine the two options, e.g. sending “line items” as structured data while using “Klarna network data” for specific details like event information.

You can see examples of the types of industry-specific transaction details that we support below. The "Guest" example demonstrates option 1, while the industry-specific examples demonstrate the use of Klarna data outlined in option 2.

Please note that if the same object is provided in both formats, Klarna prioritizes using “Klarna network data” for risk assessment purposes, while the structured “line items” are displayed to your customer during the Klarna purchase flow.

Use our API reference and set your headers.

POST https://try.access.worldpay.com/apmPayments

{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "apm-order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "klarna_network",
    "value": {
      "amount": 2110,
      "currency": "GBP"
    },
    "narrative": {
      "line1": "MindPalace"
    },
    "providerToken": "krn:network:eu1:live:session-token:eyJhbGciOiJFUzI1NiIsImtpZCI6ImNkYzM2MDFhLTBlODQtNDdjZi05ZGMwLWJjNzAxZjNkNDE2OCJ9.ewogICJwYXltZW50X3JlcXVlc3RzIiA6IFsgewogICAgImlkIiA6ICJrcm46cGF5bWVudDpldTE6cmVxdWVzdDo1MGI3NDhkZS05ZDIwLTljZWEtODVhMi1hNjZiNzFhY2JiMDMiLAogICAgInN0YXRlIiA6ICJDT01QTEVURUQiLAogICAgImFtb3VudCIgOiAxNTAwLAogICAgImN1cnJlbmN5IiA6ICJFVVIiLAogICAgImxhc3RfbW9kaWZpZWRfYXQiIDogIjIwMjYtMDQtMTNUMDc6NDk6MTYuNDYxMDQ1NTcxWiIKICB9IF0sCiAgImV4cCIgOiAxNzc2MDcwMTg2Cn0.q1xa-C_yToTpsaHyxBNfg0acp0zg6w_zpMiJOeVC3xnomwVA3SFtF0Y8Pw9J6mEBVUCOeEOh7674IzoBIvtbjQ",
    "paymentInstrument": {
      "type": "direct",
      "country": "GB",
      "billingAddress": {
        "firstName": "James",
        "lastName": "Moriarty",
        "phone": "00000000000",
        "address1": "Marylebone",
        "address2": "Westminster",
        "postalCode": "NW1 6XE",
        "city": "London",
        "state": "Greater London",
        "countryCode": "GB"
      }
    },
    "settlement": {
      "auto": true
    },
    "resultUrls": {
      "cancel": "https://worldpay.com/cancel",
      "failure": "https://worldpay.com/failure",
      "pending": "https://worldpay.com/pending",
      "success": "https://worldpay.com/success"
    },
    "shipping": {
      "method": "physicalToDoor",
      "timeFrame": "express",
      "courier": {
        "name": "DHL",
        "preference": "leaveAtDoor",
        "signature": true,
        "tracked": true,
        "identification": true
      },
      "firstName": "Mike",
      "lastName": "Shipping",
      "phone": "0123456789",
      "email": "mike.shipping@email.com",
      "address": {
        "address1": "Worldpay",
        "address2": "270-289 The Science Park",
        "postalCode": "CB4 0WE",
        "city": "Cambridgeshire",
        "state": "Cambridgeshire",
        "countryCode": "GB"
      }
    },
    "order": {
      "items": [
        {
          "productCode": "DH12-HK",
          "name": "Panaphonics DH12-HK & Accessories",
          "quantity": 1,
          "unitCost": 12000,
          "totalTaxAmount": 12000,
          "totalAmount": 2000,
          "productUrl": "http://www.merchanturl.com/products/f2ytrdmn",
          "imageUrl": "http://www.merchanturl.com/products/f2ytrdmn_small.jpg"
        },
        {
          "productCode": "PPSD256",
          "name": "Panaphonics SD Card 256GB",
          "quantity": 2,
          "unitCost": 2400,
          "totalTaxAmount": 800,
          "totalAmount": 4800,
          "productUrl": "http://www.merchanturl.com/products/f2a8d7e34",
          "imageUrl": "http://www.merchanturl.com/products/f2a8d7e34_small.jpg"
        }
      ]
    }
  }
}

{
  "paymentInstrument": {
    "method": "klarna_network",
    "type": "direct"
  },
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdCRSkT0a4UjAkBr16y36rhHD8i3MfeowBaRA60gR5WdTem66NOYspir3PJsMwGsI7JUSNUzNfcyYf:9A8ONjOcqG6UxedN+MVzWk3lOYs4HS580KRMMNREpmBeBMSEX5ykio0WGxZ:7eYQxnPFsTnA:7:SEfTDcAZofBDiAWAe+s8H9:TD3hQpRcoIM3I9mxkgdPhXDL2OFpFf7pNzE4GPA9QEPQrIYQg:q3eZ7ziTPGD:iOAJXRIEuMq+GdkYs3SWlTzbiGM76:BcqQDY0BAUI9GaFhKLR:b0g9SIKK71Rk9YpTLeiVSfZMnt+9116oW2VHgWW6AoAt202XuJ0AU7aToTM6HDqlAkiOs66Po3TBIlIqmMW0DQb44taw0DeEnQ==",
  "lastEvent": "pending",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdCRSkT0a4UjAkBr16y36rhHD8i3MfeowBaRA60gR5WdTem66NOYspir3PJsMwGsI7JUSNUzNfcyYf:9A8ONjOcqG6UxedN+MVzWk3lOYs4HS580KRMMNREpmBeBMSEX5ykio0WGxZ:7eYQxnPFsTnA:7:SEfTDcAZofBDiAWAe+s8H9:TD3hQpRcoIM3I9mxkgdPhXDL2OFpFf7pNzE4GPA9QEPQrIYQg:q3eZ7ziTPGD:iOAJXRIEuMq+GdkYs3SWlTzbiGM76:BcqQDY0BAUI9GaFhKLR:b0g9SIKK71Rk9YpTLeiVSfZMnt+9116oW2VHgWW6AoAt202XuJ0AU7aToTM6HDqlAkiOs66Po3TBIlIqmMW0DQb44taw0DeEnQ=="
    }
  },
  "_actions": {},
  "redirect": "https://secure-test.worldpay.com/jsp/test/shopper/APMSTSimulator.jsp?customerRef=3501456267&paymentMethod=KLARNA_NETWORK",
  "commandId": "cmdF3buj-w58hiyu4I-QZqZi0"
}

Check out our API reference for more responses or error codes.

To simulate payment outcomes and trigger webhooks in our Try environment you can send a request prompting our simulator.

You receive a redirect link to our simulator where you can choose different payment outcomes:

You can also send requests to settlement or reversal endpoints to test the following statuses:

• sentForSettlement
• sentForRefund

Next steps

Manage your Klarna payment