# Klarna Recurring Note For guest checkout integrations after March 2026, please refer to [Klarna](/access/products/apms/klarna). This previous version of Klarna is for recurring integrations (and for guest checkout integrations existing before March 2026). In this case, the recurring functionality allows you to save a token which represents your customer's data and use this across multiple requests to Klarna. Klarna is a "Buy Now, Pay Later" payment method allowing your customer to pay in installments. Note Make yourself familiar with our [API principles](/access/products/reference/api-principles) to ensure a resilient integration. details summary Product overview #### Capabilities * defer payment by 30 days * spread the cost over a period of up to 36 months (with financing) * pay the full amount immediately with "Pay Now" for card, local domestic or local bank transfer payments * spread the cost over three (four in some markets) equal interest-free installments Klarna manages the relationship and collection of future installment payments directly with your customer. You receive full funding upfront and are protected from the risk of unpaid installments. #### Brand and marketing guidelines Follow the link for the latest guidelines from [Klarna](https://docs.klarna.com/marketing/solutions/grab-and-go/). #### Feature summary | Payment type | Countries | Recurring | Reversals | Partial reversals | Disputes | Auth only | | --- | --- | --- | --- | --- | --- | --- | | Pay Now, Pay in Parts, Pay Later, Financing | AT,BE,FI,DE,NL,NO,ES,SE,CH | ✅ | ✅ | Partial refund - yesPartial cancel - no | Handled directly via Klarna. We will deduct the funds if the dispute is lost. | ✅ | Note Refunds are completed through Klarna to your customer's account within 365 days and you can submit multiple partial refunds for one payment. #### Acceptance currencies | Currency | Currency codes | | --- | --- | | Czech Koruna | CZK | | Danish Krone | DKK | | Euro | EUR | | Norwegian Krone | NOK | | Polish Złoty | PLN | | Pound Sterling | GBP | | Swedish Krona | SEK | | Swiss Franc | CHF | ## Get started Use our [API reference](/access/products/apms/openapi) and set your headers. ## Request `POST` `https://try.access.worldpay.com/apmPayments` ### Example request Recurring Token Guest ```json { "transactionReference": "Memory265-13/08/1876", "orderReference": "apm-order-12345", "merchant": { "entity": "default" }, "instruction": { "method": "klarna", "value": { "amount": 2468, "currency": "GBP" }, "narrative": { "line1": "MindPalace" }, "paymentInstrument": { "type": "direct", "country": "GB", "language": "en", "billingAddress": { "address1": "221B Baker Street", "address2": "Marylebone", "address3": "Westminster", "postalCode": "NW1 6XE", "city": "London", "state": "Greater London", "countryCode": "GB" } }, "resultUrls": { "cancel": "https://worldpay.com/cancel", "failure": "https://worldpay.com/failure", "pending": "https://worldpay.com/pending", "success": "https://worldpay.com/success" }, "shipping": { "method": "registered box", "timeFrame": "normal", "firstName": "James", "lastName": "Moriarty", "phone": "00000000000", "email": "test@email.com", "address": { "address1": "221B Baker Street", "address2": "Marylebone", "address3": "Westminster", "postalCode": "NW1 6XE", "city": "London", "state": "Greater London", "countryCode": "GB" } }, "customer": { "firstName": "James", "lastName": "Moriarty", "email": "moriarty@example.com", "phone": "00000000000", "dateOfBirth": "1999-01-01" }, "order": { "orderTotalTaxAmount": 0, "termsUrl": "https://example.com", "items": [ { "type": "physical", "productCode": "fff1223", "name": "Red Hat", "quantity": 1, "unitOfMeasure": "per unit", "unitCost": 1234, "taxRate": 1, "totalTaxAmount": 0, "totalAmount": 1234, "totalDiscountAmount": 0, "productUrl": "https://example.com", "imageUrl": "https://example.com" }, { "type": "physical", "productCode": "fff1256", "name": "Blue Hat", "quantity": 1, "unitOfMeasure": "per unit", "unitCost": 1234, "taxRate": 1, "totalTaxAmount": 0, "totalAmount": 1234, "totalDiscountAmount": 0, "productUrl": "https://example.com", "imageUrl": "https://example.com" } ] } } } ``` Information You must settle the payment, using next action links, when using Klarna with a token. ### Parameters Recommendation We suggest you provide the `cancelURL`,`failureURL`, `pendingURL` and `successURL` attribute to redirect your customer to, once you have received the payment result. ## Response ### Example response Recurring response ```json { "paymentId": "uK9Oh5zz4yKhGuFofhhnC056-K6qn-w8Krt2pRT2oSzwh_KRcHUrrs1qJtQso9gjgJ_wwjT869eMBB_T4PM4D6HdjtgfjDBh7htEkjHxp4Q_KzkRIENkZoejad--FtjVrMslJn1mvz4mwr-TuKlP9ZAhBEzSApkfhL__fXCo-vMkR1a2Zrj_R8rGSgu6m2Wd", "lastEvent": "pending", "_links": { "self": { "href": "https://try.access.worldpay.com/apmPayments/uK9Oh5zz4yKhGuFofhhnC056-K6qn-w8Krt2pRT2oSzwh_KRcHUrrs1qJtQso9gjgJ_wwjT869eMBB_T4PM4D6HdjtgfjDBh7htEkjHxp4Q_KzkRIENkZoejad--FtjVrMslJn1mvz4mwr-TuKlP9ZAhBEzSApkfhL__fXCo-vMkR1a2Zrj_R8rGSgu6m2Wd" } }, "_actions": {}, "redirect": "https://secure-test.worldpay.com/jsp/test/shopper/APMSTSimulator.jsp?customerRef=3417843726&paymentMethod=KLARNA_PAYNOW&country=DE", "paymentInstrument": { "method": "klarna", "type": "klarna/token" }, "commandId": "cmdEy5vwB0krLe9eMwAcE66c0" } ``` Token response ```json { "paymentId": "uK9Oh5zz4yKhGuFofhhnC056-K6qn-w8Krt2pRT2oSzwh_KRcHUrrs1qJtQso9gjgJ_wwjT869eMBB_T4PM4D6HdjtgfjDBh7htEkjHxp4Q_KzkRIENkZoejad--FtjVrMslJn1mvz4mwr-TuKlP9ZAhBEzSApkfhL__fXCo-vMkR1a2Zrj_R8rGSgu6m2Wd", "lastEvent": "authorized", "_links": { "self": { "href": "https://try.access.worldpay.com/apmPayments/uK9Oh5zz4yKhGuFofhhnC056-K6qn-w8Krt2pRT2oSzwh_KRcHUrrs1qJtQso9gjgJ_wwjT869eMBB_T4PM4D6HdjtgfjDBh7htEkjHxp4Q_KzkRIENkZoejad--FtjVrMslJn1mvz4mwr-TuKlP9ZAhBEzSApkfhL__fXCo-vMkR1a2Zrj_R8rGSgu6m2Wd" } }, "_actions": {}, "redirect": "", "paymentInstrument": { "method": "klarna", "type": "klarna/token", "tokenId": "11c03afa-3449-14fd-997e-55510cf01f27", "country": "DE", "productType": "payLater" }, "commandId": "cmdEy5vwB0krLe9eMwAcE66c0" } ``` Guest response ```json { "paymentId": "uK9Oh5zz4yKhGuFofhhnC056-K6qn-w8Krt2pRT2oSzwh_KRcHUrrs1qJtQso9gjgJ_wwjT869eMBB_T4PM4D6HdjtgfjDBh7htEkjHxp4Q_KzkRIENkZoejad--FtjVrMslJn1mvz4mwr-TuKlP9ZAhBEzSApkfhL__fXCo-vMkR1a2Zrj_R8rGSgu6m2Wd", "lastEvent": "pending", "_links": { "self": { "href": "https://try.access.worldpay.com/apmPayments/uK9Oh5zz4yKhGuFofhhnC056-K6qn-w8Krt2pRT2oSzwh_KRcHUrrs1qJtQso9gjgJ_wwjT869eMBB_T4PM4D6HdjtgfjDBh7htEkjHxp4Q_KzkRIENkZoejad--FtjVrMslJn1mvz4mwr-TuKlP9ZAhBEzSApkfhL__fXCo-vMkR1a2Zrj_R8rGSgu6m2Wd" } }, "_actions": {}, "redirect": "https://secure-test.worldpay.com/jsp/test/shopper/APMSTSimulator.jsp?customerRef=3417843726&paymentMethod=KLARNA_PAYNOW&country=DE", "paymentInstrument": { "method": "klarna", "type": "direct" }, "commandId": "cmdEy5vwB0krLe9eMwAcE66c0" } ``` Error response ```json { "errorName": "bodyDoesNotMatchSchema", "message": "The json body provided does not match the expected schema", "validationErrors": [ { "errorName": "fieldHasInvalidValue", "message": "Field is mandatory", "jsonPath": "$.instruction.value.amount" } ] } ``` ### Schema #### Errors Check out our API reference for [more responses or error codes](/access/products/apms/openapi/other/payment#other/payment/response&c=400). **Next steps** [Manage your Klarna (recurring) payment](/access/products/apms/manage/)