Information on the Klarna payment method.


This payment method will be available soon. Please reach out via our Live Chat feature if you have any questions

Klarna allows the customer to shop online or in-store and to pay later. It gives flexible payment options, making it easier for them to shop. Klarna’s payment options include direct payments, pay after delivery options and installment plans, that allow consumers to pay when and how they prefer to. When your customers choose to pay with a Klarna payment option, Klarna collects the payment from the buyer whenever he chooses to pay, whether that be in 30 days, 3 or even 36 months.

Regardless of when the buyer pays, you always get paid 14 days after the completion of the purchase, with Klarna assuming all the credit and fraud risk.

User Experience

At the checkout, the customer selects Klarna as their preferred payment method:

Klarna - User Journey - 1

The customer is redirected to the Klarna checkout page to select a payment option before clicking ‘Continue’:

Klarna - User Journey - 2

The customer is then prompted to enter their phone number:

Klarna - User Journey - 3

The customer then confirms their phone number via SMS confirmation code:

Klarna - User Journey - 4

The customer is then taken back to the Klarna checkout page:

Klarna - User Journey - 5

After clicking ‘Place Order’, the customer selects their Klarna payment method:

Klarna - User Journey - 6

The customer can then review and finalise their order on the next page:

Klarna - User Journey - 7


Merchants do not need to have an account with Klarna

How to enable Klarna

Merchants can only enable Klarna on their own from their Viva Wallet account interface. To enable Klarna, please follow the procedure below:

  1. Sign in to your production Viva Wallet account .

  2. Click on Settings > API Access and scroll down to the Klarna (Payment Method) section.

  3. Click on the Enable Klarna as a payment method button:

    Enable Klarna as a payment method

  4. Klarna will be activated and a Klarna ID allocated to you:

    Klarna enabled as a payment method

  5. If you would like to disable Klarna, click on Disable Klarna as a payment method button

Merchant Categories

There are some merchant categories that are not eligible to have Klarna enabled. If your business is in one of these categories, you will not be able to accept payments through Klarna:

Merchant Category (MCC) Description
3000-3350 Airlines
3501-3999 Lodging
4111 Transportation–Suburban and Local Commuter Passenger, including Ferries
4112 Passenger Railways
4131 Bus Lines
4411 Cruise Lines
4722 Travel Agencies and Tour Operators
4816 Computer Network/Information Services
4829 Wire Transfer Money Orders (V, D, G, X) Money Transfer (M)
5094 Precious Stones and Metals, Watches and Jewelry
5122 Drugs, Drug Proprietors and Druggists Sundries
5499 Miscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines
5815 Digital Goods: Books, Movies, Music
5816 Digital Goods: Games
5817 Digital Goods: Applications (Excludes Games)
5818 Digital Goods: Large Digital Goods Merchant (V) Digital Goods: Multi-Category (M)
5912 Drug Stores and Pharmacies
5932 Antique Shops–Sales, Repairs and Restoration Services
5933 Pawn Shops
5944 Clock, Jewelry, Watch and Silverware Stores
5966 Direct Marketing–Outbound Telemarketing Merchants
5967 Direct Marketing–Inbound Telemarketing Merchants
5969 Direct Marketing–Other Direct Marketers–Not Elsewhere Classified
5971 Art Dealers and Galleries
5993 Cigar Stores and Stands
6051 Quasi Cash–Merchant
6211 Securities–Brokers and Dealers
7011 Lodging–Hotels, Motels, Resorts–not elsewhere classified
7012 Timeshares
7273 Dating Services
7322 Debt Collection agencies
7512 Automobile Rental Agency–Not Elsewhere Classified
7841 VD/Video Tape Rental Stores
7922 Theatrical Producers (Except Motion Pictures), Ticket Agencies
7995 Gambling Transactions Betting (Sportsbook, fantasy, social gaming; when regulated and not covered by other MCCs) (D)
8398 Organizations, Charitable and Social Service
8651 Organizations, Political
8734 Testing Laboratories (Non-Medical)

Smart Checkout supports Klarna straight out of the box with no configuration required.

Marketing activities

Merchants are expected to perform the marketing activities below:

Activity Detail Frequency Resources & Specifications
To be completed by all Integration Merchants:
Tech integration
(for online)
Klarna logo and payment method badges displayed at least on par with others throughout website (including, but not limited to, footer, homepage, product display page, cart/basket page,checkout and other consumer touchpoints) Always on developers.klarna.com
Approved Assets (logos, widgets, Payment Method Display and any other available asset (the “Klarna Assets”)) applicable to the countries and products covered by the Klarna Scheme Rules shall be used.
The Klarna Assets shall always be rendered dynamically at every page load using the iframe assets of Klarna’s On-Site Messaging platform or Content Delivery Network.

Landing page Klarna landing page (including or linking to Klarna FAQ’s) Always on Integration Merchant to provide a landing page where shoppers can learn more about Klarna payment option(s).
Klarna Assets shall be dynamically rendered at every page load using the iframe assets of Klarna’s On-Site Messaging platform.

Site Banner Klarna launch banner on homepage During at least the first month after launch developers.klarna.com
Klarna Assets shall be dynamically rendered at every page load using the iframe assets of Klarna’s On-Site Messaging platform.

On-site Messaging Product display page: Klarna promotional banner Always on
If the Integration Merchant can demonstrate a materially negative impact as a result of this functionality, it may be removed after six months.
Klarna Assets shall be dynamically rendered at every page load using the iframe assets of Klarna’s On-Site Messaging platform.

Basket/cart page: Klarna promotional banner
(when offering Klarna in-store)
In-store messaging Always on Klarna availability shall be promoted throughout store locations with assets such as flyers, table tents, posters and window stickers.
Staff training With support from Klarna, the Integration Merchant provides education to store associates to ensure shoppers are correctly and accurately informed of the Klarna Payment Methods.

Payment method icon

If desired, you can download and use this icon on your site or online store, in order to show customers you offer Klarna as a payment method:

Payment Method Icon - Klarna

Get Support

If you would like to integrate with Viva Wallet, or if you have any queries about our products and solutions, please see our Get Support page to see how we can help!