Klarna

Table of Content

• Introduction
• User Experience
• Details
• How to enable Klarna
• Merchant Categories
• Marketing activities
• Get Support

Introduction

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.

• Flexibility: You can enjoy the flexibility to get what you want and pay over time
• Easy to use: There is no need for the merchant to have an account with Klarna
• Availability: Klarna is available in several European countries and tends to widen
• Increased conversions: It delivers frictionless checkout by eliminating the need for card details when shopping, increasing conversions by giving shoppers a better way to pay

User Experience

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

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

The customer is then prompted to enter their phone number:

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

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

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

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

Details

• Payment method type: Synchronous - payments are confirmed immediately
• Refunds: Supports partial and full refunds
• Recurring payments: Not yet supported
• Pre-authorizations: Not yet supported
• Restricted MCC: Some Merchant Categories are not eligible to have Klarna enabled
• Μerchant countries: Available for merchants registered in Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Netherlands, Poland, Portugal, Spain, Sweden & United Kingdom
• Customer countries: Available to customers in Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Netherlands, Poland, Portugal, Spain, Sweden & United Kingdom
• Pricing: Please refer to our pricing page under the main navigation for more information
• Settlement: Regardless of when the customer pays, you always get paid 14 days after the completion of the purchase, with Klarna assuming all of the credit and fraud risk
• Cross-currency payments: Not yet supported
• Additional notes: Klarna is not available through Quick Pay or for payment orders with the disableWallet parameter set to ‘true‘

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:
   
   
   

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

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:

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. Example:
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). developers.klarna.com Klarna Assets shall be dynamically rendered at every page load using the iframe assets of Klarna’s On-Site Messaging platform. Example:
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. Example:
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.	developers.klarna.com Klarna Assets shall be dynamically rendered at every page load using the iframe assets of Klarna’s On-Site Messaging platform. Example:
	Basket/cart page: Klarna promotional banner
In-store (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.

Get Support

If you have any questions about our solutions, or questions about how to integrate with our solutions, please refer to our Get Support page.