Klarna

Information on the Klarna payment method for online payments.

• Introduction
• User Experience
  • Screenshots
  • Videos
• Details
• How to activate Klarna
• Merchant Categories
• Marketing activities
• Testing Klarna
• Payment method messaging
• 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.

Some of the main benefits of offering Klarna as a payment method are:

• Increased sales: Achieve 40% higher average order value on Klarna purchases, 20% increase in conversion and 45% increase in purchase frequency
• Large customer base: There are 150 million Klarna shoppers, with 69% shopper growth year-over-year
• Significant payment volume: 2 million Klarna transactions per day across 45 countries
• Extensive customer reach: 205 million monthly impressions on social media, 30+ million consumers impacted weekly
• Competitiveness: Offer innovative payment options and be unique among your competitors
• Consumer flexibility: You can provide customers with the flexibility to pay when and how they like
• Consumer trust: Attract consumers who may not have made their purchase at all if Klarna was not an option, especially when buying for the first time from a merchant
• Get started quickly: There is no need for the merchant to have an account with Klarna

User Experience

Screenshots

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:

Videos

Please also see our videos below, outlining the desktop and mobile use of Klarna:

Desktop:

Mobile:

Details

• How to activate: Please refer to the How to activate section below. Please note: Activation of this payment method is instant. Once activated, merchants will immediately be able to accept payments via Klarna
• 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 activated
• Μerchant countries: Available for merchants registered in Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Poland, Portugal, Spain, Sweden & United Kingdom
• Customer countries: Available to customers in Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, 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 (i.e. regardless of the payment method used, e.g. Financing, Pay in 3, Pay in 4, Pay in 30 days), you always get paid the full amount of the purchase 11 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 disableExactAmount parameter set to ‘true‘

How to activate Klarna

Merchants can only activate Klarna on their own from their Viva Wallet account interface. To activate 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 deactivate Klarna, click on the Disable Klarna as a payment method button:
   
   
   

Merchant Categories

There are some merchant categories that are not eligible to have Klarna activated. 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	docs.klarna.com/on-site-messaging 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). docs.klarna.com/on-site-messaging 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	docs.klarna.com/on-site-messaging 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.	docs.klarna.com/on-site-messaging 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.

Testing Klarna

In order to test Klarna functionality in the demo environment, please see our Klarna testing information.

Payment method messaging

It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values. Please see our payment method messaging guide for more details on why and where we would recommend adding this information to your site.

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:

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!