Klarna (for POS)

Information on the Klarna (for POS) payment method.


Klarna (for POS) allows you to generate a Klarna QR code natively within your POS terminal. You can then present this QR code for your customers to scan with their mobile device, where they can complete the payment easily and securely.

User Experience


On the POS terminal, the merchant selects (1) the QR code payment option > (2) the Klarna payment method.

The Klarna QR code (3) is then displayed:

Klarna (for POS) - User Journey - 1

The customer then uses their mobile device to scan the QR code:

Klarna (for POS) - User Journey - 2

The customer is redirected to a Klarna-hosted page to provide details, review and complete their payment:

Klarna (for POS) - User Journey - 3

Once the customer has completed the payment on their device, a confirmation message is shown on the POS terminal:

Klarna (for POS) - User Journey - 4


Please also see our videos below, outlining the POS use of Klarna:

PAX terminal:

POS app:


Merchants do not need to have an account with Klarna

How to enable Klarna (for POS)

Merchants can only enable Klarna (for POS) on their own from their Viva Wallet account interface. To enable Klarna (for POS), 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

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

    Klarna enabled as a payment method

Merchant Categories

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

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)

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 (for POS) 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!