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HomePaymentsAdd payment methodsBuy now, pay laterKlarna

Accept a Klarna payment

Learn how to accept Klarna, a global buy now, pay later payment method.

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Unified line items with Klarna

To optimize approval rates when you integrate with Klarna, include line_items data to represent what’s in a shopper’s cart. For early access, see Payments line items.

Caution

Stripe automatically presents your customers payment method options by evaluating their currency, payment method restrictions, and other parameters. We recommend that you configure your payment methods from the Stripe Dashboard using the instructions in Accept a payment.

If you want to continue manually configuring the payment methods you present to your customers with Checkout, use this guide. Otherwise, update your integration to configure payment methods in the Dashboard.

Klarna is a single use, immediate notification payment method that requires customers to authenticate their payment. Customers are redirected to a Klarna page, where they select among multiple payment options (immediate full payment, payment in installments, or deferred payment). When the customer accepts the terms, Klarna guarantees that the funds are available to the customer and transfers the funds to your Stripe account. The customer repays Klarna according to their selected payment option.

Note

Before you start the integration, make sure your account is eligible for Klarna by navigating to your Payment methods settings.

Determine compatibility

Supported business locations: AT, BE, DE, DK, ES, FI, GB, IE, IT, NL, NO, SE, US, FR, CZ, RO, EE, GR, LV, LT, SK, SI, HR, LU, CY, MT, AU, NZ, CA, PL, PT, CH

Supported currencies: eur, dkk, gbp, nok, sek, usd, czk, ron, aud, nzd, cad, pln, chf

Presentment currencies: eur, dkk, gbp, nok, sek, usd, czk, ron, aud, nzd, cad, pln, chf

Payment mode: Yes

Setup mode: No

Subscription mode: Contact us

A Checkout Session must satisfy all of the following conditions to support Klarna payments:

  • Prices for all line items must be in the same currency. If you have line items in different currencies, create separate Checkout Sessions for each currency.

Private preview

To create recurring or off-session payments with Klarna, sign up for the private preview.

Accept a payment

Note

Build an integration to accept a payment with Checkout before using this guide.

Use this guide to learn how to enable Klarna—it shows the differences between accepting a card payment and using Klarna.

Enable Klarna as a payment method

When creating a new Checkout Session, you need to:

  1. Add klarna to the list of payment_method_types
  2. Make sure all your line_items use the same currency.
Ruby
Stripe::Checkout::Session.create({ mode: 'payment', payment_method_types: ['card'], payment_method_types: ['card', 'klarna'], line_items: [{ price_data: { currency: 'usd', # To accept `klarna`, all line items must have currency: eur, dkk, gbp, nok, sek, usd, czk, ron, aud, nzd, cad, pln, chf currency: 'eur', product_data: { name: 'T-shirt', }, unit_amount: 2000, }, quantity: 1, }], success_url: 'https://example.com/success', cancel_url: 'https://example.com/cancel', })

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Test your integration

When testing your Checkout integration, select Klarna as the payment method and click the Pay button. In testing environments, you can then simulate different outcomes within Klarna’s redirect.

Below, we have specially selected test data for the currently supported customer countries. In a sandbox, Klarna approves or denies a transaction based on the supplied email address.

ApprovedDenied
Date of Birth10-07-197003-05-1994
First NameTestJohn
Last NamePerson-ausnow
StreetWharf StSilverwater Rd
House number41-5
Postal Code48772128
CityPort DouglasSilverwater
RegionQLDNSW
Phone+61473752244+61473763254
Emailcustomer@email.aucustomer+denied@email.au

For production testing, you can use an amount of 3500 in your local currency to test all Klarna payment options besides Financing. For example, if you want to test “Pay in 3” in Italy, you can use a transaction of 35.00 EUR.

Two-step authentication

Any six digit number is a valid two-step authentication code. Use 999999 for authentication to fail.

Repayment method

Inside the Klarna flow, you can use the following test values to try various repayment types:

TypeValue
Direct DebitDE11520513735120710131
Bank transferDemo Bank
Credit Card
  • Number: 4111 1111 1111 1111
  • CVV: 123
  • Expiration: any valid date in the future
Debit Card
  • Number: 4012 8888 8888 1881
  • CVV: 123
  • Expiration: any valid date in the future

Handle refunds and disputes

Learn more about Klarna disputes and refunds.

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