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OverviewUpgrade your integration
Online payments
OverviewFind your use caseUse Managed Payments
Payment methods
Payment interfaces
Payment scenarios
In-person payments
Beyond payments

Accept a Klarna payment

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

Accepting Klarna in your app consists of displaying a webview for a customer to authenticate their payment. The customer then returns to your app, and you can immediately confirm whether the payment succeeded or failed.

Note

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

Set up Stripe
Server-side
Client-side

First, you need a Stripe account. Register now.

Server-side

This integration requires endpoints on your server that talk to the Stripe API. Use the official libraries for access to the Stripe API from your server:

Command Line
Ruby
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# Available as a gem
sudo gem install stripe
Gemfile
Ruby
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# If you use bundler, you can add this line to your Gemfile
gem 'stripe'

Client-side

The Stripe Android SDK is open source and fully documented.

To install the SDK, add stripe-android to the dependencies block of your app/build.gradle file:

build.gradle.kts
Kotlin
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plugins {
    id("com.android.application")
}

android { ... }

dependencies {
  // ...

  // Stripe Android SDK
  implementation("com.stripe:stripe-android:21.27.0")
  // Include the financial connections SDK to support US bank account as a payment method
  implementation("com.stripe:financial-connections:21.27.0")
}

Note

For details on the latest SDK release and past versions, see the Releases page on GitHub. To receive notifications when a new release is published, watch releases for the repository.

Configure the SDK with your Stripe publishable key so that it can make requests to the Stripe API, such as in your Application subclass:

Kotlin
Java
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import com.stripe.android.PaymentConfiguration

class MyApp : Application() {
    override fun onCreate() {
        super.onCreate()
        PaymentConfiguration.init(
            applicationContext,
            
"pk_test_TYooMQauvdEDq54NiTphI7jx"

        )
    }
}

Note

Use your test keys while you test and develop, and your live mode keys when you publish your app.

Stripe samples also use OkHttp and GSON to make HTTP requests to a server.

Create a PaymentIntent
Server-side
Client-side

A PaymentIntent is an object that represents your intent to collect payment from a customer and tracks the lifecycle of the payment process through each stage.

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
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curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "payment_method_types[]"=klarna \
  -d amount=1099 \
  -d currency=eur

Client-side

Included in the returned PaymentIntent is a client secret, which the client side can use to securely complete the payment process instead of passing the entire PaymentIntent object. On the client, request a PaymentIntent from your server and store its client secret.

Kotlin
Java
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class KlarnaPaymentActivity: AppCompatActivity() {
    private lateinit var paymentIntentClientSecret: String

    override fun onCreate(savedInstanceState: Bundle?) {
        // ...
        startCheckout()
    }


    private fun startCheckout() {
        // Request a PaymentIntent from your server and store its client secret
    }
}

Submit the payment to Stripe
Client-side

Retrieve the client secret from the PaymentIntent you created in step 2 and call the PaymentLauncher confirm method. This presents a webview where the customer can complete the payment. Afterwards, onActivityResult is called with the result of the payment.

Kotlin
Java
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class KlarnaPaymentActivity : AppCompatActivity() {
    // ...
    private lateinit var paymentIntentClientSecret: String
    private val paymentLauncher: PaymentLauncher by lazy {
        val paymentConfiguration = PaymentConfiguration.getInstance(applicationContext)
        PaymentLauncher.Companion.create(
            this,
            paymentConfiguration.publishableKey,
            paymentConfiguration.stripeAccountId,
            ::onPaymentResult
        )
    }

    private fun startCheckout() {
        // ...

        val confirmParams = ConfirmPaymentIntentParams
            .createWithPaymentMethodCreateParams(
                paymentMethodCreateParams = paymentMethodCreateParams,
                clientSecret = paymentIntentClientSecret,
                shipping = shippingDetails
            )
        paymentLauncher.confirm(confirmParams)
    }

    private fun onPaymentResult(paymentResult: PaymentResult) {
        when (paymentResult) {
            is PaymentResult.Completed -> {
                // show success UI
            }
            is PaymentResult.Canceled -> {
                // handle cancel flow
            }
            is PaymentResult.Failed -> {
                // handle failures
                // (for example, the customer may need to choose a new payment
                // method)
            }
        }
    }
}

Test Klarna integration

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

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

OptionalSeparate authorization and capture

Klarna supports separate authorization and capture. If there’s a delay between the payment and delivering the goods to your customer, authorize the payment first and capture it later. At the point of capture, Klarna sends a statement to the customer and initiates the due dates on any subsequent payments that they must make. An authorized Klarna payment must be captured within 28 days of the authorization. Otherwise, the authorization automatically cancels and you can no longer capture the payment.

  1. Tell Stripe to authorize only

    To indicate that you want separate authorization and capture, set capture_method to manual when creating the PaymentIntent. This parameter instructs Stripe to only authorize the amount on the customer’s Klarna account.

    Command Line
    cURL
    Stripe CLI
    Ruby
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    No results
    curl https://api.stripe.com/v1/payment_intents \
  -u "
    sk_test_BQokikJOvBiI2HlWgH4olfQ2
    :"     \
  -d "payment_method_types[]"=klarna \
  -d amount=1099 \
  -d currency=eur \
  -d capture_method=manual

  2. Capture the funds

    After the authorization succeeds, the PaymentIntent status transitions to requires_capture. To capture the authorized funds, make a PaymentIntent capture request. The total authorized amount is captured by default—you can’t capture more than this, but you can capture less.

    Command Line
    cURL
    Stripe CLI
    Ruby
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    No results
    curl https://api.stripe.com/v1/payment_intents/
    {{PAYMENT_INTENT_ID}}
    /capture     \
  -u "
    sk_test_BQokikJOvBiI2HlWgH4olfQ2
    :"     \
  -d amount_to_capture=750

  3. Optional Cancel the authorization

    Klarna counts any authorized payments against the customer’s total purchasing power within Klarna. Make sure that you actively cancel any authorized payments that you can’t fulfill (for example, the goods can’t be shipped) as soon as this becomes apparent.

    Command Line
    cURL
    Stripe CLI
    Ruby
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    No results
    curl https://api.stripe.com/v1/payment_intents/
    {{PAYMENT_INTENT_ID}}
    /cancel     \
  -u "
    sk_test_BQokikJOvBiI2HlWgH4olfQ2
    :"     \
  -d cancellation_reason=abandoned

OptionalHandle post-payment events

Stripe sends a payment_intent.succeeded event when the payment completes. Use the Dashboard, a custom webhook, or a partner solution to receive these events and run actions, like sending an order confirmation email to your customer, logging the sale in a database, or starting a shipping workflow.

Listen for these events rather than waiting on a callback from the client. On the client, the customer could close the browser window or quit the app before the callback executes, and malicious clients could manipulate the response. Setting up your integration to listen for asynchronous events also helps you accept more payment methods in the future. Learn about the differences between all supported payment methods.

  • Handle events manually in the Dashboard

    Use the Dashboard to View your test payments in the Dashboard, send email receipts, handle payouts, or retry failed payments.

  • Build a custom webhook

    Build a custom webhook handler to listen for events and build custom asynchronous payment flows. Test and debug your webhook integration locally with the Stripe CLI.

  • Integrate a prebuilt app

    Handle common business events, such as automation or marketing and sales, by integrating a partner application.

OptionalCustomize the Klarna payment page

  • Prefill the Klarna form

    When the customer chooses to pay Klarna with a deferred payment option (pay later, installments, and financing), Klarna collects enough information for risk assessment and approval. The type of information depends on the country of the customer. For most countries in Europe, it’s the full billing details and date of birth. You can pass this information through the API, and the form will be prefilled when your customer arrives on the page.

    Command Line
    cURL
    Stripe CLI
    Ruby
    Python
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    Java
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    No results
    curl https://api.stripe.com/v1/payment_intents \
  -u "
    sk_test_BQokikJOvBiI2HlWgH4olfQ2
    :"     \
  -d "payment_method_types[]"=klarna \
  -d amount=1099 \
  -d currency=eur \
  -d confirm=true \
  --data-urlencode return_url="https://example.com/checkout/complete" \
  -d "payment_method_data[type]"=klarna \
  --data-urlencode "payment_method_data[billing_details][email]"="customer@example.com" \
  -d "payment_method_data[billing_details][name]"="Jenny Rosen" \
  --data-urlencode "payment_method_data[billing_details][phone]"="+4915142321555" \
  -d "payment_method_data[billing_details][address][line1]"="Alexanderplatz 1" \
  -d "payment_method_data[billing_details][address][city]"=Berlin \
  -d "payment_method_data[billing_details][address][postal_code]"=10551 \
  -d "payment_method_data[billing_details][address][country]"=DE \
  -d "payment_method_data[klarna][dob][day]"=10 \
  -d "payment_method_data[klarna][dob][month]"=10 \
  -d "payment_method_data[klarna][dob][year]"=1990
    Screenshot of a Klarna payment page prefilled with billing details from the API and customized to render in English

    A Klarna payment page prefilled with billing details from the API and customized to render in English for a customer in Germany

OptionalAdd line items to the PaymentIntent

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.

Failed payments

Klarna takes into account multiple factors when deciding to accept or decline a transaction (for example, length of time buyer has been using Klarna, outstanding amount customer has to repay, value of the current order).

When the customer selects a deferred payment method, Klarna performs a risk assessment before accepting the transaction. Klarna might decline the transaction due to unsatisfactory risk assessment result, the transaction amount involved, or the customer having a large outstanding debt. As such, we recommend that you present additional payment options such as card in your checkout flow. In these cases, the PaymentMethod is detached and the PaymentIntent object’s status automatically transitions to requires_payment_method.

Customers are expected to complete the payment within 48 hours after they’re redirected to the Klarna site. If no action is taken after 48 hours, the PaymentMethod is detached and the PaymentIntent object’s status automatically transitions from requires_action to requires_payment_method.

In these cases, inform your customer to try again with a different payment option presented in your checkout flow.

Klarna rate limits

API requests to Klarna are subject to additional rate limits beyond Stripe’s API-wide rate limits. These limits can differ depending on the shape of the API requests that you make. In general, if you make more than 50 requests per second, you might see rate limiting in the form of responses with HTTP status code 400 or 402. Contact us if you’re concerned that your usage might reach these levels, because Klarna might be able to increase these limits on a case-by-case basis.

Error messaging

Failed Klarna payments normally return one of the following failure codes. These codes show in the last_payment_error API object.

Caution

Before the 2023-08-16 API version, every Klarna error reported as payment_intent_authentication_failure. Make sure your API version is up to date to see the detailed errors listed below.

Failure codeExplanation
payment_method_customer_declineThe customer cancelled the checkout on Klarna’s page
payment_method_provider_declineKlarna declined the customer’s payment
payment_intent_payment_attempt_expiredThe customer never completed the checkout on Klarna’s page, and the payment session has expired
payment_method_not_availableAn unexpected error occurred when trying to use Klarna
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