Klarna supplementary purchase dataÖffentliche Vorschau

Supplementary purchase data adds context to a transaction to improve payment outcomes and customer support. Use it to send industry-specific details for verticals such as events, transportation, marketplaces, and insurance.

When to use supplementary purchase data

Use supplementary purchase data if you operate in a supported vertical and want to improve your payment outcomes with Klarna.

The supplementary data shared with Klarna supports these use cases:

• Post-purchase transparency: Provide detailed transaction breakdowns for your customers in the Klarna app, streamline disputes and returns, and reduce support requests.
• Higher acceptance rates: Historical data informs underwriting and can increase approvals for legitimate transactions.
• Enhanced fraud assessment: Detailed transaction insights support more effective fraud investigations, especially in high-risk segments.
• Risk exposure monitoring: Transaction data supports continuous monitoring and timely mitigation.
• Enhanced solution offerings: Based on historical behavior, Klarna can develop enhanced solutions for incentives and actions that benefit you and your customers.

Limitations

Keep these limits in mind:

• No fee changes: Passing supplementary purchase data doesn’t impact the fees you pay for Klarna transactions. Your pricing remains the same whether or not you provide this data.
• No validation feedback: Stripe and Klarna accept well-formed supplementary purchase data but don’t provide feedback on whether the specific data you send qualifies for improved outcomes.

Measure impact

Track your Klarna authorization rates over time in your payment analytics. After you implement supplementary purchase data, you might see more successful authorizations, though the impact varies based on your transaction patterns and the data you provide.

Availability

Supplementary purchase data is available exclusively for Klarna payments and supports the following industry verticals:

• Events (concerts, festivals, sports, conferences)
• Insurance (standalone insurance policies)
• Vouchers (gift cards, discount codes)
• Train transportation
• Bus transportation
• Ferry transportation
• Organized trips and tours
• Marketplace sellers

Send supplementary purchase data

You send Klarna-specific supplementary purchase data through the payment_method_options.klarna.supplementary_purchase_data parameter when you create, update, or confirm a PaymentIntent.

The supplementary_purchase_data hash contains an array of hashes for each vertical. Klarna processes all entries in these arrays for risk assessment. You can send multiple verticals in a single request.

Example: Create a PaymentIntent with voucher data

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=10000 \
  -d currency=eur \
  -d "payment_method_types[0]"=klarna \
  -d "payment_method_options[klarna][supplementary_purchase_data][vouchers][0][voucher_name]"="Holiday Gift Card"

Example: Create a PaymentIntent with multiple verticals

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=15000 \
  -d currency=eur \
  -d "payment_method_types[0]"=klarna \
  -d "payment_method_options[klarna][supplementary_purchase_data][vouchers][0][voucher_name]"="Gift Card" \
  -d "payment_method_options[klarna][supplementary_purchase_data][insurances][0][insurance_type]"=cancelation \
  -d "payment_method_options[klarna][supplementary_purchase_data][insurances][0][price]"=2000 \
  -d "payment_method_options[klarna][supplementary_purchase_data][insurances][0][currency]"=EUR

Vertical data formats

The following tabs describe the hashes for the supported verticals:

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=5000 \
  -d currency=usd \
  -d "payment_method_types[0]"=klarna \
  -d "payment_method_options[klarna][supplementary_purchase_data][insurances][0][insurance_type]"=medical \
  -d "payment_method_options[klarna][supplementary_purchase_data][insurances][0][insurance_company_name]"="Global Medical Insurance" \
  -d "payment_method_options[klarna][supplementary_purchase_data][insurances][0][price]"=5000 \
  -d "payment_method_options[klarna][supplementary_purchase_data][insurances][0][currency]"=USD

Update and remove supplementary purchase data

Use the update or confirm method to modify or remove supplementary purchase data.

Full replacement of verticals

When you update a vertical’s array, the new data completely replaces the existing data for that vertical. For example, if a PaymentIntent has 2 vouchers and you send an update with 1 voucher, the result is 1 voucher (not 3).

Create a PaymentIntent with 2 vouchers:

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=10000 \
  -d currency=eur \
  -d "payment_method_types[0]"=klarna \
  -d "payment_method_options[klarna][supplementary_purchase_data][vouchers][0][voucher_name]"="First Voucher" \
  -d "payment_method_options[klarna][supplementary_purchase_data][vouchers][1][voucher_name]"="Second Voucher"

Update the PaymentIntent with one voucher to replace the existing two vouchers:

curl https://api.stripe.com/v1/payment_intents/
{{PAYMENT_INTENT_ID}} \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "payment_method_options[klarna][supplementary_purchase_data][vouchers][0][voucher_name]"="Replacement Voucher"

The PaymentIntent now has only one voucher.

Preserve existing data

Verticals excluded in an update request remain unchanged. For example, you can add train data without affecting existing vouchers or insurances:

curl https://api.stripe.com/v1/payment_intents/
{{PAYMENT_INTENT_ID}} \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "payment_method_options[klarna][supplementary_purchase_data][train_reservation_details][0][carrier_name]"=Eurotrains \
  -d "payment_method_options[klarna][supplementary_purchase_data][train_reservation_details][0][ticket_class]"=business \
  -d "payment_method_options[klarna][supplementary_purchase_data][train_reservation_details][0][price]"=8500 \
  -d "payment_method_options[klarna][supplementary_purchase_data][train_reservation_details][0][currency]"=EUR

The PaymentIntent retains existing vouchers and insurances, and adds the train reservation.

Unset a specific vertical

To unset all data for a specific vertical while preserving other verticals, set the vertical to an empty string. This removes the vertical from the PaymentIntent.

curl https://api.stripe.com/v1/payment_intents/
{{PAYMENT_INTENT_ID}} \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "payment_method_options[klarna][supplementary_purchase_data][insurances]"=

Unset all supplementary purchase data

To unset all supplementary purchase data from a PaymentIntent, set the entire supplementary_purchase_data parameter to an empty string:

curl https://api.stripe.com/v1/payment_intents/
{{PAYMENT_INTENT_ID}} \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d "payment_method_options[klarna][supplementary_purchase_data]"=