Klarna

Klarna allows the consumer to purchase a product and then be billed for it afterward.

Klarna offers the following payment options:
Invoice–Allows a shopper who receives a Klarna bill to pay the balance after delivery.
Card installments–Allows a partial payment at approval and the balance to be collected later at specific times at 0%.
Pay later in parts or Financing–Allows the shopper to finance the order at an interest-bearing installment plan.
Financing orders reduce cart abandonment and improve conversions at a higher average order value. There are unique display and entry requirements for each country. Please contact your Digital River Representative for more details.
Create a Klarna payment method for your app or website in five easy steps:
​Build a Klarna source request object​
​Create a Klarna source using DigitalRiver.js​
​Authorize the Klarna source​
​Use the Authorized source​
​Support recurring payments​
Step 1. Build a Klarna source request object
Important: The Klarna payment type does not support recurring payments. For recurring payments, you must use the klarnaCreditRecurring payment type.
A Klarna source request object requires the following fields.
Klarna source request object
Field
Value
type
klarnaCredit
amount
The total value of the transaction.
currency
The currency of the transaction.
owner
An Owner object.
klarnaCredit
 A Klarna Source Details object that includes the details of the transaction.
Klarna source details object
The Klarna source details object requires the following fields.
{
    "returnUrl": "https://redirectUrl.com",
    "cancelUrl": "https://cancelurl.com",
    "items": [{
        "name": "Digital River Office Productivity for Students (Subscription)",
        "quantity": 1,
        "unitAmount": 99.99,
        "category": "digital",
        "sku": "SKU123",
        "productUrl": "https://myproduct.com",
        "imageUrl": "https://someimage.com",
        "taxRate": 0.10
    }, {
        "name": "Digital River Head Phones",
        "quantity": 1,
        "unitAmount": 97.49,
        "category": "physical",
        "sku": "SKU1234",
        "productUrl": "https://myproduct.com",
        "imageUrl": "https://someimage.com",
        "taxRate": 0.10
    }],
    "locale": "en_US",
    "discountAmount": 10,
    "taxAmount": 15.24,
    "shippingAmount": 5,
    "shipping": {
        "recipient": "John Doe",
        "email": "jdoe@yahoo.com",
        "phoneNumber": "5559895326",
        "address": {
            "line1": "10380 Bren Road West",
            "line2": null,
            "city": "Minnetonka",
            "state": "MN",
            "country": "US",
            "postalCode": "55343"
        }
    },
    "accountId": "testaccount1",
    "accountCreatedDate": "2019-11-11",
    "accountUpdatedDate": "2019-11-12",
    "hasPaidBefore": true,
    "subscriptionDescription": "New Sub",
    "subscriptionStartDate": "2019-12-10",
    "subscriptionEndDate": "2020-12-12",
    "autoRenewal": true,
    "affiliateName": "Merchant1"
}
Field
Required/Optional
Description
returnUrl
Required
If you choose to utilize the full redirect flow, this is where your Customer will be redirected to after authorizing within the Klarna experience.
cancelUrl
Required
If you choose to utilize the full redirect flow, this is where your Customer will be redirected to after cancelling within the Klarna experience.
items
Required
 An array of Klarna Item objects.
locale
Optional
A locale used to localize the experience within Klarna. If not provided, the language will be selected based on the Owner country.
discountAmount
Optional
The amount of order level discount.
taxAmount
Required
The value of the total tax amount of the transaction.
shippingAmount
Optional
The value of the total shipping amount of the transaction.
shipping
Optional
 A Klarna Shipping Information Object.
accountId
Optional
An upstream identifier of the Customer.
accountCreatedDate
Optional
The date when the Customer's account was created. Provided in YYYY-MM-DD format.
accountUpdatedDate
Optional
The date when the Customer's account was last updated. Provided in YYYY-MM-DD format.
hasPaidBefore
Optional
Whether the Customer has paid previously.
subscriptionDescription
Optional
A description of the subscription.
subscriptionStartDate
Optional
The date when the subscription will start. Provided in YYYY-MM-DD format.
subscriptionEndDate
Optional
The date when the subscription will end. Provided in YYYY-MM-DD format.
autoRenewal
Optional
Whether the subscription will automatically renew.
affiliateName
Optional
An identifier of an affiliate marketing program.
Klarna item object
{
    "name": "Cell Phone (Unlocked)",
    "quantity": 1,
    "unitAmount": 100,
    "category": "digital",
    "sku": "SKU123",
    "productUrl": "https://myproduct.com",
    "imageUrl": "https://someimage.com",
    "taxRate": 0.10,
    "discountAmount": 1
}
Field
Required/Optional
Description
Notes
name
Required
The name of the item that will be displayed on the Klarna authorize screen.
​
quantity
Required
The quantity of the item that will be displayed on the Klarna authorize screen.
​
unitAmount
Required
The sale price amount of the item.
​
category
Optional
The category of the item. Options are: physical or digital.
This field is highly encouraged to increase conversion.
sku
Optional
The SKU identifier of the item.
This field is highly encouraged to increase conversion.
productUrl
Optional
The URL to the product details page of the item.
This field is highly encouraged to increase conversion.
imageUrl
Optional
The URL of an image that will be displayed in the Klarna authorize screen.
This field is highly encouraged to increase conversion.taxRate
taxRate
Required
The tax rate used to calculate the unitAmount. The value for tax-inclusive price must be a non-0 number, and the value for tax-exclusive pricing will be 0. This should be represented as a decimal value.
​
Klarna shipping information object
{
    "recipient": "John Doe",
    "phoneNumber": "555-555-1212",
    "address": {
        "line1": "10380 Bren Road West.",
        "line2": "null",
        "city": "Minnetonka",
        "state": "MN",
        "country": "US",
        "postalCode": "55341",
        "country": "US"      
    }
​
Field
Required/Optional
Description
recipient
Required
The full name of the person receiving the shipment.
phoneNumber
Required
The phone number of the person receiving the shipment.
address
Required
A Klarna Shipping Address object, which contains the Shipping Address of the person receiving the shipment.
Klarna shipping address object
{
    "line1": "54321 Fake St.",
    "line2": "Apt. 3C",
    "city": "Minnetonka",
    "state": "MN",
    "postalCode": "55341"
    "country": "US"
}
Field
Required/Optional
Description
line1
Required
The first line of the Customer's billing address.
line2
Required
The second line of the Customer's billing address.
city
Required
The name of the city associated with the Customer's billing address.
state
Required
The state/country/province/region associated with the Customer's billing address.
postalCode
Required
The ZIP or postal code associated with the Customer's billing address.
country
Required
The two-letter country code associated with the Customer's billing address.
Step 2. Create a Klarna source using DigitalRiver.js
To create a Klarna payment source, you must use the createSource method exposed via DigitalRiver.js.
var data = {
  "type" : "klarnaCredit",
  "owner" : {
    "firstName" : "firstName",
    "lastName" : "lastName",
    "email" : "email@email.org",
    "phoneNumber" : "9522253720",
    "address" : {
      "line1" : "line1",
      "line2" : "line2",
      "city" : "Minnetonka",
      "state" : "MN",
      "country" : "US",
      "postalCode" : "55410"
    }
  },
  "sessionId" : "3aa75613-9596-438a-9604-67e20016aa96",
  "klarnaCredit" : {
    "returnUrl" : "http://example.org/return",
    "cancelUrl" : "http://example.org/cancel"
  }
}
 
  
digitalriver.createSource(data).then(function(result) {
    if (result.error) {
        //handle errors
    } else {
        var source = result.source;
        //send source to back end
        sendToBackend(source);
    }
});
Klarna source example
{
    "clientId": "gc",
    "channelId": "drdod15",
    "liveMode": false,
    "id": "231fa002-3831-4ded-9705-4a455df2697b",
    "clientSecret": "231fa002-3831-4ded-9705-4a455df2697b_3341d8c6-e66b-43a5-af4b-c623459b44af",
    "type": "klarnaCredit",
    "reusable": false,
    "owner": {
        "firstName": "John",
        "lastName": "Doe",
        "email": "jdoe@yahoo.com",
        "phoneNumber": "5559895326",
        "address": {
            "line1": "10380 Bren Road West",
            "line2": "",
            "city": "Minnetonka",
            "state": "MN",
            "country": "US",
            "postalCode": "55343"
        }
    },
    "amount": "210.50",
    "currency": "USD",
    "state": "pending_redirect",
    "creationIp": "10.81.3.92",
    "createdTime": "2020-02-27T01:10:57.513Z",
    "updatedTime": "2020-02-27T01:10:57.513Z",
    "flow": "redirect",
    "redirect": {
        "redirectUrl": "https://api.digitalriverws.com:443/payments/redirects/bca8a56b-7afb-4670-891c-313630ef748e?apiKey=pk_hc_e03ee62c0d964bb3ac75595b1203d13c",
        "returnUrl": "https://yourdomain.com?paymentAction=success",
        "cancelUrl": "https://yourdomain.com?paymentAction=failure"
    },
    "klarnaCredit": {
        "shipping": {
            "recipient": "John Doe",
            "phoneNumber": "5559895326",
            "address": {
                "line1": "10380 Bren Road West",
                "city": "Minnetonka",
                "state": "MN",
                "country": "US",
                "postalCode": "55343"
            },
            "email": "jdoe@yahoo.com"
        },
        "token": "63449012720000000000000534937705"
    }
}
Step 3. Authorize the Klarna source
When you create a Klarna source, the customer is required to authorize the charge through Klarna. You can accomplish this by redirecting the customer to Klarna, where they will be presented with different payment options.
Redirecting the customer to Klarna for authorization
To redirect your customer to Klarna for authorization, use the redirectUrl parameter in your createSource response.
HTML
HTML
window.location.href = sourceResponse.redirect.redirectUrl;
At Klarna, the customer will be presented with the transaction details where they can authorize or cancel the transaction. If the authorization is successful, the customer will be redirected to the returnUrl parameter you specified when creating the source. If the customer cancels, they will be returned to the cancelURL parameter you specified when creating the source.
Step 4. Use the authorized source
Once authorized, you can use the source by attaching it to a checkout.​
Attach the source to a checkout
POST /checkouts/{id}
POST /checkouts/{id}
{
  "customerId": "5774321008",
  "sourceId": "src_a78cfeae-f7ae-4719-8e1c-d05ec04e4d37"
}
Step 5. Support recurring payments
Note: To support recurring payments, use a payment type of klarnaCreditRecurring in the createSource request. Only use the Klarna Recurring payment type for recurring payments. Klarna Recurring uses a different type of agreement with the lender, Klarna, to facilitate the recurring payments.
For standard payments, you must use the Klarna payment type.
Field
Value
type
klarnaCreditRecurring
amount
klarnaCreditRecurring
currency
The currency of the transaction.
owner
An Owner object.
klarnaCreditRecurring
A Klarna Source Details object that includes the details of the transaction.
Klarna recurring source example
var data = {
  "type" : "klarnaCreditRecurring",
  "owner" : {
    "firstName" : "firstName",
    "lastName" : "lastName",
    "email" : "email@email.org",
    "phoneNumber" : "9522253720",
    "address" : {
      "line1" : "line1",
      "line2" : "line2",
      "city" : "Minnetonka",
      "state" : "MN",
      "country" : "US",
      "postalCode" : "55410"
    }
  },
  "sessionId" : "3aa75613-9596-438a-9604-67e20016aa96",
  "klarnaCreditRecurring" : {
    "returnUrl" : "http://example.org/return",
    "cancelUrl" : "http://example.org/cancel"
  }
}
 
  
digitalriver.createSource(data).then(function(result) {
    if (result.error) {
        //handle errors
    } else {
        var source = result.source;
        //send source to back end
        sendToBackend(source);
    }
});
Additional setup required: If you are interested in using Klarna, contact your Account Manager. The Account Manager will send set up instructions for Klarna Banners after you sign the client addendum.
Supported geographies
Supported Country
Payment Method Type
Currency
Minimum Order Amount
Maximum Order Amount
Austria
Pay Later (Invoice)
EUR
0.1
10,000
Austria
Financing
EUR
0.1
10,000
Denmark
Pay Later (Invoice)
DKK
1
20,000
Denmark
Financing
DKK
1
20,000
Finland
Pay Later (Invoice)
EUR
0.1
3,000
Finland
Financing
EUR
0.1
3,000
Germany
Pay Later (Invoice)
EUR
0.1
1,500
Germany
Financing
EUR
0.1
1,500
Netherlands
Pay Later (Invoice)
EUR
0.1
1,500
Norway
Pay Later (Invoice)
NOK
1
75,000
Norway
Financing
NOK
1
75,000
Sweden
Pay Later (Invoice)
SEK
1
100,000
Sweden
Financing
SEK
1
100,000
United Kingdom
Slice It in 3
GBP
35
800
United Kingdom
Pay Later (Invoice)
GBP
35
600
United States
Slice It in 4
USD
35
1,000

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Last updated 1 week ago

Field	Value
type	klarnaCredit
amount	The total value of the transaction.
currency	The currency of the transaction.
owner	An Owner object.
klarnaCredit	A Klarna Source Details object that includes the details of the transaction.

Field	Required/Optional	Description
returnUrl	Required	If you choose to utilize the full redirect flow, this is where your Customer will be redirected to after authorizing within the Klarna experience.
cancelUrl	Required	If you choose to utilize the full redirect flow, this is where your Customer will be redirected to after cancelling within the Klarna experience.
items	Required	An array of Klarna Item objects.
locale	Optional	A locale used to localize the experience within Klarna. If not provided, the language will be selected based on the Owner country.
discountAmount	Optional	The amount of order level discount.
taxAmount	Required	The value of the total tax amount of the transaction.
shippingAmount	Optional	The value of the total shipping amount of the transaction.
shipping	Optional	A Klarna Shipping Information Object.
accountId	Optional	An upstream identifier of the Customer.
accountCreatedDate	Optional	The date when the Customer's account was created. Provided in YYYY-MM-DD format.
accountUpdatedDate	Optional	The date when the Customer's account was last updated. Provided in YYYY-MM-DD format.
hasPaidBefore	Optional	Whether the Customer has paid previously.
subscriptionDescription	Optional	A description of the subscription.
subscriptionStartDate	Optional	The date when the subscription will start. Provided in YYYY-MM-DD format.
subscriptionEndDate	Optional	The date when the subscription will end. Provided in YYYY-MM-DD format.
autoRenewal	Optional	Whether the subscription will automatically renew.
affiliateName	Optional	An identifier of an affiliate marketing program.

Supported Country	Payment Method Type	Currency	Minimum Order Amount	Maximum Order Amount
Austria	Pay Later (Invoice)	EUR	0.1	10,000
Austria	Financing	EUR	0.1	10,000
Denmark	Pay Later (Invoice)	DKK	1	20,000
Denmark	Financing	DKK	1	20,000
Finland	Pay Later (Invoice)	EUR	0.1	3,000
Finland	Financing	EUR	0.1	3,000
Germany	Pay Later (Invoice)	EUR	0.1	1,500
Germany	Financing	EUR	0.1	1,500
Netherlands	Pay Later (Invoice)	EUR	0.1	1,500
Norway	Pay Later (Invoice)	NOK	1	75,000
Norway	Financing	NOK	1	75,000
Sweden	Pay Later (Invoice)	SEK	1	100,000
Sweden	Financing	SEK	1	100,000
United Kingdom	Slice It in 3	GBP	35	800
United Kingdom	Pay Later (Invoice)	GBP	35	600
United States	Slice It in 4	USD	35	1,000