Klarna offers flexible payment options, giving customers more freedom to choose when and how to pay for a purchase. Klarna provides payment solutions to over 118 million consumers through more than 960,000 retailers in 26 countries.

Klarna guide

Klarna is a payment method that allows customers to pay for purchases using both immediate and deferred payments. Depending on market availability, Klarna offers the following payment options:

• Pay in full: a one-time payment at the time of a purchase for the full transaction amount. This option supports debit cards, credit cards, and bank transfers, similar to standard checkout transactions.
• Pay in 30 days: customers can pay thirty days after checkout.
• Pay in 3 or 4: customers pay three or four installments in fourteen to thirty days.
• Financing: customers pay in monthly installments for up to 36 months with or without interest.

The supplier receives full payment from Reach at the time of purchase, while Klarna collects payment from the customer over time.

Klarna payment flow

If Klarna is available in the customer's region, the Klarna payment method will be displayed for customer selection when checkout is rendered.

After selecting Klarna as their payment method, the shopper is redirected to a Klarna-hosted page for confirmation. The shopper is redirected to the supplier's site to complete their purchase. Customers can manage their payments through Klarna's app.

Klarna Properties

Klarna and the Checkout API

Use the /checkout endpoint to create an order in Reach's system and attempt payment authorization. To create a Klarna transaction, set the PaymentMethod field to KLARNA and provide all required information. The tabs below show an example of a /checkout request using Klarna as the payment method.

For more details, see the Checkout API page.

POST https://checkout.rch.io/v2.21
{
  "MerchantId": "ee54106f-30b8-45df-b62f-b649fc80eafd",
  "ReferenceId": "1621468436723",
  "ConsumerCurrency": "USD",
  "PaymentMethod": "KLARNA",
  "Capture": false,
  "Items": [
    {
      "Description": "Item",
      "ConsumerPrice": 100,
      "Quantity": 1,
      "Sku": "4383471583721",
      "ImageUrl": "test.jpg"
    }
  ],
  "Consumer": {
    "Name": "First Last",
    "Email": "[email protected]",
    "Phone": "3337678899",
    "Address": "223 Elm Tree",
    "City": "Place",
    "Region": "Hamburg",
    "PostalCode": "20",
    "Country": "US"
  },
  "DeviceFingerprint": "c41487d2-6654-4d6a-8e55-2f3d92b285f8",
  "StashId": null,
  "Return": "https://checkout.rch.red/return.php"
}

{
  "OrderId": "c29173aa-dffb-400e-8a03-0a6636e77719",
  "UnderReview": false,
  "Expiry": "2027-05-21T23:54:02Z",
  "Authorized": false,
  "Completed": false,
  "Captured": false,
  "Action": {
    "Redirect": "https://sandbox.withreach.com/auth/9a2c1f80-01b5-4cb4-90ae-c8adcb85cb0a"
  }
}

Fraud screenings and states

For the US and UK, Klarna may perform additional fraud screenings on your order requests. If a payment is flagged for review, the transaction state is held as CommitAccepted until Reach receives final authorization from Klarna.

When you attempt to capture an order in this state, the capture response will return with "Completed"= false. You should then wait for the notification informing you that the order has transitioned to Processed or ProcessingFailed.

See States and notifications and POST /capture for further details.

Custom branding options for checkout

To enhance your customers' Klarna-hosted payment experience, you can provide a feature image or logo that matches your branding. To customize your Klarna checkout, contact the Reach support team with your Klarna custom branding request.

Klarna on-site messaging

On-site messaging (OSM) is a platform that displays Klarna payment promotions in your online store to better inform your customers of the payment options available to them.

Integrate on-site messaging

The process generally follows Klarna's Web SDK guide, with minor changes to allow integration within the Reach ecosystem.

Add the OMS JavaScript library

Klarna’s OMS integration uses a JavaScript library. To enable OMS, add the Klarna JavaScript library to all pages where you wish to display Klarna messaging.

<html>
  <head>
    <title>My store</title>
  </head>
  <body>
    <script
        async
        data-environment="playground | production"
        src="https://js.klarna.com/web-sdk/v1/klarna.js"
        data-client-id="your_klarna_live_client_">
    </script>
  </body>
</html>

Set the attributes to the values returned by /getPaymentMethods

The /getPaymentMethods endpoint retrieves available payment methods for the specified currency and country.

{
      "Id": "KLARNA",
      "Name": "Klarna",
      "Class": "Online",
      "Language": "en",
      "Local": true,
      "Parameters": {
      		"ClientId": "11111111-2222-3333-4444-555555555555",
          "OnSiteJavaScriptUrl": "https://js.klarna.com/web-sdk/v1/klarna.js"
      }
    }

You will need to set the src and data-client-id attributes to the ClientId and OnSiteJavaScriptUrl values returned by a call to Reach's /getPaymentMethods endpoint.

Klarna suggests including the script tag in the first element of the page’s body. However, it is possible to include the script dynamically after retrieving the URL and client ID from the /getPaymentMethods call.

To refresh the OMS, you must use a command that pushes the refresh-placements event to KlarnaOnsiteService, ensuring the messaging placements update dynamically without requiring a hard page reload.

let script = document.createElement('script');
 // the url provided by getPaymentMethods
script.src = <source>;
// the client ID provided by getPaymentMethods
script.setAttribute('data-client-id’, <client ID>);
script.async = true;
// ID so we can replace the script for region changes
script.id = 'klarna';
document.body.appendChild(script);
// refresh the messages after attaching the script
window.KlarnaOnsiteService = window.KlarnaOnsiteService || []
window.KlarnaOnsiteService.push({ eventName: 'refresh-placements' })

Placement tags for on-site messages

Once the JavaScript library is configured, on-site messaging is displayed using HTML tags called placements. Placements act as containers for the JavaScript library's contents.

Add placements to your store's source code using HTML snippets and passing the required attributes. Set the data-locale attribute to the shoppers' region.

<klarna-placement
    data-key="credit-promotion-badge"
    data-locale="en-US"
    data-purchase-amount="12000"
></klarna-placement>

If invalid information is provided to the tags or Klarna is unavailable in the customer's region, the tags will not be displayed.

Klarna provides information on using placements in their integration instructions and on their Placements page.

On-site messages requirements

Suppliers must add a Klarna FAQ link to the site footer using the FAQ OSM script.

The FAQ 's placement data-key is info-page. Suppliers should pass the appropriate locale based on the customer's region.

The following code should be added to the page where you want the content to be displayed:

<!-- Placement v2 -->
<klarna-placement
  data-key="info-page"
  data-locale="en-SE"
></klarna-placement>
<!-- end Placement -->

This will dynamically include the appropriate Klarna FAQ and explain the payment options available to the customer in their region.