Introduction to Klarna Integration

Klarna is a Buy Now Pay Later (BNPL) payment method that you can offer your customers through
Cybersource
. With Klarna, you can enable your customers to split their payments into multiple installments. You can display the Klarna payment method to your customers during checkout by either presenting a Klarna widget or redirecting your customers to a Klarna-hosted webpage.
If you integrated with Klarna through
Cybersource
 before September 2023, review this document and reintegrate to the latest fields and values. To reference the previous version of the Klarna integration, see the no-longer-supported .

Klarna API Requests

These are the API requests you must integrate with to process a Klarna transaction:
  • Session
  • Authorization
  • Capture
  • Refund
  • Authorization-reversal
  • Check status

Requirements

You must obtain a
Cybersource
 merchant ID and a Klarna API key for each country in which you process transactions. Contact your
Cybersource
 account manager for more information.

Supported Countries and Currencies

Contact your account manager for the latest supported countries and currencies information.
For information about the country codes, currency codes, and language codes, see these relevant guides:

Klarna Review Process

Before you can launch Klarna payments, Klarna reviews your integrations. For more information about Klarna's pre-launch review process, contact your
Cybersource
 account manager.

Shipping Policies

Always follow the shipping policies for each country as outlined by Klarna to ensure that Klarna assumes liability for fraudulent transactions. For Klarna's shipping policy, see:

Disputes and Fraud

Klarna has a standard process for handling risky transactions and disputes between you and your customers. For more information, contact your technical account manager or customer support.

Chargeback Notifications

Customers can file payment disputes directly to Klarna to receive a chargeback payment for the disputed amount.
For information about setting up notifications for chargebacks, see Klarna Chargebacks.

Simple Order API Endpoints

Send your API requests to one of these
Cybersource
 endpoints using version 1.187 or later:
  • Production
    :
    https://ics2ws.ic3.com/commerce/1.x/transactionProcessor
  • Test
    :
    https://ics2wstest.ic3.com/commerce/1.x/transactionProcessor
Use the Klarna test triggers when directly connected to Klarna, which consist of email addresses. For more information, see: