Use the sample customer data in this page to test the standard approved and denied payment flows in Klarna payments.
If you want to test non-standard flows, such as pending payments or presenting only pre-paid payment options, see the Other test scenarios section in this page.
If you want to test different payment methods, direct debit, credit card, and bank transfer, use the data in our sample data
About user account To make a purchase new users in most countries go through an account creation wizard, provide their personal data, and enter a verification code to create their Klarna user account.
To test a new Klarna user account, select a combination of a random phone number and an email matching the required pattern. If the combination was used during sign-up before, you'll be logged into an existing account after providing a one-time password (OTP). In the playground environment, you can use any valid 6-digit number other than 999999 as the OTP.
One user account is only valid in a single market. For example, you can't use the same email address or phone number to test purchases in a playground store in Germany and Sweden.
User account is available in all countries included in the sample customer data list.
If you choose to create a new account rather than using one of the provided sample customer accounts on this page, any Personally Identifiable Information (PII) will be substituted with synthetically generated data. Consequently, you may notice different account values from those you provided. This helps us prevent data leaks in our playground environment.
Sample customer data Use the sample data for private persons to test B2C transactions. The company test data can be used for testing B2B transactions.
The B2C sample data in this article is split into two sub-categories:
Below is a list of email addresses associated with standard and custom test flows.
Standard flows Email address pattern Description customer+**@klarna.com Accept purchase. Message: "None, auth_token (valid 60 minutes) is returned for use in create_order" customer+**+denied@klarna.com Hard decline. Message: "Your purchase can not be accepted Unfortunately your purchase can not be accepted at this moment. Please choose a different payment method to complete your purchase."
Custom flows Email address pattern Description customer+**+new_user@klarna.com New user sign up flow. Payment method specific details (e.g. cards) are stored to the user. New user flow can also be tested with any new email address and phone number.
Dispute flows Dispute flows can be used to trigger disputes, and dispute resolutions. The dispute sample customer data details are listed in Sample Customer Data - Disputes
As we're constantly improving the testing experience, you may not able to test the denied payment flow in some markets, for example, Sweden and Norway. Please contact Klarna merchant support for more information.
All Countries Select a country to view the sample data you can use to test Klarna.
Europe Austria Private person Flow Email address Phone number Approved customer+at@klarna.com +4306762600456 Denied customer+at+denied@klarna.com +4306762600745 New user sign up customer+at+new_user@klarna.com +4306762600721
Field Approved Denied Other flows First name Test Test Person AT Last name Person-at Person-at Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 1060 1060 1010 City Wien Wien Wien Country AT AT AT Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Belgium Private person Flow Email address Phone number Approved customer+be@klarna.com +32485121291 Denied customer+be+denied@klarna.com +32485212123 New user sign up customer+be+new_user@klarna.com +32485212101
Field Approved Denied Other flows First name Test Test Person BE Last name Person-be Person-be Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 1000 1000 1000 City Brussel Brussel Bruxelles Country BE BE BE Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Czech Republic Private person Flow Email address Phone number Approved customer+cz@klarna.com +420771613715 Denied customer+cz+denied@klarna.com +420771623691 New user sign up customer+cz+new_user@klarna.com +420771623765
Field Approved Denied Other flows First name Test Test Person CZ Last name Person-cz Person-cz Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 155 00 155 00 110 00 City Praha PRAHA 13 Praha Country CZ CZ CZ Date of birth (DD-MM-YYYY) 01-01-1970 27-06-1992 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Denmark Private person Flow Email address Phone number Approved customer+dk@klarna.com +4542555628 Denied customer+dk+denied@klarna.com +4552555348 New user sign up customer+dk+new_user@klarna.com +4561555920 Bank Authentication customer+dk+denied+auth_monthio@klarna.com +4561555922
Field Approved Denied Other flows First name Test Test Person DK Last name Person-dk Person-dk Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 1556 2100 1556 City København Ø København Ø København Ø Country DK DK DK Date of birth (DD-MM-YYYY) 01-01-1980 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Company Field Approved Denied Company registration number 27968880 99999993 Company name Testcompany-dk Testcompany-dk Street Nygårdsvej 65 Nygårdsvej 65 Zip code 2100 2100 City København Ø København Ø Phone number 20123456 20123456 Email youremail@domain.com youremail+denied@domain.com
Finland Private person Flow Email address Phone number Approved customer+fi@klarna.com +358401234567 Denied customer+fi+denied@klarna.com +358401234568 New user sign up customer+fi+new_user@klarna.com +358401234584 Bank Authentication customer+fi+denied+auth_bank_id_fi@klarna.com Use Nordea with DEMOUSER4 for approved authentication. +358401234596
Field Approved Denied Other flows First name Test Person FI Person FI Last name Person-fi Test Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 00100 00100 00100 City Helsinki Helsinki Helsinki Country FI FI FI Date of birth (DD-MM-YYYY) 01-01-1999 01-01-1999 01-01-2000 Personal number 190122-829F OTP (Random 6 digits different from 999999) 123456 123456 123456
Company Approved Denied Company registration number 10891871 07527622 Company name Testcompany-fi Testcompany-fi Street Kiväärikatu 10 Kiväärikatu 10 Zip code 28100 28100 City Pori Pori Phone number 0401234567 0401234567 Email youremail@domain.com youremail+denied@domain.com
France Private person Flow Email address Phone number Approved customer+fr@klarna.com +33689854321 Denied customer+fr+denied@klarna.com +33687984322 New user sign up customer+fr+new_user@klarna.com +33656194338 ID Scan customer+fr+denied+auth_id_scan@klarna.com +33644974346
Field Approved Denied Other flows First name Test Test Person FR Last name Person-fr Person-fr Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 75009 75009 75005 City Paris Paris Paris Country FR FR FR Date of birth (DD-MM-YYYY) 10-07-1990 10-07-1990 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Germany Private person Flow Email address Phone number Approved customer+de@klarna.com +49017614284340 Denied customer+de+denied@klarna.com +49017610927312 New user sign up customer+de+new_user@klarna.com +491713920066
Field Approved Denied Other flows First name Test Test Person DE Last name Person-de Person-de Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 10178 10178 10178 City Berlin Berlin Berlin Country DE DE DE Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Greece Private person Flow Email address Phone number Approved customer+gr@klarna.com +306945553624 Denied customer+gr+denied@klarna.com +306945553625 New user sign up customer+gr+new_user@klarna.com +306945553654
Field Approved Denied Other flows First name Test Test Person GR Last name Person-gr Test-gr Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 151 23 123 67 117 42 City Athina Athina Athens Country GR GR GR Date of birth (DD-MM-YYYY) 01-01-1960 11-11-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456 Tax number 090000045 090000045 090000045
Hungary Private person Flow Email address Phone number Approved customer+hu@klarna.com +36300102692 Denied customer+hu+denied@klarna.com +36705553575 New user sign up customer+hu+new_user@klarna.com +36505557327
Field Approved Denied Other flows First name Test Person HU Person HU Last name Person-hu Test Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 1083 1083 1083 City Budapest Budapest Budapest Country HU HU HU Date of birth (DD-MM-YYYY) 01-01-2000 01-01-2000 01-01-2000
Ireland Private person Flow Email address Phone number Approved customer+ie@klarna.com +353855351400 Denied customer+ie+denied@klarna.com +353855351401 New user sign up customer+ie+new_user@klarna.com +353855351432 ID Scan customer+ie+denied+auth_id_scan@klarna.com +353855351425
Field Approved Denied Other flows First name Test Test Person IE Last name Person-ie Person-ie Test Address Test Street 13 Test Street 13 Test Street 13 Zip code D02 C838 D02 C838 D02 AW74 City Dublin Dublin Dublin Country IE IE IE Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Italy Private person Flow Email address Phone number Approved customer+it@klarna.com +393339741231 Denied customer+it+denied@klarna.com +393312232389 New user sign up customer+it+new_user@klarna.com +393312232432 ID Scan customer+it+denied+auth_id_scan@klarna.com +393312232413
Field Approved Denied Other flows First name Test Test Person IT Last name Person-it Person-it Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 00146 00146 00187 City Roma Roma Roma Country IT IT IT Fiscal code (Codice fiscale) RSS BNC 80A41 H501B RSS BNC 80A41 H501B Date of birth (DD-MM-YYYY) 01-01-1980 01-01-1980 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Netherlands Private person Flow Email address Phone number Approved customer+nl@klarna.com +31689124321 Denied customer+nl+denied@klarna.com +31632167678 New user sign up customer+nl+new_user@klarna.com +31632167655
Field Approved Denied Other flows First name Test Test Person NL Last name Person-nl Person-nl Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 1068 SR 1068 SR 1071 XX City Amsterdam Amsterdam Amsterdam Country NL NL NL Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Norway Private person When testing different flows, make sure to add National Identification Number before continuing with BankID in order to get the intended flow.
Flow Email address Phone number National Identification Number Approved customer+no@klarna.com +4740123456 NO01087000571 Denied customer+no+denied@klarna.com +4740123457 NO01087000148 New user sign up customer+no+new_user@klarna.com +4740123485 NO09117548023
Field Approved Denied Other flows First name Jane Test Person NO Last name Test Person-no Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 0194 0563 0194 City Oslo Oslo Oslo Country NO NO NO Date of birth (DD-MM-YYYY) 01-08-1970 01-08-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Company Approved Denied Company registration number 999999999 811111112 Company name Testcompany-no Testcompany-no Street Sæffleberggate 56 Sæffleberggate 56 Zip code 0563 0563 City Oslo Oslo Email youremail@domain.com youremail+denied@domain.com
Poland Private person Flow Email address Phone number Approved customer+pl@klarna.com +48795222223 Denied customer+pl+denied@klarna.com +48795223325 New user sign up customer+pl+new_user@klarna.com +48795223355
Field Approved Denied Other flows First name Test Test Person PL Last name Person-pl Person-pl Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 01-460 01-460 00-272 City Warszawa Warszawa Warszawa Country PL PL PL Date of birth (DD-MM-YYYY) 05-05-1967 05-05-1967 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Portugal Private person Flow Email address Phone number Approved customer+pt@klarna.com +351935556731 Denied customer+pt+denied@klarna.com +351915593837 New user sign up customer+pt+new_user@klarna.com +351808151176 ID Scan customer+pt+denied+auth_id_scan@klarna.com +351912341112
Field Approved Denied Other flows First name Test Test Person PT Last name Person-pt Person-pt Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 1990-094 1990-094 1100-148 City Lisboa Lisboa Lisboa Country PT PT PT Date of birth (DD-MM-YYYY) 10-07-1990 10-07-1990 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Romania Private person Flow Email address Phone number Approved customer+ro@klarna.com +40741209876 Denied customer+ro+denied@klarna.com +40707127444 New user sign up customer+ro+new_user@klarna.com +40707129334
Field Approved Denied Other flows First name Test Test Person RO Last name Person-ro Person-ro Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 061357 061357 030026 City București București București Sector Sectorul 6 Sectorul 6 Sectorul 3 Country RO RO RO Date of birth (DD-MM-YYYY) 25-12-1970 25-12-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456 Personal Identification Number (CNP) 1701225193558
Slovakia Private person Flow Email address Phone number Approved customer+sk@klarna.com +421905123456 Denied customer+sk+denied@klarna.com +421905123457 New user sign up customer+sk+new_user@klarna.com +421905123432
Field Approved Denied Other flows First name Test Person Sk Person Sk Last name Person-sk Test Test Address Test Street 13 Test Street 13 Test Street 13 Zip Code 810 06 810 06 810 06 City Bratislava Bratislava Bratislava Country SK SK SK Date of birth (DD-MM-YYYY) 01-01-2000 01-01-2000 07-10-1997 Personal Identification Number (Rodné Číslo) 000101/0009 000101/0020 971007/0249 OTP (Random 6 digits different from 999999) 123456 123456 123456
Spain Private person Flow Email address Phone number Approved customer+es@klarna.com +34672563009 Denied customer+es+denied@klarna.com +34682425101 New user sign up customer+es+new_user@klarna.com +34670097139 ID Scan customer+es+denied+auth_id_scan@klarna.com +34670097113
Field Approved Denied Other flows First name Test Test Person ES Last name Person-es Person-es Test DNI 99999999R 99999999R 99999999R Address Test Street 13 Test Street 13 Test Street 13 Zip code 28012 28012 28012 City Madrid Madrid Madrid Country ES ES ES Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Sweden Private person When testing different flows, make sure to add National Identification Number before continuing with BankID in order to get the intended flow.
Flow Email address Phone number National Identification Number Approved customer+se@klarna.com +46701740615 SE194103219202 Denied customer+se+denied@klarna.com +46701740620 SE194110288083 New user sign up customer+se+new_user@klarna.com +46701740656 SE199502182380
Field Approved Denied Other flows First name Alice Test Person SE Last name Test Person-se Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 11 148 11 460 11 148 City Stockholm Stockholm Stockholm Country SE SE SE Date of birth (DD-MM-YYYY) 21-03-1941 28-10-1941 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Company Approved Denied Company registration number 002031-0132 002032-0131 Company name Testcompany-se Testcompany-se Street #1 Test Street 13 Test Street 13 Zip code #1 12345 12345 City #1 Ankeborg Ankeborg Street #2 Lillegatan 1 Lillegatan 1 Zip code #2 12334 12334 City #2 Ankeborg Ankeborg Phone number 0765260000 0765260000 Email youremail@domain.com youremail+denied@domain.com
Switzerland The use of provided sample data is strongly recommended.
When using your own sample data, your test orders might get rejected:
Private person Flow Email address Phone number Approved customer+ch@klarna.com +41758680000 Denied customer+ch+denied@klarna.com +41758680001 New user sign up customer+ch+new_user@klarna.com +41758680028 ID Scan customer+ch+denied+auth_id_scan@klarna.com +41758680025
Field Approved Denied Other flows First name Accepted Customer Accepted Last name Person-ch Person-ch Person-ch Address Test Street 13 Test Street 13 Test Street 13 Zip code 4051 8001 4051 City Basel Zürich Basel Date of birth (DD-MM-YYYY) 01-01-1990 01-01-2000 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
United Kingdom Private person Flow Email address Phone number Approved customer+gb@klarna.com +447755564318 Denied customer+gb+denied@klarna.com +447355505530 New user sign up customer+gb+new_user@klarna.com +445674519812 ID Scan customer+gb+denied+auth_id_scan@klarna.com +445674519822 Bank Authentication Bank authentication flow starts after clicking Pay With Klarna. Select Demo Bank, Username & Password: test customer+gb+denied+auth_bank_login@klarna.com +445674519815
Field Approved Denied Other flows First name Test Test Person GB Last name Person-uk Person-uk Test Address Test Street 13 Test Street 13 Test Street 13 Zip code W1S 3BE W1S 3BE EC2Y 5HN City London London London Country GB GB GB Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Term loan financing When testing term loan financing in playground, enter the following billing address details:
Field Value cityTest Town countryGB emailtermloanfinancing@email.uk family_nameCameroon given_nameCampbell phone07744225533 postal_codeX9 9LG street_address34 Global Avenue
You'll be asked to provide additional information, for example, about income and dependants. In this step, you're free to provide any details.
In the next step, enter the following bank details:
Field Value Account holder name Mr Campbell Cameroon Sort code 20-00-00 Account number 55779911
Americas Canada Private person Flow Email address Phone number Approved customer+ca@klarna.com +15197438620 Denied customer+ca+denied@klarna.com +15197308624 New user sign up customer+ca+new_user@klarna.com +15195550188 ID Scan customer+ca+denied+auth_id_scan@klarna.com +15195550145 `email+ca+reject_reason_OTHER@klarna.com `email+ca+reject_reason_COULD_NOT_ESTABLISH_IDENTITY@klarna.com `email+ca+reject_reason_CREDIT_LIMIT_EXCEEDED@klarna.com `email+ca+reject_reason_CUSTOMER_NOT_FULFILLING_PREVIOUS_ENGAGEMENTS@klarna.com `email+ca+reject_reason_EXTERNAL_HARD_REJECT@klarna.com `email+ca+reject_reason_HIGH_RISK@klarna.com `email+ca+reject_reason_LEGAL_RESTRAINTS@klarna.com `email+ca+reject_reason_TECHNICAL_ERROR@klarna.com `email+ca+reject_reason_INTERNAL_BLOCK@klarna.com `email+ca+reject_reason_LOW_CREDIT_RATING@klarna.com `email+ca+reject_reason_UNDER_AGE@klarna.com `email+ca+reject_reason_DENIED@klarna.com
Field Approved Denied Other flows First name Test Test John Last name Person-ca Person-ca Test Address Test Street 13 Test Street 13 Test Street 13 Zip code V7H 1L9 V7H 1L9 K1N 9N4 City North Vancouver North Vancouver Ottawa Province BC BC ON Country CA CA CA Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Mexico Private person Flow Mexico Email address Phone number Approved customer+mx@klarna.com +525593747739 Denied customer+mx+denied@klarna.com +525593747740 New user sign up customer+mx+new_user@klarna.com +525593747767
Field Mexico Approved Denied Other flows First name Test Person-mx John Last name Person-mx Test Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 03000 03000 06000 City Benito Juárez Benito Juárez Ciudad de México State CDMX CDMX CMX Country MX MX MX Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
United States of America Private person Flow Email address Phone number Approved customer+us@klarna.com +13106683312 Denied customer+us+denied@klarna.com +13106354386 New user sign up customer+us+new_user@klarna.com +13105550134 ID Scan customer+us+denied+auth_id_scan@klarna.com +13105550124 Bank Authentication Bank authentication flow starts after clicking Pay With Klarna. Select Demo Bank, and Test Transportweg USA as login method. User ID & Password: test customer+us+denied+auth_bank_login@klarna.com +13105558963 Email Verification customer+us+denied+auth_otp_email@klarna.com +13105558632 Phone Verification customer+us+denied+auth_otp_phone@klarna.com +13105558633 Card Security Code Verification customer+us+denied+auth_cvv_entry@klarna.com +13105558634 Rejection customer+us+reject_reason_other@klarna.com +13105558637 Rejection customer+us+reject_reason_could_not_establish_identity@klarna.com +13105558636 Rejection customer+us+reject_reason_credit_limit_exceeded@klarna.com +13105558638 Rejection `cust+reject_reason_customer_not_fulfilling_previous_engagements@klarna.com +13105558639 Rejection customer+us+reject_reason_external_hard_reject@klarna.com +13105558640 Rejection customer+us+reject_reason_high_risk@klarna.com +13105558641 Rejection customer+us+reject_reason_legal_restraints@klarna.com +13105558642 Rejection customer+us+reject_reason_technical_error@klarna.com +13105558643 Rejection customer+us+reject_reason_internal_block@klarna.com +13105558644 Rejection customer+us+reject_reason_low_credit_rating@klarna.com +13105558645 Rejection customer+us+reject_reason_under_age@klarna.com +13105558646 Rejection customer+us+reject_reason_denied@klarna.com +13105558647
Field Approved Denied Other flows First name Test Test John Last name Person-us Person-us Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 10024-3941 10024-3941 20002-6452 City New York New York Washington State NY NY DC Date of birth (DD-MM-YYYY) 07-10-1970 07-10-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Asia & Oceania Australia Private person Flow Email address Phone number Approved customer+au@klarna.com +61473752244 Denied customer+au+denied@klarna.com +61473763254 New user sign up customer+au+new_user@klarna.com +61491574119 ID Scan customer+au+denied+auth_id_scan@klarna.com +61491574127
Field Approved Denied Other flows First name Test John John Last name Person-au snow Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 4877 2128 2000 City Port Douglas Silverwater Sydney State QLD NSW NSW Country AU AU AU Date of birth (DD-MM-YYYY) 10-07-1970 03-05-1994 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
New Zealand Private person Flow Email address Phone number Approved customer+nz@klarna.com +6427555290 Denied customer+nz+denied@klarna.com +642993007712 New user sign up customer+nz+new_user@klarna.com +642862276121 ID Scan customer+nz+denied+auth_id_scan@klarna.com +642862276142
Field Approved Denied Other flows First name Test Test John Last name Person-nz Person-nz Test Address Test Street 13 Test Street 13 Test Street 13 Zip code 6011 6011 6011 City Auckland Wellington Wellington Country NZ NZ NZ Date of birth (DD-MM-YYYY) 10-07-1970 10-07-1970 01-01-2000 OTP (Random 6 digits different from 999999) 123456 123456 123456
Test ID Card You can test the ID scan flow with this mock national ID card. Use the same image as both front and back of the card for all markets.
Other test scenarios The sample customer data lets you test the basic approve and deny transaction flows. However, you can also test some other Payments scenarios by adding suffixes to sample usernames.
In the examples below, the email address reflects sample customer data for the United States. Make sure to adjust the address to match the country in which your store operates.
To launch a Payments widget, include a sample email address in your API call. You can modify the address to display the sign-up widget or delay the payment.
To launch a Checkout widget, include a sample email address in your API call.
Scenario Customer email address pattern Example Applies to New customer signup username+require_signup@domain\.comcustomer+require_signup@example.usPayments Returning customer username@domain\.comcustomer+us@klarna\.comPayments Don't show form (only when pre-screen is enabled) username+red@domain\.comcustomer+us+red@klarna\.comPayments Pending payment status is the expected status after the time delay, either accept to accept a payment or reject to reject a payment
time delay is the time delay, in minutes, before the decision is made and the status is confirmed. The value must be a two-digit number in the range of 00–99. Note: Only works for US and UK.
username+pend-[status]-[time delay]@domain\.com status = accept/reject time delay = 00–99 minutes Only works for US/UK customer+us+pend-accept-05@klarna\.comPayments Only present pre-paid options example-email+red@example\.comcustomer+red@example\.comCheckout
