Ecosystem Overview
Accept Klarna payments in-store using Clover's point-of-sale system with a simple plug-and-play integration.
3 min read
Klarna has partnered with Clover to deliver a seamless, integrated payments solution for in-store transactions. This setup enables you to add Klarna as a payment method directly at your Clover point-of-sale terminal.
Clover acts as an acquirer and processor, managing your onboarding, compliance, and settlement, while Klarna connects you with high-intent shoppers, offering flexible payment options - Pay in full, Installments, and Financing.
Key Klarna benefits for you
This integration provides a reliable and streamlined way to accept in-store payments, while giving you access to Klarna's payment services:
- Conversion optimization — approve more of the right transactions by enhancing transaction data and delivering a smoother customer experience.
- Advanced underwriting capabilities — benefit from Klarna's intelligent decisioning, enabling higher acceptance rates while maintaining secure transactions.
- Real-time risk management — gain protection through Klarna's continuous, data-driven risk monitoring that adapts instantly to shopper and transaction patterns.
- Efficient dispute management — Understand dispute reasons, response timelines and disputes fees.
- Easy setup — plug-and-play integration with Clover POS terminals requires minimal technical effort.
How to integrate Klarna
In-store POS integration
Clover provides a plug-and-play solution for accepting Klarna payments at your physical point-of-sale. This integration is designed for simplicity and requires minimal setup:
- Automatic enablement — Klarna appears as a payment option on your Clover terminal once activated
- No development required — No SDK integration or custom development needed
- Seamless checkout — Customers can select Klarna at the point of sale for in-person transactions
- Real-time authorization — Instant payment authorization at the terminal
graph TB
subgraph Store[In-Store]
Customer[Customer]
Terminal[Clover POS Terminal]
end
subgraph Clover[Clover Platform]
CloverAPI[Clover Payment Processing]
end
subgraph Klarna[Klarna]
KlarnaAPI[Klarna Payment API]
KlarnaServices[Klarna Services]
end
%% Customer interactions
Customer -->|selects Klarna| Terminal
%% Payment flow
Terminal -->|sends payment request| CloverAPI
CloverAPI -->|routes to| KlarnaAPI
KlarnaAPI -->|authorizes| CloverAPI
CloverAPI -->|confirms| Terminal
Terminal -->|displays confirmation| Customer
%% Backend services
KlarnaAPI -->|processes| KlarnaServices
KlarnaServices -->|settles via| CloverAPI
class Terminal,CloverAPI,KlarnaAPI primaryEntity
class Customer,KlarnaServices tertiaryEntity
Integration benefits summary
This integration provides Partners with a reliable, streamlined way to accept in-store payments while benefiting from Klarna's payment services and risk management capabilities.
Clover POS system
Clover offers point-of-sale solutions designed for in-store transactions with Klarna integration:
| Platform | Supported devices | Overview | Integration type |
|---|---|---|---|
| Clover POS |
| Clover's point-of-sale system provides comprehensive in-store payment processing. The system supports Klarna as a payment option directly at the terminal, enabling customers to choose flexible payment methods at checkout without requiring custom development. | Plug-and-play terminal integration |
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