Ecosystem Overview
Integrate Klarna into your online store using J.P. Morgan Payments' acquiring infrastructure for secure, compliant transactions.
Klarna has partnered with J.P. Morgan Payments to deliver a seamless, integrated payments solution for online Partners. This setup enables you to add Klarna as a payment method directly within J.P. Morgan's payment infrastructure. J.P. Morgan Payments acts as an acquirer and processor, managing Partner onboarding, compliance, and settlement, while Klarna provides the end-customer payment experience, offering flexible payment options—Pay in Full, Pay Later, Installments, and Financing.
Key Klarna benefits for you
This integration provides a reliable and streamlined way to accept payments, while giving you access to Klarna's advanced services and capabilities:
- Conversion optimization — approve more of the right transactions by enhancing transaction data and delivering a smoother customer experience.
- Supplementary Purchase Data (SPD) — share enriched transaction details to help refine Klarna's risk evaluation and maximize approval rates.
- 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 dispute fees.
- Cross-border transactions — reach a wider customer base and grow sales by accepting payments across multiple markets through Klarna's global infrastructure.
- Integration of Klarna's SDK — create the Perfect Customer Journey and enable Conversion Features.
How to integrate Klarna
Integration with Klarna's SDK (Recommended)
To elevate the customer experience and create the Perfect Customer Journey, integrate Klarna's Web SDK alongside your J.P. Morgan Payments APIs and checkout solutions. This recommended setup ensures a seamless journey and unlocks extended Klarna capabilities such as:
- Dynamic Presentation of Klarna at the payment method selection.
- Klarna Boost Features:
- Klarna Express Checkout for faster, more personalized transactions.
- Sign in with Klarna to simplify repeat purchases for returning Klarna customers.
- On-site messaging to promote flexible payment options across the shopping journey.
These tools make it possible to both streamline checkout and strengthen customer engagement, leading to higher conversion and increased sales.
Integration without Klarna's SDK
J.P. Morgan Payments integration ensures that Klarna is always available as a trusted payment option to your customers. J.P. Morgan Payments provides integration options across its platforms, supporting API-based and hosted checkout solutions that seamlessly route transactions to Klarna.
J.P. Morgan Payments Integration Options
J.P. Morgan Payments offers flexible integration options for incorporating Klarna into your checkout experience:
| Integration Type | Overview | Best For |
|---|---|---|
| JPM Online Payments (Server-to-Server Integration) | Direct API integration with J.P. Morgan Payments infrastructure provides full control over the payment flow. Build custom checkout experiences while J.P. Morgan manages payment processing, compliance, and settlement. This option supports advanced features like Supplementary Purchase Data (SPD) and enables integration with Klarna's Web SDK for Boost features. | Partners requiring full customization and control over the checkout experience, or those wanting to enable Klarna Boost features like Express Checkout and On-site Messaging. |
| JPM Checkout | J.P. Morgan Checkout offers a low-code integration option in different variations. The hosted page manages the entire payment flow, including Klarna selection and authorization, reducing development effort while maintaining PCI compliance. Alternatively you can embed the Drop-in UI within your website. Maintain your site's look and feel while J.P. Morgan handles secure payment collection. This option balances customization with reduced PCI scope. | Partners seeking quick implementation with minimal development resources. |
Note: To enable the full range of Klarna capabilities, including Express Checkout, Sign in with Klarna, and On-site Messaging, the Server-to-Server (API) Integration combined with Klarna's Web SDK is recommended.