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Klarna Network — Direct Partner integration
DOCUMENTATION
Get started
Ecosystem overview
Perfect customer journey
Klarna Network Rules
Setup your integration
API Ecosystem
Connection configuration
Manage your API credentials
Configure mTLS
Setup your webhooks
Setup IP address restrictions
Integration resilience
Security
Error handling
API request limits
Request timeout
Idempotency
Rate limiting
Data types
Identifiers and references
Klarna service level
Versioning and release management
Payment presentation
Overview
Present Klarna in your checkout
Integrate Payment Presentation
Payment Presentation API
Payment Presentation Web SDK
Checkout styling
Payment authorization
Overview
Authorize customer-initiated transactions
For server-side integration
For Web SDK integration
For Mobile SDK integration
Auto-capture
Cancel a Payment Request
Update a Payment Request
Authorization resources
Payment Request
Payment Authorization
Klarna Network Session Token
Sharing supplementary purchase data
Payments on restricted businesses
Merchant category codes
Custom Payment Request expiry
Plugins
Shopify
Express checkout
Express checkout with a server-created Payment Request
Payment tokenization
Overview
Integrate payment tokenization
For server-side integration
For hosted checkout pages and embedded elements
Payment tokenization resources
Customer Token
Payment Tokenization
After payments
Manage payment transactions
Read and update a Payment Transaction
Capture a Payment Transaction
Refund a Payment Transaction
Void a Payment Transaction
Dispute management
Disputes reasons
Disputes lifecycle
Disputes states
Disputes fees
Handle Disputes
Disputes evidence guidelines
How to integrate
API integration
Monitor disputes performance
Customer protection message
Disputes customer sample data
Settlements
Klarna settlements reconciliation
Request settlement currency
Supported settlement currencies
Settlements resources
Settlement configuration
Settlement reports
Settlement report types
Disputes in the settlement report
Express checkout
Integration prerequisites
Web integration
Klarna buttons styling
On-site messaging
Integration prerequisites
Placement
Web integration
Mobile integration
Sign in with Klarna
Integration prerequisites
Web integration
OpenIDConnect and Customer Identity Cloud
Button styling
Resources
Developer tools
Testing payments
Before you test
Test cases
Go-live checklist
Testing conversion boosters
Sign in with Klarna
Sample data
Sample customer data
Sample payment data
Error handling
Error codes and messages
Errors in Order Management
Glossary
Merchant portal guide
Homepage
Payments
Conversion booster
Settings
Explore Klarna solutions
Marketing tools
Global marketing assets
Marketing guidelines for merchants
Brand guidelines
Pre-made advertising assets
Online marketing
In-store marketing
Partner marketing legal guidelines
Australia
BNPL promotion rules 101
Canada
BNPL promotion rules 101
Ireland
BNPL promotion rules 101
Influencer promotion rules
Netherlands
BNPL promotion rules 101
Norway
BNPL promotion rules 101
Spain
BNPL promotion rules 101
Sweden
Regulated financing promotion rules 101
United Kingdom
United States
BNPL promotion rules 101
Regulated financing promotion rules 101
Rest of the world
Legal and compliance
Policies and term of service
Sensitive goods and privacy
Prohibited and restricted businesses
Cooperation agreement conditions
Cookie policy
Financing for Domestic Premises Suppliers
Klarna assets terms of service
E-invoicing for Klarna fees in France
Payment solutions guidelines
Legal and data protection (EU)
Legal and data protection (US)
Legal and data protection (AU)
Requirements for card transactions
Security recommendations for your checkout
More solutions guidelines
Tokenization of shopping solutions
Boost features terms of service
Ad policies for Klarna advertisers
Billie terms & conditions
Search and Compare - Terms and Conditions
Other agreements and relevant guides
Klarna services T&C
Cyber scams and security tips
API & SDK
Server Side API
Management
Security Management
API Keys
get
List all API Keys
post
Create an API Key
get
Read an API Key
delete
Disable an API Key
patch
Update an API Key
Client Identifiers
get
List all Client Identifiers
post
Create a Client Identifier
get
Read a Client Identifier
delete
Disable a Client Identifier
patch
Update a Client Identifier
Client Certificates
get
List all current client certificates
post
Create a client certificate
get
Read the data for a client certificate
patch
Update a Client Certificate
post
Revoke a Client Certificate
get
Read mTLS authorization enforcement status
put
Enforce MTLS authorization
delete
Remove enforcement of MTLS authorization
SFTP Credentials
get
List all SFTP credentials
get
Read an SFTP Credential
delete
Disable a SFTP Credential
IP Restrictions
get
Read IP restriction enforcement status
patch
Manage IP restriction enforcement
get
List all configured allowed IP ranges
put
Set allowed IP ranges
post
Append allowed IP ranges
Allowed Client Origins
get
List allowed client origins
post
Create an allowed client origin
get
Read an allowed client origin
delete
Delete an allowed client origin
Brands & Stores Management
Brands
get
Get all brands available
post
Create a Brand
get
Read a specific brand
patch
Update a Brand
Stores
get
Get all stores available
post
Create a Store
get
Read a specific Store
patch
Update a Store
Store Groups
get
Get all store groups available
post
Create a Store Group
get
Read a specific Store Group
patch
Update a Store Group
Payment Acquiring
Settlements
get
List settlements
get
Get settlement details
get
Get settlement report (CSV)
get
Get settlement tax invoice (PDF)
get
Get settlement transactions report (CSV)
get
Get settlement summary report (CSV)
get
List settlement transactions
get
Get payout status
webhook
Settlement report created
webhook
Settlement report uploaded to SFTP
webhook
Settlement payout processed
webhook
Settlement payout confirmed
webhook
Settlement payout failed
webhook
Settlement payout delayed
Self Service Partner Portal
Deep Links
post
Create account deep link
delete
Delete account deep link
Payment
Payment Authorize API
post
Authorize a payment transaction.
Payment Request API
post
Create a server-to-server payment request
get
Read the state of a Payment Request
delete
Cancel payment request
patch
Update a Payment Request
webhook
Payment request state changed
webhook
Payment request updated
Payment Transaction API
get
Read Payment Transaction
patch
Update Payment Transaction
post
Reauthorize Payment Transaction
post
Capture Payment Transaction
post
Refund Payment Transaction
post
Void Payment Transaction
get
Read Payment Capture
post
Refund Payment Capture
get
Read Payment Refund
get
Read Payment Chargeback
webhook
Payment transaction updated
webhook
Payment transaction state changed
webhook
Payment transaction captured
webhook
Payment transaction refunded
webhook
Payment transaction chargeback
webhook
Payment funding state changed
Payment Presentation API
get
Retrieve Klarna payment presentation elements
Card Settlements API
webhook
Card authorized for settlement
webhook
Card authorization reversed
webhook
Card captured for settlement
Notifications
Webhooks
get
List webhooks
post
Create webhook
get
Get webhook
delete
Delete webhook
patch
Update webhook
post
Simulate a webhook
Signing Keys
get
List signing keys
post
Create signing key
get
Get signing key
delete
Delete signing key
Identity
Identity API
post
Generate SDK token
Identity Request API
webhook
Identity request state changed
Testing tools
Testing Tools API
Settlement Testing
post
Set payout status
webhook
Settlement report created
webhook
Settlement report uploaded to SFTP
webhook
Settlement payout processed
webhook
Settlement payout confirmed
webhook
Settlement payout failed
webhook
Settlement payout delayed
Klarna Network Data Schema
Web SDK
Config
IntegrationMetadata
setIntegratorSessionReference
setOriginators
setPartnerAccountId
setAcquiringConfig
setSdkToken
setKlarnaNetworkSessionToken
Customer
Transaction
onWidgetError
onWidgetComplete
onWidgetCancel
widget
Network
Session
token
onTokenUpdate
Payment
presentation
button
onComplete
onError
onAbort
onShippingAddressChange
onShippingOptionSelect
off
fetch
cancel
initiate
Klarna Network — Direct Partner integration
/
Get started
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Klarna Network Rules
Klarna Network Rules
The rules governing use of the Klarna Payment Services by Partners. This publication covers Chapters 1, 2 and 15.
210 min read
Version history
Previous versions are available as PDF only.
October 2025
Published October 2025 · No longer effective
April 2025
Published April 2025 · No longer effective
December 2024
Published December 2024 · No longer effective
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Overview
1. Introduction
1.1 How to use this document?
1.2 Definitions
1.3 Overview of Changes
2. Klarna Network Principles
Safe and Secure Shopping
Global Availability
Integration Simplicity
Product Suite Interoperability
High Performance
Payment Program Availability
15. Partner Rules
15.1 Background
15.2 Relationship between the Partner, Acquiring Partner and Klarna
15.3 The Klarna Payment Services
15.4 Partner Responsibilities
15.5 Repayment of Claims
15.6 Compensation for Costs
15.7 Incorrect Customer Payments and Settlement
15.8 Pricing
15.9 Brand and Marketing Terms for Partners
15.10 Integration Requirements for Partners
15.11 Prohibited and High-Risk Businesses
15.12 Tokenization Terms for Partners
15.13 Partner Requirements for Disputes
15.14 Partner Rules Updates
15.15 Risk Programs for Partners
15.16 Operational Fees
15.17 Partner Portal Terms
15.18 Miscellaneous
Appendix 1 to the Partner Rules: Data Protection
Overview
1. Introduction
1.1 How to use this document?
1.2 Definitions
1.3 Overview of Changes
2. Klarna Network Principles
Safe and Secure Shopping
Global Availability
Integration Simplicity
Product Suite Interoperability
High Performance
Payment Program Availability
15. Partner Rules
15.1 Background
15.2 Relationship between the Partner, Acquiring Partner and Klarna
15.3 The Klarna Payment Services
15.4 Partner Responsibilities
15.5 Repayment of Claims
15.6 Compensation for Costs
15.7 Incorrect Customer Payments and Settlement
15.8 Pricing
15.9 Brand and Marketing Terms for Partners
15.10 Integration Requirements for Partners
15.11 Prohibited and High-Risk Businesses
15.12 Tokenization Terms for Partners
15.13 Partner Requirements for Disputes
15.14 Partner Rules Updates
15.15 Risk Management Terms for Partners
15.16 Operational Fees
15.17 Partner Portal Terms
15.18 Miscellaneous
Appendix 1 to the Partner Rules: Data Protection
Version history
