This guide outlines the steps and best practices for documenting Klarna’s Payment Services and shopping solutions for your Partners. It explains Klarna’s customer journey, the benefits for Partners and customers, and the integration process. Whether you're new to Klarna or updating existing documentation, this guide offers clear, actionable steps to help you communicate Klarna’s services effectively.
Before releasing your documentation publicly, it must go through a thorough review to ensure accuracy and alignment with Klarna’s standards. See Step 5 for details.
After introducing your Partners to Klarna, provide detailed guidance on how to integrate Klarna into their online stores. A complete technical integration guide includes several key elements, such as availability, fulfilling Partner requirements, addressing edge cases, and managing more complex solutions.
It's essential to clearly communicate the availability of Klarna's Payment Services and shopping solutions through your platform. This step involves detailing the specific aspects of service availability, including geographical reach, technical requirements, and any variations in service options based on Partner or consumer locations.
Keep it simple, leveraging product matrices or interactive pages to not overwhelm Partners. Outline the key elements:
- Geographical coverage: Provide a comprehensive list of Acquiring and Issuing Markets where Klarna's services are available through your platform.
- Product coverage: Outline any requirements for providing Klarna inherent to your integration, including specific platform or version compatibility, or any other system requirements.
Explain the different integration methods available for Klarna, such as:
- API integration: For Partners with custom-built e-commerce platforms, provide guidelines on integrating Klarna directly through your API. As this generally affords the Partner more control over presentation, it’s especially important to educate these Partners on presentation of Klarna and Klarna branding.
- Platform plugins: Detail the availability of any pre-built plugins for popular e-commerce platforms (e.g., Shopify, WooCommerce, Magento) that simplify the integration process. Ensure Klarna is presented according to best practices through these plugins.
- Mobile SDK: If Klarna’s Mobile SDK is already built into your mobile solution, let your partners know. If it’s not, explain the requirement for them to integrate Klarna’s Mobile SDK. Provide clear steps to ensure a successful integration, following Klarna’s best practices.
- Physical stores: Provide detailed guidance for Partners on how to enable and implement Klarna in your in-store solutions within their locations.
- Other paths to enabling Klarna: Detail your other products, components, SDKs, and payment method integrations to ensure you’ve clearly explained how to enable Klarna for all partners.
Provide Partners with a link to Klarna-owned platform content at Klarna Docs - Platform integrations.
Provide a comprehensive, step-by-step guide for integrating Klarna:
- Create a Klarna account: Direct your Partners through integrating Klarna by detailing the steps within your ecosystem, including how your resources—such as brand information and customer support channels—will be utilized by Klarna.
- Access Klarna’s Partner portal: Guide them on how to log in to the Klarna’s Portal and access necessary integration tools and documentation. More information in Grant access to Klarna's Partner Portal.
- Configure integration settings: Explain in the context of your integration settings, including API keys, branding options, conversation boosters, disputes, settlements and more.
- Install and configure plugins: If applicable, provide instructions for installing and configuring Klarna plugins on their e-commerce platform.
- Testing the integration: Detail how to conduct sandbox testing to ensure the integration works correctly before going live. Sample test cases are available under Test cases.
- Go-live: Provide steps for transitioning from the sandbox environment to the live environment.
- Post go-live: Clarify how to get support and further optimize Partner integrations.
Ensure any technical requirements specific to Klarna within your integration are included within your broader technical documentation. Especially important is listing supported integrations, linking to relevant API documentation, and providing guidance to ensure Partners provide a secure and safe solution to their customers.
To deliver a seamless experience for integrated Partners, it’s crucial to document interoperability clearly and consistently. This means equipping Partners with the right tools and information to integrate Klarna’s services effectively through your platform.
Interoperability features must be accessible to all integrated Partners. This includes:
- Enabling the correct fields to be transmitted to Klarna through your platform.
- Providing comprehensive documentation that explains the process clearly.
Well-structured documentation helps Partners understand how to utilize Klarna’s functionality in a way that meets both Klarna’s and your platform’s requirements. While key interoperability fields and requirements are outlined in the Interoperability section, the way these are exposed to Partners will depend on your specific integration. Ensure you offer clear mapping and guidance around parameters and implementation methods so Partners can fully benefit from interoperability.
Incorporate a section in your documentation that explains the value of Supplementary Purchase Data (SPD), especially for Partners operating in high-risk verticals. Encourage them to consult Klarna’s resources on how SPD can help increase conversion rates and mitigate fraud risks.
SPD refers to additional transaction-related data that can be shared with Klarna—either directly from Partners or via their Acquiring Partner relationship—to provide a more complete view of the purchase. If your integration supports the transmission of this information, ensure it is forwarded to Klarna accordingly.
Educate Partners on the strategic value of SPD. Further details—including requirements, examples, and technical specifications—are available in the Interoperability section. These guidelines help Partners understand how to structure and submit SPD to fully leverage Klarna’s payment capabilities.
Klarna Express Checkout enhances conversion by enabling a smooth, one-click checkout experience that pre-fills customer details.
By integrating Express Checkout, Partners can display the Klarna payment button on product or cart pages. Customers can then select their shipping address and preferred method directly on Klarna’s review page, allowing them to complete their purchase with a single click. Returning Klarna users benefit from a familiar, trusted experience that reduces friction and boosts confidence during checkout.
On-site messaging increases transparency and improves conversion by clearly communicating available payment options throughout the shopping journey.
This feature allows Partners to display Klarna’s tailored payment messages across their online store, mobile app, or both. Messaging can be placed on product pages, in carts, or on landing pages to inform customers of flexible payment methods before reaching checkout, helping them make informed purchase decisions.
Encourage Partners to enable a faster, more personalized checkout experience early in the customer journey with Sign In with Klarna.
This feature allows customers to authenticate using their Klarna credentials, automatically pre-filling personal details at checkout and reducing friction. It also provides access to user data that can be used for personalization and improved user experiences.
Use the pre-approved messaging below to provide a clear and consistent introduction to Klarna, including an overview of how it benefits both retailers and their customers.
Klarna – The smarter way to shop and pay
Klarna is an AI-powered global payment network and shopping assistant, used by over 100 million shoppers to help them pay smarter. Klarna connects Partners with high-intent shoppers, offering flexible payment options—Pay in full, Installments, and Financing. These options empower customers with more choice and lead to stronger conversion and increased order value.
With seamless payments, advanced marketing tools, and a checkout experience designed to drive engagement, Klarna enables Partners to grow and build lasting customer loyalty. Trusted by 720,000+ Partners, Klarna is redefining how people shop and pay.
Learn more at Klarna.com.
When promoting Klarna to Partners, focus on how Klarna helps grow their business – not only enable payments. Klarna enhances the shopping experience and drives meaningful business outcomes like increased sales, customer retention, and expanded reach. Klarna is more than a payment provider, it's a growth engine that helps Partners drive more sales.
Key benefits for Partners
Use these pre-approved, prioritized proof points and messages when describing Klarna’s value for Partners:
- Drive more sales: Klarna boosts conversion by offering flexible, trusted payment options that align with customer expectations. Partners see up to a 20% increase in conversion rates thanks to a smoother, more convenient checkout experience.
- Boost repeat business: A seamless and secure shopping experience builds loyalty. Klarna Partners report a 46% increase in purchase frequency, driven by trust and convenience.
- Reach new shoppers: Tap into Klarna’s global network of over 100m+ high-intent shoppers. Our in-app placements, campaigns, and marketing tools help increase Partners visibility and discovery across key markets.
- Simplify integration: Built for speed and scale, Klarna’s API-first approach supports effortless integration with platforms like Shopify, WooCommerce, and Magento. Enjoy fast setup, automatic updates, and multi-market flexibility.
- Get paid up front with full protection: As a licensed bank, Klarna assumes both credit and fraud risk—so Partners are paid up front, every time, with full payment guarantees and robust fraud protection.
Messaging guidance: Prioritization
Always lead with business value (what Klarna does for the Partner), not just product features. When crafting messaging, lead with primary messaging and add secondary messaging as necessary - or when placement real estate allows.
| Primary messaging | Business growth outcomes for Partners:
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| Secondary messaging | Klarna’s product features:
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What to avoid as standalone messaging:
Avoid using the following without context or Partner benefit framing:
- “Klarna offers flexible payments” → Add: “…which helps convert more shoppers at checkout.”
- “Klarna has 100m+ users” → Add: “…giving partners a new audience to reach.”
- “Klarna is a licensed bank” → Only relevant when discussing trust, compliance, or seller protection.
Klarna’s product benefits must be tied to commercial value for Partners such as conversions, retention and reach.
When promoting Klarna to Partners, the focus should be on what Klarna helps customers achieve — not just what Klarna is. Klarna empowers smarter, more flexible shopping and spending, with seamless experiences, tailored options, and peace of mind.
Klarna is more than a payment method, it’s a smarter way to shop, save, and manage money.
Key benefits for customers
Use these prioritized proof points and messages when describing Klarna’s value for shoppers:
- Flexible payment options: Klarna gives shoppers the freedom to choose how and when to pay—whether upfront, later, or over time. This flexibility helps customers manage their budgets and reduces purchase hesitation, increasing overall conversion.
- Built-in value through deals and rewards: Shoppers gain access to exclusive cashback offers, deals, and savings tools that encourage smarter, repeat purchases, while reinforcing loyalty.
- Streamlined checkout experience: A fast, intuitive checkout across both mobile and desktop reduces friction and cart abandonment. Pre-filled details and fewer steps mean more completed purchases.
- Trusted security and protection: Klarna builds shopper confidence with buyer protection, real-time fraud monitoring, and easy dispute resolution—helping Partners reduce support burden and build trust.
- Always-on customer support: Shoppers benefit from 24/7 multilingual support for order updates, returns, and account management - all in one place. This results in fewer Partners inquiries and a better post-purchase experience.
Messaging guidance: Prioritization
Always lead with what Klarna helps shoppers achieve — not just what it does.
| Primary messaging | Klarna’s shopper benefits:
|
| Secondary messaging | Klarna’s product features:
|
What to avoid as standalone messaging:
Avoid using the following messages in isolation, without linking them to shopper value:
- “Klarna offers flexible payments” → Add: “Klarna offers flexible payments so you can shop your way — upfront or over time.”
- “Klarna is easy to use” → Add: “Klarna’s user-friendly checkout makes shopping seamless and secure.”
- “No interest” → Add: “Spread the cost at no extra cost — Klarna offers interest-free options when you pay on time.”
- “Cutting-edge security” → Add: “that ensures every transaction is safe and protected.”
Encourage Partners to access Klarna's marketing tools, which includes helpful resources and assets to enhance their integration. In the marketing tools, you'll find:
- Logo lock-ups and Klarna badges: downloadable assets for use in website banners, badges, and branding.
- Pre-approved Klarna messaging: ready-made informational and promotional content that Partners can feature on their websites or in-store.
- Social media kits: ready-to-use materials for quick and easy promotion of Klarna integration on social media platforms.
Use these FAQs to help reduce shopper hesitation at checkout.
For more guidance, visit Klarna’s Partner Support page for help with products, onboarding, and more.
The material you create must be reviewed by Klarna. Please reach out to your dedicated Klarna team for assistance with the review process.
By offering detailed support resources and comprehensive training materials, you empower your Partners to implement Klarna effectively. This not only enhances their store's payment flexibility but also contributes to a better shopping experience for their customers. With the right support and resources, Partners can confidently integrate Klarna, leading to improved customer satisfaction and business growth.