​​Klarna is a global leading AI-powered payments network and financial assistant that smooths commerce by offering fairer, more sustainable, innovative solutions. We are committed to providing a seamless and secure shopping experience that helps our customers.

Klarna Payment Services offer a range of debit and credit programs, along with features that enable customers to make purchases online, in physical stores, and via mobile apps. The Klarna Network Rules are the set of terms and conditions that govern the use of Klarna Payment Services.

Within the Klarna Network, Partners have the flexibility to choose to integrate Klarna Payment Services through their preferred licensed and regulated entities authorized to distribute these Services, known as Acquiring Partners.

Who is the target audience? 

The Klarna Integration Guidelines are intended for technical personnel at Klarna Partners and acquiring partners who are involved in implementing or enhancing a Klarna Network Integration. This document acts as a supplement to the Klarna Network Rules, API specifications, and respective Klarna Network Distribution Agreements.

By adhering to the guidelines outlined in this document, all Klarna Partners contribute to a reliable and secure network, benefitting all users of Klarna’s Product Suite. Adherence to these guidelines is crucial for upholding trust, security, and operational excellence across the network.

How should this content be interpreted and implemented?

The Klarna Integration Guidelines are designed to guide you through implementing Klarna in a way that meets all requirements. These guidelines are closely aligned with the Klarna Network Rules, by adhering to these guidelines, you will satisfy all integration requirements.

For partners unable to support the recommended integration path, alternative integration flows are provided. Each alternative path includes clearly defined criteria that must be met. All recommendations within this document should be treated as mandatory.

When are the Klarna Integration Guidelines updated? 

Klarna periodically updates the Klarna Integration Guidelines to ensure accuracy, and operational efficiency. For detailed information on the schedule, process, and communication of these updates, please refer to the Klarna Network Rules.

The definitions outlined within the Klarna Network Rules also apply to this document. In many cases other terms will be defined directly in the text rather than using a glossary to ensure clarity and ease of reference, making it simpler for readers to understand the context without having to cross-reference multiple sections.

Klarna has formed partnerships with a broad array of international Partners to make Klarna's flexible and convenient payment option the default checkout choice for customers worldwide. Each month, millions of customers opt for Klarna for their transactions, both online and in physical stores.

Partners grow their business with our flexible payment option and smart shopping solutions that enable customers to easily and securely pay when and how they want everywhere - online, apps and in physical stores. Klarna accommodates all shopping scenarios, from high-value transactions to everyday purchases and microtransactions. Partners using Klarna see:

• 40% Increase in average transaction value.
• 20% Increase in conversion.
• 45% Higher purchase frequency than average customers.

Klarna elevates the shopping journey from inspiration and intent to checkout and retention. We prioritize streamlining payments for Partners with a simplified checkout process, conversion optimization, and customer identification.

Our dynamic expertise ensures seamless interoperability between products within the Klarna ecosystem, delivering a smooth and consistent customer experience across all integration patterns.

Our offering includes On-site messaging, Express checkout, and Sign in with Klarna alongside marketing services such as affiliation and price comparison search. These features are designed to improve customer experience and Partner sales. To ensure full product interoperability, Acquiring Partners are required to allow all Klarna services in the Product Suite to function seamlessly together following the recommendations in Enable interoperability of Klarna product suite.