Integration Guidelines are a key resource designed to guide you through how to implement Klarna on high quality to maximize sales of partners using Klarna through your integration, while minimizing operational cost for you and partners onboarded.

In each section of Integration Guidelines you will be guided through to integrate Klarna in optimal way and inline with Klarna Network Rules.

Throughout Integration Guidelines you will find sections marked with the following tags based on the guidance importance to achieve a high quality and compliant integration:

By following the guidance outlined in Integration Guidelines, Acquiring Partners ensure the integrity and success of their integration of Klarna’s global payment method.

Klarna offers a global and interoperable platform designed to support partner management, transaction processing, post-purchase operations, and conversion rate optimization. Powered by the Web SDK and supported by extensive JavaScript SDK capabilities alongside Management and Partner Product APIs, this platform ensures optimized conversion with low operating cost.

As an Acquiring Partner, understanding how to build the best performing Klarna integration is essential when integrating Klarna and offering Klarna to your Partners.

For Acquiring Partners unable to support the primary integration path, Klarna provides alternative integration flows, each with clearly defined criteria and prerequisites. These alternatives are Allowed for applicable partners and they are Prohibited as shortcuts. All integration paths, including alternatives, must be implemented exactly as described to ensure compliance and full functionality.

This documentation is intended specifically for developers and product managers contributing at Acquiring Partners responsible for implementing, maintaining, or improving a Klarna Network integration. Whether setting up a new connection or optimizing an existing one, this guide provides essential instructions to achieve compliance and maximize integration performance.

Adhering to these guidelines helps preserve the trust, security, and operational efficiency of the Klarna Network. Every compliant integration strengthens the reliability of the system, benefiting all users of Klarna’s product suite.

The Klarna Integration Guidelines are periodically reviewed and updated to reflect changes in technology, policy, and operational practices. Information regarding the update process, version schedules, and communication of changes can be found in the Klarna Network Rules. Acquiring Partners must remain informed and implement changes promptly to maintain compliance.

All definitions stated in the Klarna Network Rules are also apply to this documentation. However, for clarity and ease of reference, additional terms may be defined directly within the content and all definitions are available via our Glossary. This approach eliminates the need for cross-referencing and enables quicker comprehension of technical concepts in context.

Klarna Network Principles are six cornerstones of Klarna’s operational framework, embodying Klarna’s core values and standards. The principles set the foundation to ensure that the Klarna Payment Services are reliable, secure, and adaptable to the evolving needs of all Klarna Partners and Customers. By adhering to these principles, all relevant parties commit to maintaining the highest quality of integration and cooperation, creating a seamless and trustworthy Klarna Network.

Each integration must meet the following principles:

Klarna is committed to providing a safe and secure shopping experience to our +100 million Customers. As part of the Klarna Network, you play a vital role in maintaining this trust. We expect all Klarna Partners to treat security, safety, disputes and fraud prevention as a top priority to maintain Klarna’s strong reputation as a highly trusted Customer brand.

Klarna Payment Services enable great experiences for Customers in every checkout. By empowering seamless, flexible, and fair commerce, Klarna connects Customers and Partners efficiently to drive value for both. The trust we have earned from Customers globally means Partners can confidently offer Klarna in every checkout, knowing we help deliver the best possible purchase experience and support your growth.

Klarna’s goal is to ensure that integrating Klarna is simple and straightforward and that the integration follows the industry’s standard practices. Klarna Payment Services must be equally accessible and follow the same integration pattern as any other payment methods offered by the Acquiring Partner. To maintain a consistent and high-quality experience across the Klarna Network, the Acquiring Partner must support all functionality outlined in these Integration Guidelines.

Klarna offers a wide range of services from its Product Suite such as Klarna Payment Services, Klarna Express Checkout, On-site Messaging, and Sign in with Klarna amongst others. Klarna’s Product Suite is designed to work together to improve Customer experience and Partner sales. To ensure full product interoperability, the Acquiring Partner is required to build its integration to Klarna Payment Services in a way which enables all Klarna services in the Product Suite to function seamlessly together.

The Klarna Payment Services are built to offer a predictable, highly performing, and smooth shopping experience for Customers and drive an increase in sales for Partners. Acquiring Partners implementing Klarna Payment Services are required to undergo a review of the  Customer shopping experience, which requires Klarna's prior approval before the Klarna Payment Services integration is completed. By following the Integration Requirements and Recommendations defined in these guidelines, the best performance of the Klarna Payment Services will be ensured.

The Klarna Payment Services offers a range of debit and credit payment programs, giving Customers the freedom to choose how they want to pay in accordance with their preferences while ensuring compliance and fulfillment of regulatory requirements. Klarna Partners who offer Klarna Payment Services are required to support the complete range of payment programs made available to such Klarna Partner.

Global management of merchant lifecycle with Klarna, optimizing performance and unlocking ubiquity:

• Easy onboarding and end-to-end Partner Accounts management including:
  • Global support by design
  • Onboarding and offboarding
  • Pricing management and querying price plans anytime
  • Integrated, automated, transparent fraud management enabling the ability to operate in real time
  • Immediate automatic notifications via webhooks
  • Flexibility of settlements and reconciliation process

Easy access and scalable distribution of the Klarna Product Suite through:

• Single API suite to access all Klarna products and features, enabling:
  • Payment API (Authorization, Request, Transaction)
  • Notifications API (Webhooks and signing keys)
  • Messaging API (Descriptors and Dynamic placements)
  • Settlements API
  • Disputes API
• Global harmonized endpoint
• Authentication for all features