Klarna offers Payment Service Providers a global and interoperable platform to become an Acquiring Partners and 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.

Integration Guidelines are a key resource designed to help you implement Klarna with high quality standards — maximizing sales for partners using Klarna through your integration, while minimizing operational costs for both you and your onboarded partners.

Throughout the Integration Guidelines, you’ll find sections marked with one of four requirement classifications: Required, Recommended, Allowed, or Prohibited; defining the level of obligation needed to ensure a compliant, high-quality 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.

This documentation is for developers and product managers at Acquiring Partners who implement, maintain, or enhance Klarna Network integrations, and as an Acquiring Partner, understanding how to build the best performing Klarna integration is essential when integrating Klarna and offering Klarna to your Partners. It provides essential instructions to ensure compliance, security, and optimal performance. Following these guidelines helps maintain the reliability and trust of Klarna’s systems. The Integration Guidelines are regularly updated to reflect technological and policy changes, with update details found in the Klarna Network Rules. Acquiring Partners must stay current and apply updates promptly. All terminology follows the Klarna Network Rules, with additional definitions available in the Glossary for clarity and easier understanding.

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.

Enables global management of merchant lifecycle with Klarna, including easy onboarding and end-to-end Partner Accounts management including:

• Setup you account as Acquiring Partner and get ready to distribute Klarna Services
• Onboarding of new Partners
• Receive automatic notifications for Account lifecycle changes via webhooks
• Pricing management and querying price plans anytime
• Handle the reconciliation process for Klarna Network

Easy access and scalable distribution of the Klarna Product Suite to access all Klarna products and features, enabling:

• Processing of One Time Payments
• Processing of Tokenized Payments
• Implementation of Supplementary Purchase Data
• Support payments on restricted business segments
• Manage transactions after the purchase

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.