The Payment Programs API enables Acquiring Partners to manage and configure Payment Programs within the Klarna Payments Network. Payment programs represent the core consumer value propositions Klarna offers to Partners, such as "Pay in N", "Financing" and "Financing 0% APR".

Once a Partner is onboarded with standard offering, Payment Programs API will allow Acquiring Partners to list and read payment programs configuration as well as enabled optional payment programs.

A Payment Program defines the specific consumer value proposition Klarna shares with Acquiring Partners. It groups together payment options that deliver a similar value to the customer, maintain consistent pricing from the Partner’s perspective, and share key requirements. "Pay in Full", "Pay Later in 30 Days", "Pay in N", and "Financing" are some of Klarna's Payment Programs.

Payment programs are not tied one-to-one with the payment options visible to customers; instead, they abstract similar offerings under a unified structure for easier management and pricing. For example, the Payment Program "Pay in Full" can include multiple options, such as Pay by Card and Direct Bank Transfer.

The Payment Program plan is a matrix that determines which Payment Programs are available for a given transaction, based on factors such as Merchant Category Code (MCC), country and currency. It also defines which programs a Partner can subscribe to when eligibility conditions are met. Klarna manages the standard payment method offering through the payment program plan, while Acquiring Partners may adapt the plan for specific Partners.

Payment Program enablement refers to the process and state when a Partner opts in to a specific payment program that is not part of the standard offering, such as Financing 0% APR.

Enablement includes attributes such as state, start and end dates, and enablement criteria. This will allow support for enabling options only for a specific country and time period. For example, a partner might want to enable Financing with 0% APR during Black Friday week only.

You can use the following API endpoints to support your Partners:

Acquiring Partners can:

• List Payment Program Plans
• List all Payment Programs for a Payment Program Plan
• Read a Payment Program details

Acquiring Partners can do the following on behalf of the sub partner:

• Create a Payment Program Enablement (Partner opt-in)
• List all Payment Program Enablements (Partner opt-ins)
• Read a Payment Program Enablement
• Delete a Payment Program Enablement (Partner Opt-in)

Use this List Payment Program Plans endpoint to determine which plan is currently active for your Acquiring Partner Account. The response contains past and future Payment Programs Plans as well.

Please note that, the Payment Program Plans are pre-defined by Klarna for your Acquiring Partner Account, they are not specific to an individual Partner Account that you onboard for your sub-partners.

Sample response

  "payment_program_plans":[
    {
      "payment_program_plan_id":"krn:network:global:all:payment:payment-program-plan:33deb549-aa35-4102-b9ec-56c527386111",
      "name":"Klarna Standard Payment Program Plan",
      "versions":[
        {
          "version":1,
          "effective_from":"2025-05-01T00:00:00Z",
          "effective_to":"2026-12-31T12:00:00Z",
          "comment":"Currently Active"

Use this endpoint to list all Payment Programs available for the current active plan.

The response to this request will include a list of all Payment Program available for your Acquiring Partner account.

Path parameters

Sample response

  "payment_program_plan_id":"krn:network:global:all:payment:payment-program-plan:33deb549-aa35-4102-b9ec-56c527386111",
  "payment_programs":[
    {
      "payment_program_id":"krn:network:global:all:payment:payment-program:e761e20e-844d-4516-b21a-4de1d345ffc4",
      "name":"Pay Later",
      "merchant_category_code":"0742",
      "customer_country":"SE",
      "transaction_currency":"SEK",
      "enablement_type":"PRESET"
    },

Acquiring Partners can optionally retrieve Payment Program details by using this endpoint to access the human-readable name and founding type of each Payment Program.

Path Parameters

Sample Request

GET /payment-programs/krn:network:global:all:payment:payment-program:e761e20e-844d-4516-b21a-4de1d345ffc4.

Sample response

  "name":"Financing 0% APR - 3 months",
  "description":"Financing with a 0% Annual Percentage Rate (APR) for 3 months.",
  "payment_funding":{
    "type":"GUARANTEED"
  }
} 

Using this endpoint will return a history of all previous payment program enablement requests for an specific Partner Account ID.

The response may contain past, current and future Payment Programs Enablements. If you haven't sent a Create a Payment Program Enablement before for the specific Partner Account, the response would be empty.

Sample request

GET /v2/accounts/{partner_account_id}/products/payment/payment-programs/payment-program-enablements/{payment_program_enablement_id}

Sample response

  "payment_program_enablement_id": "krn:network:global:all:payment:payment-program-enablement:4cfc200a-8f19-4d99-99cc-355bbd915e7b",
  "payment_program_id": "krn:network:global:all:payment:payment-program:a5cd46f7e-573d-4b02-bab8-1f1c0e343291",
  "enablement_criteria": {
    "markets": [
      {
        "customer_country": "SE",
        "transaction_currency": "SEK"
      },
      {
        "customer_country": "NO",

To opt-in for an optional Payment Program, Acquiring Partners must create a Payment Program Enablement on behalf on their Partners by using this endpoint. For this request it is necessary to fetch the payment_program_id provided in the response of Step 2.

For example to enable Financing 0% APR during Black Friday period for customers based on Sweden you would implement the following request.

Sample request

  "payment_program_id":"krn:network:global:all:payment:payment-program:a5cd46f7e-573d-4b02-bab8-1f1c0e343291",
  "enablement_criteria": {
    "markets": [
      {
        "customer_country": "SE",
        "transaction_currency": "SEK"
      }
    ],
    "merchant_category_codes": [
      "0742"

Sample response

  "payment_program_enablement_id":"krn:network:global:all:payment:payment-program-enablement:4cfc200a-8f19-4d99-99cc-355bbd915e7b",
  "payment_program_id":"krn:network:global:all:payment:payment-program:a5cd46f7e-573d-4b02-bab8-1f1c0e343291",
  "enablement_criteria": {
    "markets": [
      {
        "customer_country": "SE",
        "transaction_currency": "SEK"
      }
    ],
    "merchant_category_codes": [

To opt-out from an optional Payment Program, Acquiring Partners can delete the previously created Payment Program Enablement by using this endpoint.