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, allowing for flexible configuration, eligibility management, and pricing strategies that align with both Klarna’s and the Partner’s commercial objectives.

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. 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.

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, currency, and channel. 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. Enablement includes attributes such as state, start and end dates, and enablement criteria (for example, a program enabled only for a specific country and time period)

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 Payment Program Plans endpoint to determine which plan is currently active. The response contains past and future Payment Programs Plans as well.

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. This includes Klarna's Payment Programs by customer_country together with the enablement_type, which defines how each program is made available:

• PRESET - the Payment Programs is enabled by default
• OPTIONAL - the Payment Program is is not enabled by default and requires the Partner to opt in.

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"
  }
} 

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.

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.