Streamline partner onboarding with Klarna by using the Onboarding API, ensuring accurate data submission, compliance, and seamless access to Klarna Payment Services.
To start offering Klarna Payment Services to their Partners, Acquiring Partners must first onboard them to Klarna.
During this process, it's crucial to define the appropriate structure based on the Partner's business model, as detailed in the in Determine account structure.
To onboard a Partner, the Acquiring Partner must use the Onboard API endpoint and specify the following parameters:
| Parameter | Description |
|---|---|
partner_account_reference | Reference for the Acquiring Partner in relation to the Partner being onboarded. |
partner_account_name | The name of the Partner Account, business name or similar. |
partner_account_contact | The contact details of the Partner Account owner. |
partner_business_entities | Detailed information about the Partner Business Entities to which the Acquiring Partner is offer Klarna Payment Product. Fore more information, please refer to the Partner Business Entities section |
products | A Payment Profile, defining the pricing plan and payment program used by the Acquiring Partner to onboard a Partner. Payment Accounts defining the default Merchant Category Code, contractual relationship and settlement route between the Partner and the Acquiring Partner.Fore more information, please refer to the Payment Products section |
brands | branding data from the Partner which apply to the store groups defined. Fore more information, please refer to the Partner Stores and Brands section |
store_groups | Stores groups contain the details of the website, mobile app or physical store where Klarna products are going to be made available. Fore more information, please refer to the Partner Stores and Brands section |
Klarna will assess the provided product object to enable the corresponding features. For example, selecting a payment product will activate all related payment services in all markets where Klarna is available, allowing a Partner to offer Klarna as a payment method.
It is essential Acquiring Partners provide all relevant and available Partner information as specified in the data transfer and cooperation agreement with Klarna. Correct and accurately shared data allows Klarna to minimize potential risks and ensure a better experience to all parties. Providing incomplete data increases the perceived risk associated with your Partners.
Sample request
{
"partner_account_reference": "M123786123412",
"partner_account_name": "John Doe Stakehouse",
"partner_account_contact": {
"given_name": "John",
"family_name": "Doe",
"email": "john.doe@example.com",
"phone": "+18445527621"
},
"partner_business_entities": [When a Partner is successfully onboarded with Klarna, Klarna will create an account for the Partner and return an partner_account_id in the onboarding response. At this point, they are ready to begin transacting in all markets where Klarna is available.
Remember to store the partner_account_id associated with the Partner as it is a required parameter for the integration of the Partner product API.
Sample response
{
"partner_account_id": "krn:partner:global:account:test:MABCDEFG",
"partner_account_reference": "M123786123412",
"partner_account_name": "John Doe Stakehouse",
"state": "PARTIALLY_OPERATIONAL",
"state_reason": "INITIAL_SETUP"
}
The example provided here is for illustrative purposes only. The parameters required for onboarding may vary based on your commercial agreement and the parameters available to you.
Integrating Klarna Payment Services requires accurate and complete Partner data to ensure seamless transaction processes and fraud prevention. This section covers the essential steps and protocols activated when discrepancies in Partner data are detected during the onboarding process.
Klarna's Partner management API performs real-time validations on all incoming data. When data fields are missing or incorrect, the system triggers an automated response outlining the specific issues. These validations cover critical information such as business details, tax IDs, and contact information.
During the onboarding, there are some data points and connections that are immutable and cannot be changed. Make sure the information provided is accurate:
Payment Account:
- Connection to Partner Legal Entity
- Connection to Payment Acquiring Account
Payment Product:
- Connection to Payment Profile
Partner Legal Entity:
- Legal registration name
- Legal registration country