A Payment Account represents a specific Merchant Partner configuration in the Klarna Network ecosystem. It's on the payments flow to define how transactions are processed across the network, connecting a specific set of characteristics from the Merchant Partner, such as a Business Entity and an MCC, to the transactions.

Payment Accounts are created and managed by Acquiring Partners and are used to process transactions on the network, and are assigned a unique Payment Account Reference, which uniquely identifies the Merchant Partner within that Acquiring Partner.

A Payment Account sits under the Payment Product of a Merchant Partner. It can be created during onboarding or later using the createPaymentAccount operation. At least one Payment Account is required to allow a Merchant Partner to process transactions through Klarna’s Payment Products.

• Payment Product: The Payment Account belongs to a Payment Product. Pricing and Payment Program settings are inherited from the Payment Product.
• Partner Business Entity: Defines which Partner Business Entity is offering the services for the consumer on another side of transaction. Defines country or jurisdiction under which laws a Partner is legally incorporated or registered to conduct business.
• Payment Acquiring Account: Determines both:
  • Which Settlement Configuration should be applied to this Partner
  • Which Acquiring Legal Entity is the acquirer counterparty for Payment Transactions under this Payment Account.
• Store Group: Specifies which branding is applied to transactions processed through this Payment Account.
• Payment Transactions: Every Payment Transaction is linked to a specific Payment Account to determine how it’s processed within Klarna’s systems.

Payment Accounts

Copied

GET:/v2/accounts/{partner_account_id}/products/payment/{product_id}/payment-accounts/{payment_account_id}

Response Body

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Parameter	Required	Description
Copied payment_account_reference	Yes	A unique string reference for the payment account, used by the partner to identify the payment account without relying on Klarna-generated IDs.
Copied partner_business_entity_id	Yes	Klarna Resource Identifier (KRN) used to identify the partner business entity.
Copied payment_acquiring_account_id	Yes	Unique account identifier assigned by Klarna to the Acquiring Account.
Copied default_merchant_category_code 0742074307440763078015201711173117401750176117711799274127912842300030013002300330043005300630073008300930103011301230133014301530163017301830193020302130223023302430253026302730283029303030313032303330343035303630373038303930403041304230433044304530463047304830493050305130523053305430553056305730583059306030613062306330643065306630673068306930703071307230753076307730783079308030813082308330843085308630873088308930903094309630973098309931003102310331063110311131123115311731183125312631273129313031313132313331353136313731383143314431453146314831513154315631593161316431653167317031713172317431753176317731783180318131823183318431853186318731883190319131933196319732003203320432063211321232133215321632173218321932203221322232233226322832293231323332343235323632383239324032413242324332453246324732483251325232533254325632593260326132623263326632673280328232843285328632873292329332943295329632973298329933003301330233033308335133523353335433553357335933603361336233643366336833703374337633803381338533863387338833893390339133933394339533963398340034053409341434203421342334253427342834293430343134323433343434353436343734383439344135013502350335043505350635073508350935103511351235133514351535163517351835193520352135223523352435253526352735283529353035313532353335343535353635373538353935403541354235433544354535463547354835493550355135523553355435553556355735583559356035613562356335643565356635673568356935703571357235733574357535763577357835793580358135823583358435853586358735883589359035913592359335943595359635973598359936003601360236033604360736083609361236133614361536173618361936203621362236233624362536263627362836293630363136323633363436353636363736383639364036413642364336443645364636473648364936503651365236533654365536563657365836593660366136623663366436653666366736683669367036713672367336743675367636773678367936803681368236833684368536863687368836893690369136923693369436953696369736983699370037013702370337043705370637073708370937103711371237133714371537163717371837193720372137223723372437253726372737283729373037313732373337343735373637373738373937403741374237433744374537463747374837493750375137523753375437553756375737583759376037613762376337643765376637673768376937703771377237733774377537763777377837793780378137823783378437853786378737883789379037913792379337943795379637973798379938003801380238033804380538063807380838093810381138123813381438153816381738183819382038213822382338243825382638273828382938303831383238333834383538363837383838394011411141124119412141314214421542254411445744684511458247224723478447894812481348144815481648214829489949005013502150395044504550465047505150655072507450855094509951115122513151375139516951725192519351985199520052115231525152615262527152925293530053095310531153315399541154225441545154625499551155215531553255335541554255515552556155715592559855995611562156315641565156555661568156915697569856995712571357145715571857195722572357325733573457355811581258135814581558165817581859125921593159325933593559375940594159425943594459455946594759485949595059605962596359645965596659675968596959705971597259735975597659775978598359925993599459955996599759985999601060116012605060516211630065136520653265336536653765386540701170127032703372107211721672177221723072517261727372767277727872957296729772987299731173217322733373387339734273497361737273757379739273937394739573997512751375197523753175347535753875427549762276237629763176417692769978007801780278297832784179117922792979327933794179917992799379947995799679977998799980118021803180418042804380498050806280718099811182118220824182448249829983518398864186518661867586998734891189318999921192229223931193999402940594060742	Yes	The Merchant Category Code (MCC) is a four-digit number that is used to classify the type of goods or services offered by a business. [Read more here]( https://docs.klarna.com/klarna-network-distribution/manage-partners/onboard-and-manage-p... Show more
Copied default_store_group_id	Yes	A unique identifier assigned by Klarna to an existing store group. Used to reference the store group in Klarna's systems and APIs.

Here you can find all required parameters for this operation getPaymentAccounts

All Payment Account properties are immutable. To make changes, create a new Payment Account using the createPaymentAccount operation.

A Payment Account’s lifecycle is managed internally by Klarna. It transitions between the following states:

Payment Account status reflect the state of the associated Payment Product and therefore cannot be changed through the API.

There are currently no webhooks associated with Payment Account, instead the Payment Product status change webhook should be subscribed to in order to obtain status change notifications.

Create a Payment Account during the Merchant Partner’s onboard flow or afterward using the createPaymentAccount operation. The number and configuration of Payment Accounts depend on how the Merchant Partner is modeled within the Acquiring Partner’s system. For modeling guidance, refer to the Modeling your Partner Account article.

Retrieve all Payment Accounts associated with a Merchant Partner using the getPaymentAccounts operation. There is currently no support for retrieving a single Payment Account by ID or reference.

Because Payment Accounts are immutable, updates require creating a new Payment Account using the createPaymentAccount operation.

Payment Accounts are permanent and can’t be deleted or suspended. In order to disable new transactions from being created, disable the Payment Product instead.

• onboard
• createPaymentAccount
• getPaymentAccounts