Payment Products

Manage Klarna Payment Products seamlessly by understanding their lifecycle stages, onboarding process, and enabling or disabling options for security and efficiency.

During onboarding, the Acquiring Partner grants the Partner access to the Klarna Payment Product which consists of:

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.

The Acquiring Partner will need to send the following parameters when declaring the products in the onboarding call to Klarna

Parameter name	Description
`type`	set to `PAYMENT`, the payment product enables Klarna Payment on the onboarded account
`payment_profile_id`	The payment profile identifier. It defines the pricing plan and payment program used to onboard the partner. This identifier will be communicated by Klarna to the Acquiring Partner
`payment_accounts`	Payment accounts connect various configurations, such as the Partner Business Entity, the Payment Acquiring Accounts Klarna Created for the Acquiring Partner, and the default Merchant Category Code for the Partner Business Entity: `payment_account_reference` : Unique reference the partner uses to identify a payment account `payment_acquiring_account_id` : Unique account identifier assigned to a Payment Acquiring Account Klarna created for the Acquiring Partner `default_merchant_category_code` : The four-digit number that is used to classify the type of goods or services offered by a business. A default Merchant Category Code must be assigned per payment account. `partner_business_entity_reference` Unique reference the partner uses to identify a business entity defined in the . See Partner Business Entities for more information. `default_store_group_reference` : Unique reference the partner uses to identify a store group. See Partner Stores and Brands for more information

Sample request - products submitted when onboarding a Partner

JSON

{
  ...    
  "products": [
    {
      "type": "PAYMENT",
      "payment_profile_id": "krn:partner:global:account:payment-profile:206bbb83-[...]",
      "payment_accounts": [
        {          
          "payment_acquiring_account_id": "krn:partner:global:payment-acquiring-account:b44b[...]327502",
          "payment_account_reference": "REF995847",

Once the onboarding is successful, the Acquiring Partner can list the payment products which were created for the partner account using the List Payment Products APIAPI endpoint.

In addition to the parameters submitted in the onboarding request, Klarna will also return the following identifiers in the response to this API call.

Payment Products

API

GET:/v2/accounts/{partner_account_id}/products/payment

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Parameter	Required	Description
`state`	Yes	The current state for the Payment Product
`product_id`	Yes	A unique identifier assigned by Klarna to this product. Used to reference the product in Klarna's systems and APIs.
`type`	Yes	The type of product available to the merchant or partner. Values: PAYMENT: Klarna's payment services
`payment_profile_id`	Yes	The payment profile identifier. Previously known as Distribution Profile ID
`payment_accounts`	Yes	List of Payment Accounts. Payment accounts connect a set of configuration data points to an integrator-defined reference that can be used to operate Klarna's payment products.
`-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.
`-partner_business_entity_id`	Yes	Klarna Resource Identifier (KRN) used to identify the partner business entity.
`-payment_acquiring_account_id`	Yes	Unique account identifier assigned by Klarna to the Acquiring Account.
`-default_merchant_category_code`	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
`-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.
`state_reason`	Yes	Additional state information when the Payment product state is `ENABLED`

Here you can find all required parameters for this operation listAccountPaymentProducts

API

Sample response - List Payment Product

JSON

[
  {
    "product_id": "krn:partner:global:account:product:payment:ad71bc48-8a07-4919-a2c1-103dba3fc918",
    "type": "PAYMENT",
    "payment_profile_id": "krn:partner:global:account:payment-profile:206bbb83-[...]",
    "payment_accounts": [
      {
        "payment_account_id": "krn:partner:global:payment-account:test:3440b9b7-7ca2-44a3-8f62-776caacdaa0b",
        "status": "ENABLED",
        "payment_acquiring_account_id": "krn:partner:global:payment-acquiring-account:b44b[...]327502",

If an onboarded Partner Account has multiple Payment Accounts created, the Acquiring Partner will need to specify which payment account must be used when utilizing the Payment Product APIs for the corresponding partner_account_id.