Payment Products

Payment Products are Klarna's Payments Method offering, applied to a specific Merchant Partner. It contains all configuration and operational resources to enable a Partner Account to utilize Klarna Payments.

The Payment Product object represents Klarna’s Payment Method offering. It defines how a Merchant Partner can use Klarna's Payment Methods, including configuration details such as pricing, enabled payment programs, and merchant-specific settings. These data points are used to define how a Payment Transaction will be priced.

Payment Products are created and managed by Acquiring Partners, and are owned by Merchant Partners who can make use of them to process Payments through Klarna.

Relationships & Dependencies

graph PA(Partner Account) PP(Payment Product) PPA(Payment Accounts) PPR(Payment Profile) PA -->|1..1| PP PP -->|1..n| PPA PP -->|1..1| PPR class PP primaryEntity

Partner Account - A Partner Product belongs to a Partner Account.
Payment Profile – Defines the pricing and payment program used during onboarding.
Payment Account(s) – Represents Partner-specific configuration, including Merchant Category Codes (MCCs), brands, and legal entities.
Payment Program Enablements – Enabling non-standard payment programs, such as Financing 0% APR.

Resource Properties

Payment Products

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

Lifecycle

The Payment Product lifecycle includes the following states:

Status	Definition
`ENABLED`	The product can process new payment requests.
`DISABLED`	The product cannot process new payment requests but can be re-enabled by the Acquiring Partner. Post-purchase actions may still succeed.
`TERMINATED`	The product is disabled by Klarna due to AML, fraud, or risk concerns.

The Acquiring Partner can enable or disable a Payment Product based on operational or compliance needs using the corresponding API calls. Any lifecycle change can be triggered by Klarna and will trigger the corresponding webhooks.

Webhooks

When Klarna triggers a state change for a Payment Product, a webhook is dispatched to the Acquiring Partner, which can be used to synchronize the states between Klarna and the Acquiring Partner systems.

Event name	When	Use cases
`partner.account.change.created`	The status of the payment product is changed by Klarna	Klarna disabled the payment product due to suspected fraud

Example webhook payload

JSON

{
  "metadata": {
    "event_type": "partner.account.change.created",
    "event_id": "baddd96c-c753-4864-a164-e3f9698fe703",
    "event_version": "v1",
    "occurred_at": "2024-02-01T12:00:00Z",
    "subject_account_id": "krn:partner:account:live:2AIMNWR6IYZVD",
    "recipient_account_id": "krn:partner:account:live:2AIMNWR6IYZVD",
    "product_instance_id": "krn:partner:product:payment:0842e683-97d5-462d-99a9-c8e450deb98f",
    "webhook_id": "krn:partner:global:notification:webhook:e708ffdf-3ae3-4e39-831b-c7affd12f897",

Frequent Use Cases

Create a Payment Product

Payment Products are created as part of the onboard Klarna Icon call, the Acquiring Partner must declare the Payment Product as part of the products object. The following parameters are what configure the Payment Product:

Parameter name	Description
`type`	Set to `PAYMENT` to enable Klarna Payments for the onboarded account.
`payment_profile_id`	The Payment Profile identifier obtained from by Klarna.
`payment_accounts`	Object containing Payment Accounts list.

Read a Payment Product

Payment Products can be listed using the listAccountPaymentProducts Klarna Icon operation. All information connected to a payment product will be returned in the response

Update a Payment Product

There is no way to update the data points inside of a Payment Product. The status can be manipulated by using the disableAccountPaymentProductById Klarna Icon or the enableAccountPaymentProductById operations.

Delete a Payment Product

It's not possible to completely delete a Payment Product. In order to disable new transactions from taking place into a Partner Account, the Payment Product should be instead disabled by using the disableAccountPaymentProductById Klarna Icon operation.