Manage your Acquiring Partner setup for seamless integration with Klarna, ensuring proper settlement setups and efficient operations.
This article explains how an Acquiring Partner manages and configures their Partner Account within Klarna’s system. It provides a conceptual understanding of the resources connected to your account and how these components interact to support integration and settlement flows.
Your Partner Account is the entry point to Klarna’s acquiring ecosystem. It comes configured with a Payment Acquiring Product, granting access to Klarna’s APIs both to manage your own account and also onboard, manage and operate your partner's accounts.
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Your Payment Acquiring Product allows you to use all Klarna's APIs as an Acquiring Partner. It contains all different configuration pieces that allow you to operate under even the most complex acquiring structures, for example with multiple legal entities or complex settlement configurations, while still having a single entry point to Klarna's APIs.
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A Payment Profile defines the combination of a price plan and payment program plan used when onboarding a Partner.
You can retrieve all available payment profiles using the listPaymentDistributionProfiles operation.
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A Payment Acquiring Account links your acquiring legal entity to a specific settlement configuration within Klarna’s system.
Each acquiring entity has at least one acquiring account. Complex setups may include multiple acquiring accounts, each one connected to a specific legal entity you have.
When onboarding a Partner, assign the correct acquiring account ID to make sure settlements flow correctly and maintain data integrity within Klarna’s system.
For example, an acquiring partner operating with specific legal entities in the EU and US regions will have two Acquiring Accounts, one for each legal entity, and each connected with its own settlement configuration. When onboarding a EU sub partner, the EU acquiring account should be used. In case the partner also operates globally with multiple legal entities, both entities can be connected to the same partner, as explained here.
All acquiring accounts can be listed using the listAcquiringAccounts action.
These resources work together to define how orders are settled and distributed:
- Settlement configuration – defines how funds flow between Klarna and acquiring partners.
- Price plans – Contain the pricing information, price rates and such
- Payment program plans – Connect the different Klarna payment programs to the merchant