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—such as acquiring accounts, payment profiles, and settlement configurations—and how these components interact to support integration and settlement flows.

Your Partner Account is the entry point to Klarna's acquiring ecosystem. It connects your organization to a Payment Acquiring Product, granting access to Klarna's APIs for onboarding, order management, and settlement configuration.

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 under the most complex acquiring structures, while still having a single entry point to Klarna's APIs.

Currently you cannot read your acquiring product directly, but you can read the different resources associated with your acquiring product:

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 listPaymentDistributionProfilesAPIoperation.

A Payment Acquiring Account links your acquiring legal entity to a specific settlement configuration within Klarna's system.

Each acquiring entity normally has at least one acquiring account. Complex setups may include multiple acquiring accounts, each one connected to a specific legal entity you have.

List all acquiring accounts using the listAcquiringAccountsAPIaction.

When onboarding a Partner, assign the correct acquiring account ID to maintain data integrity within Klarna's system.

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