Payment Program Enablement allows partners to opt in to specific programs like Financing 0% APR, with instant API activation and no manual review process.
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Payment Program enablement refers to the process and state when a Partner opts in to a specific payment program that is not part of the standard offering, such as Financing 0% APR.
Enablement includes attributes such as state, start and end dates, and enablement criteria. This will allow support for enabling options only for a specific customer country and time period. For example, a Partner might want to enable Financing with 0% APR during Black Friday week only.
Enabling a Payment Program via API is instant and requires no manual review process.
Learnings:
Most Klarna Payment Programs are part of the Standard Offering. Sub-partners receive these automatically or can enable them via the Payment Programs Public API.
However, there is a subset of Restricted Payment Programs that require additional approval. For example, Financing 0% and Interest-bearing Financing in the UK requires Klarna to manually verify the partner’s Financial Conduct Authority (FCA) licence.
To enable these Restricted Payment Programs, a request must be raised through your Klarna Business Developer.
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- List requirements: credentials, environments, permissions, SDKs, etc.
- Link to setup or configuration pages if needed.
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To opt-in for an optional Payment Program, Acquiring Partners must create a Payment Program Enablement on behalf on their Partners by using this endpoint
payment_program_id provided in the response of Step 2.
Enabling a Payment Program via API is instant and requires no manual review process.
For example to enable Financing 0% APR for customers based on Sweden you would implement the following request.
Sample request
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"payment_program_id": "krn:network:global:all:payment:payment-program:e7eb676e-cc4b-4e7a-902a-35a1186b8024",
"enablement_criteria": {
"customer_countries": [
"SE"
],
"merchant_category_codes": [
"0742"
]
}
} Sample response
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"payment_program_id": "krn:network:global:all:payment:payment-program:e7eb676e-cc4b-4e7a-902a-35a1186b8024",
"payment_program_enablement_id": "krn:network:global:test:payment:payment-program-enablement:53e38cdd-0711-4c65-9152-121758bb4657",
"enablement_criteria": {
"customer_countries": [
"SE"
],
"merchant_category_codes": [
"0742"
]
}
} Restricted Payment Programs as Financing 0% and and interest-bearing Financing in the UK can only be enabled by Klarna. To raise a request, please contact your Klarna Business Developer 🇬🇧 .
To opt-out from an optional Payment Program, Acquiring Partners can delete the previously created Payment Program Enablement by using this endpoint
Deleting a Payment Program Enablement via API is instant and requires no manual review process.
The "Update a Payment Program Enablement" will be available in a future release.
Until then, if you want to update any configurations for an existing Payment Program Enablement, you delete it and create a new one with the new configurations you need.
Using this endpoint
The response may contain past, current and future Payment Programs Enablements. If you haven't sent a Create a Payment Program Enablement
Sample request
GET /v2/accounts/{partner_account_id}/products/payment/payment-programs/payment-program-enablements
Sample response
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"payment_program_enablements": [
{
"payment_program_id": "krn:network:global:all:payment:payment-program:11cb810d-109e-4a5c-bf2d-0f50ccff779c",
"payment_program_enablement_id": "krn:network:global:test:payment:payment-program-enablement:d6a6f5fb-657a-4a4f-bc1e-9ba6f027e14d",
"enablement_criteria": {
"customer_countries": [
"DE"
],
"merchant_category_codes": [
"0742"
]
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How to confirm the implementation works correctly (logs, endpoints, test environments).
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Common errors, debug tips, or FAQ for this specific flow.
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Links to deep-dive or checklist pages for continuation.