API and SDKs
Disable and Enable Partners

Disable Partners at Klarna to block new transactions for being placed due to suspicious activity or voluntary off-boarding.

In order to maintain security, compliance, and operational continuity within the Klarna Network, it's essential to manage the lifecycle of Payment Products on Partners and maintain synchronization between the Acquiring Partner systems and Klarna.

Payment Products control the transaction ability of a Partner Account. The lifecycle diagram below provides detailed insight into these stages:

flowchart LR start((Start)):::teritiaryEntity --> E[ENABLED] E -->|disabled by Acquirer| D[DISABLED] E -->|disabled by Klarna| D D -->|enabled by Acquirer| E D -->|enabled by Partner| E D -->|terminated by Klarna| T[TERMINATED] T -->|re-activated by Klarna| E
StatusDefinition

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 such as dispute management may still function.

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.

Klarna may disable an account based on fraud or other unsavory behavior. More information on this process can be found in the Compliance Decisions section.

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Acquiring Partners play a critical role in safeguarding the Klarna Network. When a Partner Account has a disabled Payment Product, the Partner Account cannot process new transactions but may continue to manage completed payments.

If the Partner is disabled on the Acquirer's systems, the Acquirer also must immediately disable all associated Products to reflect accurate Partner status within Klarna’s systems. This ensures Klarna maintains reliable visibility into Account state and can respond appropriately to customer inquiries. The partner can be disabled for cases such as:

  • They are considered fraudulent
  • Do not comply to regulations
  • Have voluntarily off-boarded from the Acquiring Partner
  • Are compromised e.g. due to an account take over or similar

To disable a Payment Product, use the disableAccountPaymentProductByIdKlarna Icon API operation. You must include a reason parameter:

ReasonDefinition

FRAUD

In case Klarna Product is being disabled due to fraud suspicion. More information on fraud and account security is available in Payments on restricted businesses.

VOLUNTARY

In case the Klarna Product is being disabled due to voluntary cancellation of the account

An optional reason_details field allows additional context about the disablement.

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To restore a Payment Product previously disabled by an Acquiring Partner use the enableAccountPaymentProductByIdKlarna Icon operation. This reactivation process restores the Partner’s integration capabilities and should be used when:

  • A Partner is reinstated
  • The initial fraud concern was false
  • The Partner has changed and become compliant to regulations

Note: Payment Products disabled directly by Klarna cannot be re-enabled via API. Please contact your assigned Klarna representative for support.

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Acquiring Partners have the authority to disable or re-enable Payment Products associated with Partner Accounts when necessary via the API: