Payment Products

Payment Products are Klarna's Payments offering, applied to a specific 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 offering. It defines how a Partner can use Klarna's Payments, including which payment programs are enabled and pricing.

Payment Products are created and managed by Acquiring Partners on the onboarded Partner Accounts, and are used whenever Payments need to be processed or managed for a given Partner.

Relationships & Dependencies

flowchart %% Partner Accounts PA(**Partner Account**<br>Partner) %% Products PAY_PRO(Payment Product) %% Payment Product resources PAY_ACC(Payment Account) PAY_PROFILE(Payment Profile) PAY_PROGRAM_ENABLE(Payment Program Enablements) %% Payments TRANSACTION(Payment Transaction) %% Partner Account PA -->|1..1| PAY_PRO %% Payment Product to configuration PAY_PRO -->|1..n| PAY_ACC PAY_PRO -->|n..1| PAY_PROFILE PAY_PRO -->|1..n| PAY_PROGRAM_ENABLE %% Payment Product and Payments relationships PAY_ACC -->|1..n| TRANSACTION PAY_PROFILE -.->|defines configuration for| TRANSACTION PAY_PROGRAM_ENABLE -.->|defines configuration for| TRANSACTION class PAY_PRO primaryEntity class PA tertiaryEntity class TRANSACTION tertiaryEntity

Partner Account - A Partner Product belongs to a Partner Account, representing a company that is utilizing Klarna Payments to sell goods to consumers.
Payment Profile – Defines the pricing and payment program applied to transactions placed on this Payment Product.
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

Show recommended

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 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.

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",
    "live": true
  },

Frequent Use Cases

Create a Payment Product

Payment Products are exclusively created as part of the onboard Klarna Icon call. The Acquiring Partner must declare the Payment Product as part of the products object, and a Payment Product must be created for all Partners being onboarded to Klarna Payments.

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. The read endpoint can be used after onboarding to obtain the list of Payment Accounts and to identify which Payment Profile was configured on a Payment Product.

Update a Payment Product

There is no way to update the data points inside of a Payment Product. In case there is a change of status on the Acquiring Partner side, this change can be reflected at Klarna by using the disableAccountPaymentProductById Klarna Icon or the enableAccountPaymentProductById operations and it should be applied as soon as there are changed on the Acquiring Partner systems.

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, and should be called whenever the Partner is disabled on the Acquiring Partner systems.