Payment Profiles

Payment Profiles connect payment configuration details, such as pricing and product availability, to Payment Products. A single Payment Profile configuration can be shared across multiple Partners under the same Acquiring Partner.

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A Payment Profile connects a Payment Product to a Price Plan and a Payment Program Plan. Klarna creates and manages Payment Profiles and shares them with Acquiring Partners together with API credentials.

By referencing a Payment Profile, multiple Partners under the same Acquiring Partner can share a unified payment configuration. This reduces configuration duplication and ensures consistent pricing and Payment Programs across Payment Products.

Relationships & Dependencies

graph %% Partner objects PA(Partner Account Partner) PAY_PRO(Payment Product) PAY_PROFILE(Payment Profile) PAY_PRICE(Payment Price Plan) PAY_PROGRAM(Payment Program Plan) PAY_ACC(Payment Account) %% Payments TRANSACTION(Payment Transaction) %% Acquiring Partner PA_AP(Partner Account Acquirer) ACQ_PRO(Payment Acquiring Product) %% Partner Payment relationships PA -->|1..n| PAY_PRO PAY_PRO -->|n..1| PAY_PROFILE PAY_PRO -->|n..1| PAY_ACC PAY_ACC -->|1..n| TRANSACTION PAY_PROFILE -.->|defines configuration for| TRANSACTION PAY_PROFILE -->|n..1| PAY_PRICE PAY_PROFILE -->|n..1| PAY_PROGRAM %% Acquiring Partner PA_AP -->|1| ACQ_PRO ACQ_PRO -->|1..n| PAY_PROFILE class PAY_PROFILE primaryEntity class PA tertiaryEntity class TRANSACTION tertiaryEntity

Payment Products: The Payment Profile is referenced by a Payment Product and defines how that product is configured for payments.
A Price Plan: Defines the pricing structure (for example, fees and rates) applied to the Payment Transactions that use this Payment Profile.
A Payment Program Plan: Defines which Klarna Payment Programs the customer will interact with when using this Payment Product.

Resource Properties

Lifecycle

A Payment Profile is a static configuration object managed entirely by Klarna.

Clients do not create, update, or delete Payment Profiles directly.
Klarna creates and maintains Payment Profiles and shares them with Acquiring Partners together with API credentials.
Partners and their systems treat Payment Profiles as read-only references that they select and use when configuring Payment Products.

Webhooks

No webhook or event notifications are currently connected to this resource. Changes to Payment Profiles are managed by Klarna and are not delivered as events to client systems.

Example use cases

Use a Payment Profile during onboarding

When onboarding a Partner Payment Product, you must specify which Payment Profile the product will use. The selected Payment Profile determines:

Which Price Plan is applied to the Payment Transactions for that Payment Product.
Which Klarna Payment Programs customers will see when using that Payment Product.

For details on how to include the Payment Profile in the onboarding payload, see the Prepare the onboarding payload guide.

List available Payment Profiles

To retrieve all Payment Profiles available to an Acquiring Partner and their configuration, execute the listPaymentDistributionProfiles API

operation. A typical response looks like:

JSON

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[
  {
    "payment_profile_id": "krn:partner:global:account:distribution-profile:206bbb83-9b6e-46fa-940d-337153c04a58",
    "price_plan_id": "krn:partner:global:payment:price-plan:171080e7-2637-4675-a224-ec032723ebdf",
    "payment_program_plan_id": "krn:network:global:all:payment:payment-program-plan:33deb549-aa35-4102-b9ec-56c527386111"
  }
]

In this example, only one Payment Profile is available. Its identifier is:

krn:partner:global:account:distribution-profile:206bbb83-9b6e-46fa-940d-337153c04a58

You can then:

Use this payment_profile_id when onboarding a Partner Payment Product.
Ensure that the corresponding Price Plan and Payment Program Plan are applied to all Payment Transactions processed for that Payment Product.

Payment Products

Price Plans

Payment program plans

Prepare the onboarding payload

API & SDK references

List all Payment Profiles.

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