To start offering Klarna Payment Services to their Partners, Acquiring Partners must first onboard them to Klarna.

During this process, it's crucial to define the appropriate structure based on the Partner's business model, as detailed in the in Determine account structure.

To onboard a Partner, the Acquiring Partner must use the Onboard API endpoint and specify the following parameters:

Selecting a payment product will activate all related payment services in all markets where Klarna is available, allowing a Partner to offer Klarna as a payment method.

It is essential Acquiring Partners provide all relevant and available Partner information as specified in the data transfer and cooperation agreement with Klarna.

Sharing correct and accurate data allows Klarna to perform a better assessment of the risk associated with your Partners, enabling a safer experience to all parties.

It's also important to have in mind the following about the onboarding properties:

• References should map to the identifier for the same object type on the Acquiring Partner systems. These identifiers can be used later on to integrate to other parts of the Klarna APIs
• Some identifiers are setup and provided by Klarna and must be configured on the integration. For example, Klarna will provide Payment Profile IDs and Acquiring Account IDsthat match the required complexity on the Acquiring Partner structure.

Sample request

{
  "partner_account_reference": "M123786123412",
  "partner_account_name": "John Doe Stakehouse",
  "partner_account_contact": {
    "given_name": "John",
    "family_name": "Doe",
    "email": "john.doe@example.com",
    "phone": "+18445527621"
  },
  "partner_business_entities": [

When a Partner is successfully onboarded with Klarna, Klarna will create an account for the Partner and return an partner_account_id in the onboarding response. At this point, they are ready to begin transacting in all markets where Klarna is available.

Sample response

{
  "partner_account_id": "krn:partner:global:account:test:MABCDEFG",
  "partner_account_reference": "M123786123412",
  "partner_account_name": "John Doe Stakehouse",
  "state": "PARTIALLY_OPERATIONAL",
  "state_reason": "INITIAL_SETUP"
}

The example provided here is for illustrative purposes only. The parameters required for onboarding may vary based on your commercial agreement and the parameters available to you.

Once the onboarding is executed, the account is ready to transact, but might still be set up in Klarna systems, the details about this process is available on the Account Lifecycle Webhooks page.

During the onboarding, there are some data points and connections that are immutable and cannot be changed. Make sure the information provided is accurate:

Payment Account:

• Connection to Partner Legal Entity
• Connection to Payment Acquiring Account

Payment Product:

• Connection to Payment Profile

Partner Legal Entity:

• Legal registration name
• Legal registration country

Integrating Klarna Payment Services requires accurate and complete Partner data to ensure seamless transaction processes and fraud prevention. This section covers the essential steps and protocols activated when discrepancies in Partner data are detected during the onboarding process.

Klarna's Partner management API performs real-time validations on all incoming data. In most of the cases when data fields are missing or incorrect, the system triggers an automated response outlining the specific issues. These validations cover critical information such as business details, tax IDs, and contact information.

Whenever incomplete or invalid data for a brand is submitted during the onboarding, Klarna will trigger a account brand data incomplete webhook to which you can subscribe to:

The partner.account.brand.data-incomplete webhook event will notify Partners when the brand data submitted during account onboarding is invalid and any invalid or incomplete brand will be removed, while valid brand information will be persisted.