One time payments overview

Discover Hosted Checkout Pages with embedded elements for managed payment selection and Server-side integration for full API control.

To implement Klarna’s payment flows effectively, Acquiring Partners can choose between different integration paths based on the solutions they offer to their Partners. Such solutions are generally categorized as two main interaction journeys:

Hosted checkout forms and embedded checkout elements: When Partners are redirecting their customers to a hosted checkout form or loading an embedded checkout element from the Acquiring Partner. This integration path requires the Acquiring Partner to implement a combination of Klarna’s SDK and APIs to process transactions.

sequenceDiagram autonumber participant C as Customer participant P as Partner participant AP as Acquiring Partner participant K as Klarna C->>P: Proceed to checkout P->>AP: Request a checkout session AP-->>P: Respond request P->>AP: Load the checkout form AP-->>P: Respond request AP->>K: Retrieve presentation instruction via SDK K-->>AP: Respond request C->>AP: Select Klarna and click on the Pay button AP->>K: Call Authorization API K-->>AP: Respond request AP->>K: Initiate Klarna Purchase Journey with Klarna SDK K-->>C: Klarna Purchase Journey C->>K: Complete purchase K-->>AP: Webhook AP->>K: Call Authorization API K-->>AP: Respond request AP->>C: Redirect the customer to Partner confirmation page

Server-side only integration: When Partners are creating their own checkout form and uses the Acquiring Partner’s API to list available payment methods and obtain a payment url to redirect their customers to. The integration between the Acquiring Partner and Klarna is solely API-driven.

sequenceDiagram autonumber participant C as Customer participant P as Partner participant AP as Acquiring Partner participant K as Klarna C->>P: Proceed to checkout P->>P: Load the checkout form P->>K: Retrieve presentation instruction through SDK/ API K-->>P: Respond request C->>P: Select Klarna and click on the Pay button P->>AP: Request a payment session AP-->>P: Respond request AP->>K: Call Authorization API K-->>AP: Respond request P->>K: Initiate Klarna Purchase Journey with Klarna SDK K-->>C: Klarna Purchase Journey C->>K: Complete purchase K-->>AP: Webhook AP->>K: Call Authorization API K-->>AP: Respond request AP->>C: Redirect the customer to Partner confirmation page