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.

• 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.