With this integration path:

• Partners are responsible for building the payment form and selector.
• Acquiring Partners must support this by:
  
  • Documenting Klarna’s presentation requirements.
  
  • Ensuring API compatibility with Klarna's Payment Presentation API
  

Acquiring Partners must:

• Include Klarna’s official presentation requirements in their documentation.
• Ensure that Partners implement these requirements properly.
• Refer to Klarna’s documentation for how to present Klarna.

If an Acquiring Partner provides an API for retrieving payment methods, it must:

• Accept interoperability_token and interoperability_data in requests.
• Use Klarna’s Payment Presentation API to fetch the most up-to-date Klarna content.
• Include Klarna-specific display instructions and assets (labels, icons, etc.) in the API response sent to Partners.

Klarna uses interoperability_token and interoperability_data to ensure all information and context associated with a Payment Transaction is preserved throughout the journey of a customer. These must be forwarded accurately.

Below an example of how Acquiring Partners can accept the interoperability parameters in their Get Payment Method API endpoint.

Sample request

{
  "currency": "USD",
  "amount": 17800,
  "locale": "en-US",
  "payment_method_options": {
    "klarna": {
      "interoperability_token": "eyJhbGciOiJ...",
      "interoperability_data": "****"
    }
  }

You should name these fields clearly, using either:

• klarna_interoperability_token / klarna_interoperability_data, or
• interoperability_token / interoperability_data (in Klarna-specific context).

This ensures easy identification for any Partner.

Parameter validation guidelines

As those parameters can change over time and are versioned so that the third party integration continues to work, Acquiring Partners need to respect these guidelines if they wish to validate parameters:

• interoperability_token: JWT (≤ 8192 characters)
• interoperability_data: stringified JSON object (≤ 10240 characters)

Do not modify the values. Forward them exactly as received.

The Klarna Payment Presentation API enables Acquiring Partners to retrieve Klarna-branded presentation assets (e.g. button text, icons, descriptors) tailored to a specific payment context. These assets help Partners render Klarna in compliance with Klarna’s brand and UX guidelines.

Request

Sample request

{
  "locale": "en-US",
  "amount": 11836,
  "currency": "USD",
  "intents": ["PAY"]
}

Response

Sample response

{
  "instruction": "SHOW_KLARNA",
  "payment_button": {
    "text": "Pay with Klarna"
  },
  "descriptor": {
    "header": {
      "text": "Pay with Klarna"
    },
    "subheader": {

Your API response (e.g., for Get Payment Methods) should include Klarna-specific payment presentation data so your Partner can render the payment method correctly.

You have two options:

1. Map Individual Fields : Extract and structure the response from Klarna’s Payment Presentation API and map relevant keys (e.g., descriptor, payment_button) into your API response format.
2. Serialize the Entire Response : Alternatively, you may populate a single field—klarna_payment_presentation_data—with a serialized version (e.g., JSON string) of the full response obtained from Klarna’s Payment Presentation API. This avoids the need to map each field individually.

{
  "paymentMethods": [
    {
      "name": "VISA",
      "type": "scheme"
    },
    {
      "name": "Pay with Klarna",
      "type": "klarna",
      "klarna_payment_presentation_data": "{\"instruction\":\"SHOW_KLARNA\",...}"

You may structure the response to fit your API format, but ensure that the Klarna presentation data is clearly identifiable. Use a field name like:

• klarna_payment_presentation_data
• or payment_presentation_data (when used specifically for Klarna)

This makes it easy for Partner integrations to parse and use Klarna presentation data dynamically.

• Include Klarna presentation rules in your documentation
• Support interoperability_token and interoperability_data in your APIs
• Forward these values unaltered to Klarna’s APIs
• Use Klarna’s Payment Presentation API to fetch assets
• Return Klarna’s presentation data to your Partners in a consistent format.
• Optionally serialize the full response from the Payment Presentation API into klarna_payment_presentation_data