Klarna Docs - Customer data requirements for authorize()

Customer data requirements for authorize()

This section describes the customer data we require to place an order, depending on the purchase country.

Why do we care?

As we offer credit to your customers, we need to have enough data to do a proper risk and fraud assessment. This is only possible if we have high-quality customer data in a standardized format.

Klarna’s services may not be used by businesses registered or operating in some jurisdictions. Additionally, Klarna’s services may not be used to process payments for the sale of goods or services shipping from, or for the purchase of goods that would be shipped to consumers with a billing or shipping address in the specific regions.

See full list of Prohibited Jurisdictions and Regions here

Finally, but not less important, we also need to manage customer data to ensure the best customer experience in the order management process.

Ensure customer information is not sent before confirming the intention to pay with Klarna to remain GDPR compliant. This confirmation typically occurs at the time of authorization.

Adding billing and shipping address

Klarna payments API can handle both billing and shipping addresses separately. If you don't provide a shipping address, we duplicate the billing address and use it as the shipping address in our customer data.

Risk assessment

During our assessment, the fraud risk might be higher if:

The billing and shipping addresses are different.
The customer of the billing and shipping addresses is different.

Adding customer data throughout the session

The customer data you send us in later calls after authorize() is merged with the data you entered previously.

Data per country

Depending on the data standards of each country, we require different information per country market. To ensure a friendly customer experience, you need to properly provide the customer details in the mandatory fields.

street_address2 is only to add extra details to the address, such as the floor and the apartment number. Send the main address information in the regular street_address field.

The following Unicode blocks are supported for all markets except Greek

BASIC_LATIN
LATIN_1_SUPPLEMENT
LATIN_EXTENDED_A
PHONETIC_EXTENSIONS

The following Unicode blocks are supported for the Greek market

BASIC_LATIN
GREEK
GREEK_EXTENDED

Additionally, characters are also matched against the following Unicode categories

Li (Lower case characters)
Lu (Upper case characters)
Nd (Decimal digit number characters)

Note that any characters that don't belong to the categories above are considered special characters. The characters allowed in each field are listed in the market overview tables below.

Europe

This section only applies to:

Sweden, Norway, Finland, and Denmark

Customer details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
national_identification_number	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods and Pay Now.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
care_of	Optional for `authorize()` operation	To address the order to another recipient. B2C purchases only.
city	Optional for `authorize()` operation	City field according to the market.
phone	Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber
gender	Derived	Derived from PNO
date_of_birth	Derived	Derived from PNO

This section only applies to:

United Kingdom

Customer details	Requierement level	Comment
- email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
- postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
- title	Optional for `authorize()` operation	Mr, Ms
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods and Pay Now.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
street_address2	Optional for `authorize()` operation	Second address line. Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
city	Optional for `authorize()` operation	City field according to the market.
phone	Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber
gender	Derived	Derived from title

This section only applies to:

Ireland

Customer details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
postal_code (eircode)	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods and Pay Now.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
street_address2	Optional for `authorize()` operation	Second address line. Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
city	Optional for `authorize()` operation	City field according to the market.
region	Optional for `authorize()` operation	County, E.G "Antrim".
phone	Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber

This section only applies to:

Germany, Austria, Switzerland, Netherlands and Belgium

Customer details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
title	Optional for `authorize()` operation	de:“Herr”, “Frau”; de_CH: “Herr, “Frau”; it_CH: “Sig.", “Sig.ra”; fr_CH: “M", “Mme”; nl: “Dhr.", “Mevr.”; nl_BE: “Dhr”, “Mevr”; fr_BE: “M", “Mme”
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
care_of	Optional for `authorize()` operation	To address the order to another recipient. B2C purchases only.
city	Optional for `authorize()` operation	City field according to the market.
phone	Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber
> gender		Derived from title.

This section only applies to:

France, Spain, Portugal and Poland

Customer details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
place_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
street_address2	Optional for `authorize()` operation	Second address line. Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
city	Optional for `authorize()` operation	City field according to the market.
phone	Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber

This section only applies to:

Italy

Customer details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
place_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
street_address2	Optional for `authorize()` operation	Second address line. Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
city	Optional for `authorize()` operation	City field according to the market.
region	Optional for `authorize()` operation	Province in 2 letter format e.g "AG".
phone	Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber

This section only applies to:

Greece, Czech Republic, Hungary and Slovakia

Customer Details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
street_address2	Optional for `authorize()` operation	Second address line. Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
city	Optional for `authorize()` operation	City field according to the market.
phone	Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber

This section only applies to:

Romania

Customer Details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-]*[a-zA-Z0-9])?$))
postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª Letters with diacritics are allowed.
family_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª Letters with diacritics are allowed.
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \ Letters with diacritics are allowed.
street_address2	Optional for `authorize()` operation	Street name and number. Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \ Letters with diacritics are allowed.
city	Optional for `authorize()` operation	City field according to the market. Letters with diacritics are allowed.
region	Optional for `authorize()` operation	Postal address region (or sector for addresses in Bucharest). For example Cluj (region) or Sector 6 (sector). Letters with diacritics are allowed.
phone Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber

Americas

This section only applies to:

United States, Canada and Mexico

Customer details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
street_address2	Optional for `authorize()` operation	Address line 2, apartment, suite, for example, apt 2. Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
region	Optional for `authorize()` operation	For US: Two-letter state code in ISO 3166-1 alpha-2 format. For example, “CA” for California For Canada: Two-letter province code , for example, "ON" for Ontario. For Mexico: Two/three-letter format (ISO 3166-1 alpha-2) for the state. For example, “CDMX” for Ciudad de Mexico, "JAL" for Jalisco, "NL" for Nuevo León.
city	Optional for `authorize()` operation	City field according to the market.
phone	Optional for `authorize()` operation	Follow the standards defined inhttps://github.com/googlei18n/libphonenumber

Asia and Oceania

This section only applies to:

Australia and New Zealand

Customer details	Requierement level	Comment
email	Optional for `authorize()` operation	Must include @ and domain. Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+(?:\.[a-zA-Z0-9!#$%&'+/=?^_`{}~-]+))@(?<domain>(?:[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?\.)+(?<tld>[a-zA-Z0-9](?:[a-zA-Z0-9-][a-zA-Z0-9])?$))*
postal_code	Optional for `authorize()` operation	Validation according to Universal Postal Union addressing systems.
date_of_birth	Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.	Necessary for all credit payment methods.
given_name	Optional for `authorize()` operation	Customers given name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
family_name	Optional for `authorize()` operation	Customers family name in UTF-8 encoding. Cannot be only numbers, must be more than 1 character. Allowed special characters: -'’.°ºᵃª
street_address	Optional for `authorize()` operation	Street name and number following Universal Postal Union addressing systems Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
street_address2	Optional for `authorize()` operation	Second address line. Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
region	Optional for `authorize()` operation	For AU: State code in ISO 3166-2 format, for example, “QLD” for Queensland, “WA” for “Western Australia”. For NZ: Suburb e.g "Avondale"
city	Optional for `authorize()` operation	City field according to the market.
phone	Optional for `authorize()` operation	Follow the standards defined in https://github.com/googlei18n/libphonenumber