Klarna Docs - Customer data requirements

Customer data requirements

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

Select the country for the customer data you want to check.

Australia 🇦🇺Austria 🇦🇹Belgium 🇧🇪
Canada 🇨🇦 Czech Republic 🇨🇿Denmark 🇩🇰
Finland 🇫🇮France 🇫🇷Germany 🇩🇪
Greece 🇬🇷Hungary 🇭🇺 Ireland 🇮🇪
Italy 🇮🇹Mexico 🇲🇽Netherlands 🇳🇱
Norway 🇳🇴 Poland 🇵🇱Portugal 🇵🇹
Romania 🇷🇴 Spain 🇪🇸 Sweden 🇸🇪
Switzerland🇨🇭United Kingdom 🇬🇧 United States 🇺🇸

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.

We also need to manage customer data to ensure the best customer experience in the order management process.

Sending the customer information before getting authorization doesn't comply with GDPR data regulations.

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.

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.

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

If any mandatory field is still missing in the authorize() call, you get an error message. You then need to collect the missing data and attempt a new authorize() call to complete the purchase.

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.

The following table shows the meaning of the symbols you can see in the customer data tables.

SymbolMeaning
*Mandatory
-Optional
>Derived
!See notes
?Depending on the payment method. If not added, Klarna will collect the details in the purchase flow.
Customer detailsComment
* emailMust 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])?$))
* postal_codeValidation according to Universal Postal Union addressing systems.
? national_identification_numberNecessary for all credit payment methods and Pay Now.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- care_ofTo address the order to another recipient. B2C purchases only.
* cityThe city.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
> gender - from PNO
> date_of_birth - from PNO
Customer detailsComment
* emailMust include @ and domain.
Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{|}~-]+(?:\.[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_codeValidation according to Universal Postal Union addressing systems.
- titleMr, Ms
? date_of_birthNecessary for all credit payment methods and Pay Now.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* cityCity field according to the market.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
> genderDerived from title
Customer detailsComment
* emailMust 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])?$))
- postal_code (eircode)Validation according to Universal Postal Union addressing systems
? date_of_birthNecessary for all credit payment methods and Pay Now.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* cityThe city.
* regionCounty, E.G "Antrim".
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer detailsComment
* emailMust include @ and domain.
Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{|}~-]+(?:\.[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_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
- titlede:“Herr”, “Frau”; de_CH: “Herr, “Frau”; it_CH: “Sig.", “Sig.ra”; fr_CH: “M", “Mme”
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- care_ofTo address the order to another recipient. B2C purchases only.
* cityThe city.
- phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
> genderDerived from title.
Customer detailsComment
* emailMust 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])?$))
* postal_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
- titlenl: “Dhr.", “Mevr.”; nl_BE: “Dhr”, “Mevr”; fr_BE: “M", “Mme”
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- care_ofTo address the order to another recipient. B2C purchases only.
* cityThe city.
- phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
> genderDerived from title.
Customer detailsComment
* emailMust include @ and domain.
Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{|}~-]+(?:\.[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_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
? place_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* cityThe city.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer detailsComment
* emailMust 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])?$))
* postal_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
? place_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* cityThe city.
* regionProvince in 2 letter format e.g "AG".
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer detailsComment
* emailMust include @ and domain.
Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{|}~-]+(?:\.[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_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
? place_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* cityCity field according to the market.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer DetailsComment
* emailMust 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])?$))
* postal_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* cityCity field according to the market.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer DetailsComment
* emailMust include @ and domain.
Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{|}~-]+(?:\.[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_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* cityCity field according to the market.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer DetailsComment
* emailMust 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])?$))
* postal_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
Letters with diacritics are allowed.
* family_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
Letters with diacritics are allowed.
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
Letters with diacritics are allowed.
- street_address2Street name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
Letters with diacritics are allowed.
* cityCity field according to the market.
Letters with diacritics are allowed.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer DetailsComment
* emailMust include @ and domain.
Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{|}~-]+(?:\.[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_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
* given_nameCustomers 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_nameCustomers 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_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
Letters with diacritics are allowed.
- street_address2Street name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
Letters with diacritics are allowed.
* cityCity field according to the market.
Letters with diacritics are allowed.
* regionPostal address region (or sector for addresses in Bucharest).
For example Cluj (region) or Sector 6 (sector).
Letters with diacritics are allowed.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer detailsComment
* emailMust 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])?$))
* postal_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Address line 2, apartment, suite, for example, apt 2.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* regionFor US: Two-letter state code in ISO 3166-1 alpha-2 format, for exaple, “CA” for California
For Canada: Two-letter province code , for example, "ON" for Ontario.
* cityThe city.
* phoneFollow the standards defined inhttps://github.com/googlei18n/libphonenumber
Customer details Comment
* emailMust include @ and domain.
Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{|}~-]+(?:\.[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_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
* given_nameFirst name and middle name(s) (if applicable). Customers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_namePaternal last name and maternal last name (if applicable). Customers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Address line 2. It corresponds to Neighborhood
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* regionUse 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
* cityThe city.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer detailsComment
* emailMust 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])?$))
* postal_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* regionState code in ISO 3166-2 format, for example, “QLD” for Queensland, “WA” for “Western Australia”.
* cityThe suburb.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber
Customer detailsComment
* emailMust include @ and domain.
Pattern: (?<local>^[a-zA-Z0-9!#$%&'+/=?^_`{|}~-]+(?:\.[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_codeValidation according to Universal Postal Union addressing systems.
? date_of_birthNecessary for all credit payment methods.
* given_nameCustomers given name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* family_nameCustomers family name in UTF-8 encoding.
Cannot be only numbers, must be more than 1 character.
Allowed special characters: -'’.°ºᵃª
* street_addressStreet name and number.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
- street_address2Second address line.
Allowed special characters: -'´`",.:;#&/()+@ °ºᵃª_ \
* regionSuburb e.g ​​"Avondale"
* cityThe city.
* phoneFollow the standards defined in https://github.com/googlei18n/libphonenumber