Klarna payments

The Klarna payments extension lets you add any of Klarna's payment methods to your checkout page in Adobe Commerce.

The key features supported by Klarna payments in the extension are:

• Availability in all markets where Klarna is available
• All payment methods available in each market
• Authorization callback
• Business to business (B2B) purchases
• Extra merchant data (EMD)
• Merchant references
• Flexible design options
• Klarna payments GraphQL

The following features aren’t currently supported:

• Recurring payments and tokenization
• Store views for multi-currency support

For more information about Klarna payments, refer to the dedicated section of our product documentation.

Klarna payments can be used in all markets where Klarna is available without any technical restrictions, that is, North America, Europe, and Oceania. For a detailed list of countries, refer to the FAQ.

The store has to be configured to match the market's specifics, for example, the correct tax and currency settings. Once that’s configured, the Klarna payments API has to be configured in the Admin > Stores > Configuration > Sales > Payment Methods > Klarna > API configuration.

The Klarna extension allows the use of all Klarna’s payment methods, including Sofort. The payment methods are shown and can be used in the store as long as Klarna provides these in the respective markets and these payment methods are part of the merchant’s contract.

Klarna handles the configuration of the payment methods, so you don’t need to configure individual payment method settings in the shop or in the extension. Based on it there is no need to do any configuration in the shop or on the extension.

You can also use Klarna payments in Adobe Commerce's Progressive Web Apps (PWA) environment. The extension’s configuration in PWA is the same as the configuration of Klarna payments in a non-Adobe Commerce PWA environment. However, an additional request must be sent to a specific endpoint in the extension in the PWA environment. Learn more about Adobe Commerce's PWA environment.

Introduced in m2-klarna extension version 2.0.5 (released May 2023), the authorization callback supports server-side communication for the creation of Klarna payments orders, as client-side order creation may not be successful for all orders. While orders may still be created successfully for many orders via the client-side authorization (e.g. if the shop doesn't accept the server-side authorization callback), client-side order creation cannot cover all order scenarios fully, thus the server-side authorization callback is required to be able to successfully complete all order creation scenarios.

For more about the Klarna Payments authorization callbacks, refer to the Authorization callbacks article.

curl --request POST \
  --url 'https://{shop url}/checkout/klarna/authorize?dryRun=true' \
  --data '{
        "session_id": "98765432",
        "authorization_token": "12345678"
}'

Klarna payments allows business to business (B2B) purchases. The following updates are required for B2B purchases to work:

1. B2B must be enabled by Klarna for the Merchant ID (MID).
2. You have to enable B2B in the Admin. You can find the configuration option in Stores > Configuration > Sales > Payment Methods > Klarna > Klarna Payments.

Since currently there’s no supported Adobe Commerce standard selector for customers to flag the order as business to consumer (B2C) or B2B, an order is only considered a B2B one when a customer enters data in the Company Name billing address field.

In some cases, we require additional information regarding the customer and the purchase in order to make a correct risk assessment. This information, called Extra merchant data (EMD), may consist of data about the customer performing the transaction, the product/services associated with the transaction, or the seller and their affiliates.

The following method returns the request instance, which is later converted to an array and sent as a request to Klarna:

\Klarna\Kp\Model\Api\Builder\Request::generateCreateSessionRequest()
\Klarna\Kp\Model\Api\Builder\Request::generateUpdateSessionRequest()
\Klarna\Kp\Model\Api\Builder\Request::generatePlaceOrderRequest()

It returns the instance Klarna\Kp\Api\Data\RequestInterface (Klarna\Kp\Model\Api\Request).

To add EMD, create an after plugin on this method. To insert the EMD in the request, use the setAttachment method on the request instance.

To include merchant_reference1 and merchant_reference2 data fields, for example, to match the order's merchant references as included in Klarna's settlement files, you can create an after plugin for the \Klarna\Kp\Model\Api\Builder\Nodes\MerchantReferences::addToRequest() method.

Adobe Commerce provides a default design for Klarna elements displayed in the checkout. Since each store can have a different look and feel, the default design may not go well with your store’s theme. The extension lets you change some elements of the default design.

To edit the design settings in the Admin, go to Stores > Configuration > Sales > Payment Methods > Klarna > Klarna Payments > Design.