Klarna Docs - Settlement Reports

Settlement Reports

Settlement Reports explain in detail all payments made by Klarna to you and help you to reconcile your accounts. Each Settlement Report can be linked to a payout by using the unique payment reference, which appears on your bank account statement. Settlement Reports are available in CSV, PDF or JSON format and can be accessed in three different ways - using Klarna’s Merchant Portal, using the Settlements API or by using the Klarna-SFTP.

Merchant Portal

Using the Merchant Portal to access your Settlement Reports is the simplest method of managing them, as no technical setup or configuration is needed. The Merchant Portal allows for filtering by dates and currency and simple downloads of Settlement Reports for desired transactions.

For each payout, a settlement report is created and shown in the table at the bottom. You'll find the options to download the CSV and PDF report from the table or to click on the payment reference for the transactional details.

Settlements API

The Settlements API allows for managing and gathering Settlement Reports using our predefined API. It requires technical configuration but is a preferred method to manage larger volumes of Settlement Reports. Click here for detailed information about the Settlements API.

Available endpoints for the Settlements API

Fields description

Calculation of settlement amount

Total amountTransaction Type
+ total_sale_amount+ sale
− total_return_amount− return
− total_reversal_amount− reversal
+ reversal_merchant_protection
− total_fee_amount− fee
+ total_fee_correction_amountN/A
+ total_commission_amount+ commission
- total_tax_amount Not available as a separate transaction type. However, the amount can be included as a separate column “vat_amount” with the Report Configurator
− total_charge_amount− charge
+ total_credit_amount+ credit
− total_repay_amountN/A
− total_holdback_amount− holdback
+ total_release_amount+ release

= total_settlement_amount

Summary section fields

FieldTypeDescription
total_sale_amountDecimalTotal of all “sale” events.
These are all captured orders that have been shipped to the customers.
total_fee_amountDecimalTotal of all “fee” events.
These are service fees charged by Klarna for the related sale transactions.
total_fee_correction_amountStringTotal of refunded fees in a given settlement or period.
total_tax_amountDecimalTotal tax (VAT, GST) amount on Klarna fees. Reflects the total of all vat_amount values per transaction, which are described further down
total_return_amountDecimalTotal of all “return” events.
These are refund transaction, registered by the merchant and indicating that the goods/services have been returned by the customer.
total_reversal_amountDecimalTotal of all “reversal” events.
These are refund transactions, registered by Klarna in disputed orders in favour of the customer. This contains fraudulent cases seen as merchant loss eg. due to missing tracking data.
total_commission_amountDecimalTotal of all “commission” events.
These are paid by Klarna to the merchant based on the contractual agreement regarding commissions.
total_credit_amountDecimalTotal of all “credit” transactions.
total_charge_amountDecimalTotal of all “charge” transactions.
total_holdback_amountDecimalThe amount is used as a (rolling) reserve, which covers for future refunds or other security reasons.
total_release_amountDecimalThe amount reduces the rolling reserve (the opposite of a holdback). The credit that Klarna had set apart for a merchant, gets released and paid back to the merchant.
opening_debt_balanceDecimalYour negative balance with Klarna from previous settlements, if your returns, fees, and other charges exceeded your sales. This amount equals the closing_debt_balance of your last settlement unless Klarna has invoiced you separately for the amount.
total_deposit_amountDecimalIncrease of your debt balance with Klarna if your returns, fees, and other charges exceed your sales within this settlement period. This debt will be deducted from your next settlements as a total_repayment_amount. This field deposit amount describes the amount that is increasing your debt balance, to be seen in the closing_debt_balance. For the calculation refer to the chapter "Calculation of settlement amount".
total_repay_amountDecimalAssuming you have an opening_debt_balance with Klarna because your previous settlement was negative, this amount states the reduction of your debt balance, to be seen in a lower closing_debt_balance. The amount is simply deducted from your current settlement and you don't need to do anything further.
closing_debt_balanceDecimalYour debt balance after the settlement. This amount will be the opening debt balance of your next settlement and helps you understand which amounts will be deducted from your next settlements. The amount is calculated as: opening_debt_balance - total_repay_amount + total_deposit_amount
total_settlement_amountDecimalTotal amount of this payout (sales + release - fees - tax - returns - holdback - reversals - repay = total_settlement_amount)
payment_referenceStringUnique identifier of this payout, which is stated in the transfer note in your bank statement
settlement_currencyISO 4217 Settlement Currency. We settle you like for like in your transacting currency.
Example EUR, USD, GBP
payout_dateISO 8601Indicates when Klarna initiated the payout (Coordinated Universal Time, UTC). Please note that it usually takes one banking day until the funds are credited to your bank account.
Example:2018-08-10T07:45:00Z
merchant_idStringUnique Merchant Identification Number
Example:"K123456"
merchant_settlement_typeStringSettlement type:
NET
Klarna service fees are deducted from the payout.
GROSS
Klarna service fees are invoiced separately.
GROSS_FEE
Invoice for Klarna service fees.
submerchant_idStringunique identifier for a sub merchant

Transaction fields

FieldTypeDescription
typeStringType of this event:
SALE
(+) captured order that has been shipped to the customer.
FEE
(-) Service fee charged by Klarna for the related sale transaction. Please note that according to your contract multiple fee transactions can be applied to one sale transaction, eg. fixed fees and percentage fees.
RETURN
(-) refund transaction, registered by the merchant and indicating that the goods/services have been returned by the customer.
REVERSAL
(-) refund transaction, registered by Klarna in disputed orders in favour of the customer. This contains fraudulent cases seen as merchant loss eg. due to missing tracking data.
REVERSAL_MERCHANT_PROTECTION
(+) net-amount of the order value (without tax), credited by Klarna to the merchant due to Klarna’s merchant protection eg. in case of fraud. The amount is reducing the total_reversal_amount.
COMMISSION
(+) Paid by Klarna to the merchant based on the contractual agreement regarding commissions.
CORRECTION
(+/-) Certain corrections that are booked against specific orders according to a mutual agreement between the merchant and Klarna.
HOLDBACK
(-) The amount is used as a rolling reserve, which covers for future refunds or other security reasons.
RELEASE
(+) The amount reduces the rolling reserve (the opposite of a holdback). The credit that Klarna had set apart for a merchant, gets released and paid back to the merchant.
CREDIT
(+) Miscellaneous credit towards you, which is described in the field detailed_type.
Charge
(-) Miscellaneous charge towards you, which is described in the field detailed_type.
capture_dateISO 8601Date when the event was registered in Klarna’s system (Coordinated Universal Time, UTC). In case of a SALE transaction it refers to the moment when you shipped the goods to the customer and captured/activated the order.
Example:2018-08-10T07:45:00Z
sale_dateISO 8601Date of the order creation (Coordinated Universal Time, UTC).
Example:2018-08-10T07:45:00Z
order_idUUIDUnique identifier of the order. All related transactions in the life-span of an order are associated with this ID. eg. fees or refunds. It is therefore the recommended identifier for reconciling the report lines with your system.
Example: c504a9bb-1948-46d5
short_order_idStringCustomer-facing order ID.
Example:9875QW2
capture_idStringUnique identifier for every capture on an order and only provided for sale and fee transactions. In case of partial shipments an order is captured more than one time. Each related capture is relfected as a sale transaction with a unique capture_ID.
Example:8e93b66-6ab1-4d3d-b60d-1cc4e24f4a99
merchant_reference1StringYour internal reference to the order, that has been submitted during order creation.
merchant_reference2StringYour internal reference to the order, that has been submitted during order creation.
amountDecimalAmount of the related transaction.
Example:100.00
posting_currencyISO 4217Currency in which the order has been placed. The following currencies are currently available:DKK, EUR, GBP, NOK, SEK, USD, CHF, CAD, AUD
refund_idStringUnique identifier for Return and Reversal transactions. In case of partial returns, each return transaction is associated with a unique refund_ID.Note: By default, these are not included in the reports on SFTP. They can be included by using the Report Configurator.
Example:8e93b66-6ab1-4d3d-b60d-1cc4e24f4a99
purchase_countryISO 3166-alpha-2Purchase country, as provided by the merchant.Note: By default, these are not included in the reports on SFTP. They can be included by using the Report Configurator.
Example:US, GB, DE, SE
tax_rateDecimalVAT (Value added tax in Europe) or GST (goods and services tax in Australia) rate on Klarna fees.
tax_amountDecimalVAT (Value added tax in Europe) or GST (goods and services tax in Australia) amount on Klarna fees.
shipping_countryISO 3166-alpha-2As provided by you.
initial_payment_method_typeStringPayment method the consumer chose during checkout.
initial_number_of_installmentsDecimalNumber of installments the consumer chose during checkout in case of installment payments.
initial_payment_method_monthly_downpaymentsDecimalNumber of monthly downpayments that were chosen during the checkout in case of installment payments.
merchant_capture_referenceStringYour internal reference to the capture, that has been submitted during capturing an order via API.
merchant_refund_referenceStringYour internal reference to the refund, that has been submitted during refunding an order via API.
detailed_typeStringDetailed description of the transaction type. See section “Detailed type” for further information.
tax_rate_1-4StringConsumer VAT (value added tax) rates on your products/services. The rate needs to be submitted by you for every order-line when capturing or refunding an order, because an order can consist of items with different VAT rates
tax_amount_1-4DecimalConsumer VAT (value added tax) amounts on your products/services. The amount needs to be submitted by you for every order-line when capturing or refunding an order, because an order can consist of items with different VAT rates.

Detailed Type

Transaction typeDetailed typeDescription
CHARGELOAN_AMORTISATIONMerchant Lending loan amortisation
CHARGETRANSFER_FROM_LEGACY_INTEGRATIONTransfer of debt from the legacy KCOv2/KPM integration towards the new KCOv3/KP integration. This mechanism is used instead of issuing an invoice.
COMMISSIONCOMMISSIONCommission
CORRECTIONCREDITED_CORRECTIONManual corrections
COMMISSIONPURCHASE_COMMISSION_PERCENTAGEPercentage Commission Paid by Klarna to the merchant based on the contractual agreement regarding percentage commissions
CREDITLOAN_FEEMerchant Lending fees charges
CREDITLOAN_PAYOUTMerchant Lending loan payout
FEEEXPIRY_FEE_GROSSFee for extending the due date for a consumer invoice.
FEELATE_RETURN_FEEAdded when an order is returned by the consumer after a reminder is sent.
FEEPURCHASE_FEE_FIXEDFixed Fee on captured order
FEEPURCHASE_FEE_PERCENTAGEPercentage Fee on captured order
FEESERVICING_FEEFee on captured order if a consumer pays with Klarna account.
FEEEXTEND_DUE_DATE_FEEFee for extending the due date for a consumer invoice
HOLDBACK/RELEASEINSUFFICIENT_BANK_ACCOUNT_DETAILSA holdback for the sum amount that would have been released if correct bank details were present. These can be updated in Merchant portal under settings > Bank account details. Once updated the withheld amount(s) will be paid out together either in a new settlement the following business day if you are settled weekly, or in your next settlement if you are settled daily.
HOLDBACK/RELEASEROLLING_RESERVESecurity measure that works well for both you as a merchant and Klarna since we do not hold funds or delay payment of funds, but rather hold only a portion of it as collateral, which will automatically be released after the time agreed upon.
HOLDBACK/RELEASEUNDER_REVIEWSecurity measure that will allow Klarna to place a hold on payouts either in part of full while we review the financial holding of a merchant and the underlying transactions
RETURNPURCHASE_RETURNRefund, registered by the merchant and indicating that the goods/services have been returned by the customer.
REVERSALCOMMISSION_RETURNReturn of commission
REVERSALREVERSALRefund, registered by Klarna on disputed orders in favour of the customer. This contains fraudulent cases seen as merchant loss eg. due to missing tracking data.
REVERSALFRAUD_POLICY_CHARGEGross amount of the order value (incl. consumer VAT), debited by Klarna due to Klarna’s merchant protection. The net order value (excl. consumer VAT) is credited in the same settlement with the detailed type FRAUD_POLICY_CREDIT_NET.
REVERSAL_MERCHANT_PROTECTIONFRAUD_POLICY_CREDIT_NETNet-amount of the order value (incl. consumer VAT), credited by Klarna to the merchant due to Klarna’s merchant protection eg. in case of fraud. The amount is reducing the total_reversal_amount.
SALEPURCHASECaptured order

Example CSV Settlement Report contents

123456789.20180809T000226+0000.csv
2.6 KB