Klarna allows the user to pay immediately or in installments, simply by providing an e-mail address and a billing address, without a password. The merchant receives the full amount immediately, even in the case of payment in installments. In particular, the services offered are the following:

Here are the services offered:

Pay Now (I prefer to pay immediately in a safe way)
Pay Later (I prefer to receive the order before paying it)
Financing (I prefer to pay over time)

The merchant receives the full amount immediately, even in the case of payment in installments.

In which countries is it available?

Depending on the country of residence, customers can access different forms of the three services offered by Klarna:

*The merchants need the Credit Broker Licence (CBL).

**At the moment it is active only for a few selected merchants.

How does it work for users?

During the payment phase, the buyer must enter the telephone number and / or e-mail address connected to the account.

This way customers can enjoy an extremely fast shopping experience: the system, in fact, recognizes the user and it will not be necessary for them to enter other data.

How does it work for merchants?

In order to start accepting payments with Klarna it will be sufficient to accept the conditions that Axerve has reserved for its customers, by signing the contract that enables Axerve to operate as a Payment Facilitator.

Once the user experience requirements are also met, Klarna can be used together with other payment tools.

This form of collection allows you to process a payment within 28 days, unlike the typical 25 days of credit cards.

The technical integration is very simple and similar to any other payment method that can be enabled on the Axerve Ecommerce Solution platform: it is possible to use the paymentType tag and the value to be entered is KLARNA.

To learn more about the use of the paymentType tag, you can access How to direct a customer to a payment method.

Tramite la Dashboard Axerve, è possibile verificare lo status di avanzamento nella fase di integrazione, controllare i movimenti dell'account Klarna, scaricare la reportistica, disporre storni e movimentazioni delle transazioni già autorizzate, modificare le informazioni di contatto del Customer Care da segnalare ai buyer.

Axerve mette a disposizione, per i clienti che lo richiedono, anche la possibilità di essere abilitati al Klarna Merchant Portal ed utilizzare il servizio di On-Site Messaging. Questo servizio permetterà di gestire e customizzare i messaggi nel sito del Merchant riguardanti le opzioni di pagamento messe a disposizione da Klarna. Per maggiori informazioni consultare il sito dedicato di Klarna external link .

Fields to include in the call to Klarna

The parameters required by the service for the request are those that identify:

the Billing Address
the Product Details (fields: Name, Unit Price and Quantity)

The following tables show the parameters that can be sent (the required fields are in bold):

Billing Address

Field

Max Length

Description

OrderDetails.BillingAddress.FirstName

Billing Customer First Name

OrderDetails.BillingAddress.Lastname

Billing Customer Last Name

OrderDetails.BillingAddress.Company

Billing Company

OrderDetails.BillingAddress.StreetName

100

Billing street name. Accepts only alpha-numeric characters.

OrderDetails.BillingAddress.Email

100

Billing Customer email

OrderDetails.BillingAddress.City

Billing city name

OrderDetails.BillingAddress.ZipCode

Billing zip code

OrderDetails.BillingAddress.State

Billing Region or State

OrderDetails.BillingAddress.CountryCode

Should follow the standard of ISO 3166 alpha-2. E.g. GB, US, DE, SE.

OrderDetails.BillingAddress.PrimaryPhone

100

Customer’s phone including prefix.

Shipping Address

Field

Max Length

Description

OrderDetails.ShippingAddress.FirstName

Shipping Customer First Name

OrderDetails.ShippingAddress.Lastname

Shipping Customer Last Name

OrderDetails.ShippingAddress.Company

Shipping Customer Company

OrderDetails.ShippingAddress.StreetName

Shipping street name. Accepts only alpha-numeric characters.

OrderDetails.ShippingAddress.Email

100

Shipping Customer email

OrderDetails.ShippingAddress.City

Shipping city name

OrderDetails.ShippingAddress.ZipCode

Shipping zip code

OrderDetails.ShippingAddress.State

Shipping Region or State

OrderDetails.ShippingAddress.CountryCode

Should follow the standard of ISO 3166 alpha-2. E.g. GB, US, DE, SE

OrderDetails.ShippingAddress.PrimaryPhone

Customer’s phone including prefix

OrderDetails.ShippingAddress.ShippingMethod

Shipping Method [STORE | PICKUP_POINT | CARRIER] - campo non obbligatorio ma se ne consiglia la compilazione

Customer info

Field

Max Length

Description

OrderDetails.CustomerDetail.FirstName

Customer First Name

OrderDetails.CustomerDetail.Lastname

Customer Last Name

Product Details

Field

Max Length

Description

OrderDetails.ProductDetails[x].Description

255

Article’s description

OrderDetails.ProductDetails[x].SKU

Article’s Stock Keeping Unit

OrderDetails.ProductDetails[x].Name

100

Article’s name

OrderDetails.ProductDetails[x].UnitPrice

Article’s Unit Price

OrderDetails.ProductDetails[x].Quantity

The number of products

OrderDetails.ProductDetails[x].ImageUrl

2048

Article's image

OrderDetails.ProductDetails[x].ProductInfoUrl

2048

Link to product informations

OrderDetails.ProductDetails[x].Type

The type of article. [A dedicated table below is available to check all possible types of products and when to use them]

Shipping Method

Field

Max Length

Description

FullFillment.FullFillmentlst.FullfillmentDetail.TrackingCompany

512

Tracking company Name*

FullFillment.FullFillmentlst.FullfillmentDetail.TrackingNumbers

1024

Tracking number*

FullFillment.FullFillmentlst.FullfillmentDetail.TrackingUrls

2048

Link to tracking information

* This information allows the customer to view shipping data on the Klarna app. In particular, if the Carrier Partner is one of those present in the linked document https://docs.klarna.com/order-management/delivery/klarna-carrier-partner-list/ external link , the buyer will be able to monitor all the steps of the shipment directly from the Klarna app.

Order Details

Field

Max Length

Description

OrderDetails.PaymentPageDetails.LogoUrl

2048

Logo displayed on the Payment Page

OrderDetails.ProviderPageDetails.BackgroundUrl

2048

Backgroung Image dispayed on the Payment Page

OrderDetails.ProviderPageDetails.BackgroundWidth

Background Image width

OrderDetails.ProviderPageDetails.PageTitle

255

Title displayed on the Payment Page

OrderDetails.ProviderPageDetails.PrivacyUrl

2048

Link to Privacy Conditions

OrderDetails.ProviderPageDetails.TermsAndCondsUrl

2048

Link to Terms and Conditions

SOAP

REST

Examples of integration

Some examples of integration are available in the API section, where you will find an example of partial authorization, refund and capture.

Authorization of the transaction

1<soap:Envelope xmlns:soap="http://www.w3.org/2003/05/soap-envelope" xmlns:ecom="https://ecomm.sella.it/">
2    <soap:Header/>
3    <soap:Body>
4        <ecom:Encrypt>
5            <ecom:shopLogin> --MERCHANT SHOP LOGIN HERE-- </ecom:shopLogin>
6            <ecom:apikey> --MERCHANT API KEY HERE-- </ecom:apikey>
7            <ecom:uicCode>242</ecom:uicCode>
8            <ecom:amount>516.49</ecom:amount>
9            <ecom:shopTransactionId>KLARNA_TEST_20220512_S02</ecom:shopTransactionId>
10            <ecom:languageId>1</ecom:languageId>
11            <ecom:paymentTypes>
12                <ecom:paymentType>KLARNA</ecom:paymentType>
13            </ecom:paymentTypes>
14            <ecom:OrderDetails>
15                <ecom:providerPageDetails>
16                    <ecom:LogoUrl>https://www.axerve.com/images/logos/logo-color-positive.svg</ecom:LogoUrl>
17                    <ecom:BackgroundUrl>https://www.axerve.com/images/logos/logo-color-positive.svg</ecom:BackgroundUrl>
18                    <ecom:BackgroundWidth>100</ecom:BackgroundWidth>
19                    <ecom:PageTitle>Completa il pagamento</ecom:PageTitle>
20                    <ecom:PrivacyUrl>https://www.google.it</ecom:PrivacyUrl>
21                    <ecom:TermsAndCondsUrl>https://www.google.it</ecom:TermsAndCondsUrl>
22                </ecom:providerPageDetails>
23                <ecom:CustomerDetail>
24                    <ecom:FirstName>Test</ecom:FirstName>
25                    <ecom:Lastname>Person-it</ecom:Lastname>
26                    <ecom:PrimaryEmail>customer@email.it</ecom:PrimaryEmail>
27                </ecom:CustomerDetail>
28                <ecom:ShippingAddress>
29                    <ecom:FirstName>Test</ecom:FirstName>
30                    <ecom:Lastname>Person-it</ecom:Lastname>
31                    <ecom:StreetName>Via Enrico Fermi 150</ecom:StreetName>
32                    <ecom:City>Roma</ecom:City>
33                    <ecom:ZipCode>00146</ecom:ZipCode>
34                    <ecom:CountryCode>IT</ecom:CountryCode>
35                    <ecom:Email>customer@email.it</ecom:Email>
36                    <ecom:PrimaryPhone>+393339741231</ecom:PrimaryPhone>
37                    <ecom:ShippingMethod>STORE</ecom:ShippingMethod>
38                </ecom:ShippingAddress>
39                <ecom:BillingAddress>
40                    <ecom:FirstName>Test</ecom:FirstName>
41                    <ecom:Lastname>Person-it</ecom:Lastname>
42                    <ecom:StreetName>Via Enrico Fermi 150</ecom:StreetName>
43                    <ecom:City>Roma</ecom:City>
44                    <ecom:ZipCode>00146</ecom:ZipCode>
45                    <ecom:CountryCode>IT</ecom:CountryCode>
46                    <ecom:Email>customer@email.it</ecom:Email>
47                    <ecom:PrimaryPhone>+393339741231</ecom:PrimaryPhone>
48                </ecom:BillingAddress>
49                <ecom:ProductDetails>
50                    <ecom:ProductDetail>
51                        <ecom:Description>Borsa</ecom:Description>
52                        <ecom:SKU>48696138_M</ecom:SKU>
53                        <ecom:Name>Borsa</ecom:Name>
54                        <ecom:UnitPrice>500</ecom:UnitPrice>
55                        <ecom:Quantity>1</ecom:Quantity>
56                        <ecom:ImageUrl>https://www.axerve.com/images/logos/logo-color-positive.svg</ecom:ImageUrl>
57                        <ecom:ProductInfoUrl>https://www.axerve.com/borsa</ecom:ProductInfoUrl>
58                        <ecom:Type>5</ecom:Type>
59                    </ecom:ProductDetail>
60                    <ecom:ProductDetail>
61                        <ecom:Description>Scarpe</ecom:Description>
62                        <ecom:SKU>48696138_S</ecom:SKU>
63                        <ecom:Name>Chiba silk bandeau top</ecom:Name>
64                        <ecom:UnitPrice>16.49</ecom:UnitPrice>
65                        <ecom:Quantity>1</ecom:Quantity>
66                        <ecom:ImageUrl>https://www.axerve.com/images/logos/logo-color-positive.svg</ecom:ImageUrl>
67                        <ecom:ProductInfoUrl>https://www.axerve.com/scarpe</ecom:ProductInfoUrl>
68                        <ecom:Type>5</ecom:Type>
69                    </ecom:ProductDetail>
70                </ecom:ProductDetails>
71            </ecom:OrderDetails>
72        </ecom:Encrypt>
73    </soap:Body>
74</soap:Envelope>

Partial capture of the transaction (1/2)

1<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:ecom="https://ecomms2s.sella.it/">
2    <soapenv:Body>
3        <ecom:callSettleS2S xmlns="https://ecomms2s.sella.it/">
4            <ecom:shopLogin> --MERCHANT SHOP LOGIN HERE-- </ecom:shopLogin>
5            <ecom:apikey> --MERCHANT API KEY HERE-- </ecom:apikey>
6            <ecom:uicCode>242</ecom:uicCode>
7            <ecom:bankTransID>578</ecom:bankTransID>
8            <ecom:amount>500</ecom:amount>
9            <ecom:FullFillment>
10                <ecom:FullFillmentlst>
11                    <ecom:FullfillmentDetail>
12                        <ecom:TrackingCompany>TNT</ecom:TrackingCompany>
13                        <ecom:TrackingNumbers>TNT100</ecom:TrackingNumbers>
14                        <ecom:TrackingUrls>https://www.tnt.com/tnt100</ecom:TrackingUrls>
15                        <ecom:ProductDetails>
16                            <ecom:Description>Borsa</ecom:Description>
17                            <ecom:SKU>48696138_M</ecom:SKU>
18                            <ecom:Name>Borsa</ecom:Name>
19                            <ecom:UnitPrice>500</ecom:UnitPrice>
20                            <ecom:Quantity>1</ecom:Quantity>
21                            <ecom:ImageUrl>https://www.axerve.com/images/logos/logo-color-positive.svg</ecom:ImageUrl>
22                            <ecom:ProductInfoUrl>https://www.axerve.com/borsa</ecom:ProductInfoUrl>
23                            <ecom:Type>5</ecom:Type>
24                        </ecom:ProductDetails>
25                    </ecom:FullfillmentDetail>
26                </ecom:FullFillmentlst>
27            </ecom:FullFillment>
28        </ecom:callSettleS2S>
29    </soapenv:Body>
30</soapenv:Envelope>

Partial capture of the transaction (2/2)

1<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:ecom="https://ecomms2s.sella.it/">
2    <soapenv:Body>
3        <ecom:callSettleS2S xmlns="https://ecomms2s.sella.it/">
4            <ecom:shopLogin> --MERCHANT SHOP LOGIN HERE-- </ecom:shopLogin>
5            <ecom:apikey> --MERCHANT API KEY HERE-- </ecom:apikey>
6            <ecom:uicCode>242</ecom:uicCode>
7            <ecom:bankTransID>578</ecom:bankTransID>
8            <ecom:amount>16.49</ecom:amount>
9            <ecom:FullFillment>
10                <ecom:FullFillmentlst>
11                    <ecom:FullfillmentDetail>
12                        <ecom:TrackingCompany>TNT</ecom:TrackingCompany>
13                        <ecom:TrackingNumbers>TNT200</ecom:TrackingNumbers>
14                        <ecom:TrackingUrls>https://www.tnt.com/tnt200</ecom:TrackingUrls>
15                        <ecom:ProductDetails>
16                            <ecom:Description>Scarpe</ecom:Description>
17                            <ecom:SKU>48696138_S</ecom:SKU>
18                            <ecom:Name>Chiba silk bandeau top</ecom:Name>
19                            <ecom:UnitPrice>16.49</ecom:UnitPrice>
20                            <ecom:Quantity>1</ecom:Quantity>
21                            <ecom:ImageUrl>https://www.axerve.com/images/logos/logo-color-positive.svg</ecom:ImageUrl>
22                            <ecom:ProductInfoUrl>https://www.axerve.com/scarpe</ecom:ProductInfoUrl>
23                            <ecom:Type>5</ecom:Type>
24                        </ecom:ProductDetails>
25                    </ecom:FullfillmentDetail>
26                </ecom:FullFillmentlst>
27            </ecom:FullFillment>
28        </ecom:callSettleS2S>
29    </soapenv:Body>
30</soapenv:Envelope>

Partial refund of the transaction (1/2)

1<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:ecom="https://ecomms2s.sella.it/">
2    <soapenv:Body>
3        <ecom:callRefundS2S xmlns="https://ecomms2s.sella.it/">
4            <ecom:shopLogin> --MERCHANT SHOP LOGIN HERE-- </ecom:shopLogin>
5            <ecom:apikey> --MERCHANT API KEY HERE-- </ecom:apikey>
6            <ecom:uicCode>242</ecom:uicCode>
7            <ecom:bankTransactionId>578</ecom:bankTransactionId>
8            <ecom:amount>16.49</ecom:amount>
9            <ecom:settlementID>578_1</ecom:settlementID>
10            <ecom:OrderDetail>
11                <ecom:ProductDetails>
12                    <ecom:ProductDetail>
13                        <ecom:Description>Scarpe</ecom:Description>
14                        <ecom:SKU>48696138_S</ecom:SKU>
15                        <ecom:Name>Chiba silk bandeau top</ecom:Name>
16                        <ecom:UnitPrice>16.49</ecom:UnitPrice>
17                        <ecom:Quantity>1</ecom:Quantity>
18                        <ecom:ImageUrl>https://www.axerve.com/images/logos/logo-color-positive.svg</ecom:ImageUrl>
19                        <ecom:ProductInfoUrl>https://www.axerve.com/scarpe</ecom:ProductInfoUrl>
20                        <ecom:Type>5</ecom:Type>
21                    </ecom:ProductDetail>
22                </ecom:ProductDetails>
23            </ecom:OrderDetail>
24        </ecom:callRefundS2S>
25    </soapenv:Body>
26</soapenv:Envelope>

Partial refund of the transaction (2/2)

1<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:ecom="https://ecomms2s.sella.it/">
2    <soapenv:Body>
3        <ecom:callRefundS2S xmlns="https://ecomms2s.sella.it/">
4            <ecom:shopLogin> --MERCHANT SHOP LOGIN HERE-- </ecom:shopLogin>
5            <ecom:apikey> --MERCHANT API KEY HERE-- </ecom:apikey>
6            <ecom:uicCode>242</ecom:uicCode>
7            <ecom:bankTransactionId>578</ecom:bankTransactionId>
8            <ecom:amount>500</ecom:amount>
9            <ecom:settlementID>578_0</ecom:settlementID>
10            <ecom:OrderDetail>
11                <ecom:ProductDetails>
12                    <ecom:ProductDetail>
13                        <ecom:Description>Borsa</ecom:Description>
14                        <ecom:SKU>48696138_M</ecom:SKU>
15                        <ecom:Name>Borsa</ecom:Name>
16                        <ecom:UnitPrice>500</ecom:UnitPrice>
17                        <ecom:Quantity>1</ecom:Quantity>
18                        <ecom:ImageUrl>https://www.axerve.com/images/logos/logo-color-positive.svg</ecom:ImageUrl>
19                        <ecom:ProductInfoUrl>https://www.axerve.com/borsa</ecom:ProductInfoUrl>
20                        <ecom:Type>5</ecom:Type>
21                    </ecom:ProductDetail>
22                </ecom:ProductDetails>
23            </ecom:OrderDetail>
24        </ecom:callRefundS2S>
25    </soapenv:Body>
26</soapenv:Envelope>

Authorization of the transaction

1{
2    "shopLogin": "BPAY_TEST",
3    "amount": "516.49",
4    "currency": "EUR",
5    "shopTransactionID": "KLARNA_TEST_20220520_R05",
6    "languageId": 1,
7    "paymentTypes": {
8        "paymentType": "KLARNA"
9    },
10    "OrderDetails": {
11        "providerPageDetails": {
12            "LogoUrl": "https://www.axerve.com/images/logos/logo-color-positive.svg",
13            "BackgroundUrl": "https://www.axerve.com/images/logos/logo-color-positive.svg",
14            "BackgroundWidth": 100,
15            "PageTitle": "Completa il pagamento",
16            "PrivacyUrl": "https://www.google.it",
17            "TermsAndCondsUrl": "https://www.google.it"
18        },
19        "CustomerDetail": {
20            "FirstName": "Test",
21            "Lastname": "Person-it",
22            "PrimaryEmail": "customer@email.it"
23        },
24        "ShippingAddress": {
25            "FirstName": "Test",
26            "Lastname": "Person-it",
27            "StreetName": "Via Enrico Fermi 150",
28            "City": "Roma",
29            "ZipCode": "00146",
30            "CountryCode": "IT",
31            "Email": "customer@email.it",
32            "PrimaryPhone": "+393339741231",
33            "ShippingMethod": "STORE"
34        },
35        "BillingAddress": {
36            "FirstName": "Test",
37            "Lastname": "Person-it",
38            "StreetName": "Via Enrico Fermi 150",
39            "City": "Roma",
40            "ZipCode": "00146",
41            "CountryCode": "IT",
42            "Email": "customer@email.it",
43            "PrimaryPhone": "+393339741231",
44            "ShippingMethod": "STORE"
45        },
46        "ProductDetails": [
47            {
48                "Description": "Borsa",
49                "SKU": "48696138_M",
50                "Name": "Borsa",
51                "UnitPrice": "500",
52                "Quantity": "1",
53                "ImageUrl": "https://www.axerve.com/images/logos/logo-color-positive.svg",
54                "ProductInfoUrl": "https://www.axerve.com/borsa",
55                "Type": 5
56            },
57            {
58                "Description": "Scarpe",
59                "SKU": "48696138_S",
60                "Name": "Chiba silk bandeau top",
61                "UnitPrice": "16.49",
62                "Quantity": "1",
63                "ImageUrl": "https://www.axerve.com/images/logos/logo-color-positive.svg",
64                "ProductInfoUrl": "https://www.axerve.com/scarpe",
65                "Type": 5
66            }
67        ]
68    }
69}

1{
2    "shopLogin": "BPAY_TEST",
3    "paymentType": "KLARNA"
4}

Capture of the transaction

1{
2    "shopLogin": "BPAY_TEST",
3    "currency": "EUR",
4    "bankTransactionID": "614",
5    "amount": "500",
6    "FullFillment": {
7        "FullFillmentlst": [
8            {
9                "TrackingCompany": "TNT",
10                "TrackingNumbers": "TNT100",
11                "TrackingUrls": "https://www.tnt.com/tnt100",
12                "ProductDetails": [
13                    {
14                        "Description": "Borsa",
15                        "SKU": "48696138_M",
16                        "Name": "Borsa",
17                        "UnitPrice": "500",
18                        "Quantity": "1",
19                        "ImageUrl": "https://www.axerve.com/images/logos/logo-color-positive.svg",
20                        "ProductInfoUrl": "https://www.axerve.com/borsa",
21                        "Type": "5"
22                    }
23                ]
24            }
25        ]
26    }
27}

Refund of the transaction

1{
2    "shopLogin": "BPAY_TEST",
3    "currency": "EUR",
4    "bankTransactionID": "614",
5    "amount": "16.49",
6    "settlementID": "614_0",
7    "orderDetails": {
8        "ProductDetails": [
9            {
10                "Description": "Scarpe",
11                "SKU": "48696138_S",
12                "Name": "Chiba silk bandeau top",
13                "UnitPrice": "16.49",
14                "Quantity": "1",
15                "ImageUrl": "https://www.axerve.com/images/logos/logo-color-positive.svg",
16                "ProductInfoUrl": "https://www.axerve.com/scarpe",
17                "Type": "5"
18            }
19        ]
20    }
21}

Klarna Product Type

Type Value

Description

Country Code

Note

Discount

All available countries

Negative value. Used to add a discount order line and reduces the total value of the order.

Physical article

All available countries

Physical purchase.

Shipping fee

All available countries

Used when a shipping fee is added to the order.

Digital article

All available countries

Intangible purchase, like a license.

Gift Card

All available countries

It can take either a positive or negative value.

When used with a negative sign it is used to reduce the order total to be paid with Klarna when using a giftcard for part of the order.

When used with a positive sign to indicate that the user is purchasing a giftcard using Klarna.

Store credit

All available countries

Negative value. Used to reduce the order total to be paid with Klarna when using an in-store credit to settle a part of the order.

How to handle a failed response on the Klarna page

If the phone number is not sent in the payment request and if the buyer enters incorrect details for this parameter on the Klarna page, the page shows a failed response, without the possibility of re-entering the data. What has just been described does not apply to sandbox.

Credentials for the test environment

Before submitting the required fields in the call to the payment method, it is necessary to request the credentials for the Sandbox environment from technical support (credentials valid for all payment methods) and Klarna onboarding (onboarding on Orchestra).

Partial refund

You can proceed with a partial or full refund in two ways:

directly from the merchant's back office
using CallRefundS2S, a server-to-server call

Klarna’s dispute management and fees

Klarna’s policy identifies the Merchant, being the provider of goods and/or services, as the party responsible for resolving the disputes raised by customers. Dispute management must be handled within Klarna’s Merchant Portal: please refer to Klarna’s dedicated website external link for more information.

The time periods for the resolution of different types of disputes are outlined below:

*As of the return date provided to Klarna by the customer. If the return date is less than 21 days, the escalation date will automatically be postponed 21 days from the return date.

If a dispute is not resolved within the stated time period, Klarna Customer Service will intervene to assist the parties in reaching an agreement. Such intervention may result in the application of an additional fee by Klarna, to be charged retroactively if the outcome of the dispute finds the Merchant to be responsible.

The Merchant will not be charged a dispute fee when a customer:

Is found at fault.
Cannot provide the information requested by Klarna to proceed.
Cancels the dispute on their own accord.

For more information on the management of disputes over payments made with Klarna and the related fees, please refer to Klarna’s dedicated website external link .

Extra Merchant Data (EMD)

Depending on the type of Ecommerce and/or services available to consumers, Klarna may request additional information about the customer, merchant and/or purchase. This information, known as Extra Merchant Data (EMD), allows Klarna to make an accurate risk assessment and improve conversion rates to enhance performance. Although in some cases the sharing of EMD is optional, in other cases it may be mandatory.

It is mandatory to provide Klarna with Extra Merchant Data if you operate in the following sectors or if you fall within the use cases specified in the table:

Sectors and use cases

Requested EDMs

Details

Travel

air_reservation_details, train_reservation_details, bus_reservation_details, ferry_reservation_details, car_rental_reservation_details, hotel_reservation_details, trip_reservation_details

For travel-related services, passenger and itinerary information must be provided through the applicable EMD for the service provided.

Marketplace

marketplace_seller_info, marketplace_winner_info

In the case of marketplace services where an order is created for a sub-seller, it is necessary to share information about the sub-seller, including the category of products sold and the seller ID.

Ticketing

Events

In the case of ticket sales for an event, information on the event must be provided.

Client information

customer_account_info, payment_history_full, payment_history_simple

In the case of registration on the website, EMD allows customers to be identified on subsequent logins, to improve the experience and even if they have no payment history with Klarna.

In-store pick-up

other_delivery_address

In cases of online purchase and in-store pick-up, the EMD must be sent to enable a proper risk analysis of the transaction.

More information on the different data fields for each package can be found at Klarna Docs - Extra merchant data external link

How to send EMDs

Firstly, it is necessary to add the data according to the specifics and your own product sector (to find out which product sector is appropriate to you, you can contact your Account Manager). You must also include the Extra Merchant Data in the attachment property and add it to the order, as seen from the payment/create call. The example below concerns recurring orders, which require subscription details and customer_account_info.

SOAP

REST

1<ecom:OrderDetails>
2      <ecom:ProviderData>{"customer_account_info":[{"unique_account_identifier":"test@gmail.com","account_registration_date":"2017-02-13T10:49:20Z",
3        "account_last_modified":"2019-03-13T11_45_27Z"}]}</ecom:ProviderData>

1"OrderDetails": {
2    "ProviderData": "{\"event\": {\"event_name\":\"EsempioEvento",
3        \"ticket_delivery_method\":\"email\",\"ticket_delivery_recipient":\"mario rossi\"
4        \"event_company\":\"Azienda S.r.l.\",\"arena_name\":\"San Siro\",\"arena_location\":
5        {\"city\":\"Milano\"},\"start_time\":\"2024-05-15T19:55:00Z\",
6        \"end_time\":\"2024-05-15T22:55:00Z\"}}"

iDEAL

Klarna Pay Now (Sofort)