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Payments/Alternative payments/Klarna

Klarna Klarna

SOAP
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Technical documentation provided in this page refers to this payment system integrations happened before May 2022. Please contact Axerve technical supportexternal link for documentation regarding new activations.


Klarna is a sweedish based Ecommerce company that provides payment services for online stores. When a purchase is completed, Klarna will pay the merchant instantly, but will bill the acquirer only upon receiving the goods.

Klarna allows the user to pay immediately or in installments, only with an email address and a delivery address - no password. The merchant receives the full amount as soon as the sale is finalized, even if the acquirer chose to pay in installments. In particular, Klarna offers these services:

  • Klarna Pay Later: allows customers to pay 30 days after the purchase, similarly to a free trial period, or in 3 monthly installments. Available in AustriaDenmarkFinlandGermanyNetherlandsNorwaySwedenUnited KingdomUnited States of AmericaBelgiumSwitzerland.

  • Klarna Slice It: allows customers to pay in installments of their choice, with durations ranging from 3 to 36 months. Available in AustriaDenmarkFinlandGermanyNetherlandsNorwaySwedenUnited KingdomUnited States of AmericaSpainItaly.

The maximum payable amount by a customer, for Klarna, is:

Currency
Amount
EUR Amount

EUR

3.000

-

DKK

20.000

2.600

NOK

31.500

3.400

SEK

50.000

5.200

How does it work for the user?

After checkout, the customer must only insert email, zip code and a billing address. For returning customers it’s a one tap payment experience: the system will recognize you and will avoid to reenter sensitive data. This has prooved to be effective especially with mobile payments.

How do I activate it on Axerve Ecommerce Solutions?

Contact Axerve support to add Klarna to your payment options.

Klarna requires you to accept their terms and conditions, and they will also perform some tests to verify that the User Experience is compliant to their standards.

If you satisfy these requirements, you’ll be able to use Klarna with Axerve Ecommerce Solutions.

Klarna permits to authorize a payment and settle it in max 14 days. This is different from the default Axerve Ecommerce Solutions behaviour of 25 days.

How do I use it on Axerve Ecommerce Solutions?

If you want to use the paymentType tag for this method, the value to use is KLARNA. See the section How to redirect the customer to a payment method to learn how to use the paymentType tag.

Please refer to the API section on how to use Klarna on Axerve Ecommerce Solutionsapi link.

Mandatory fields

To use Klarna you must send some mandatory parameters, children of OrderDetails:

  • BillingAddress fields, as specified in the next section.

  • A list of ProductDetails

Billing Details

Based on the buyer’s country, you might need to set fields differently.

  • DE: you have to send HouseNumber + StreetName (along with ZipCode/City/CountryCode)

  • NL: you have to send HouseNumber + HouseExtention + StreetName (along with ZipCode/City/CountryCode)

  • US: you have to send State (along with ZipCodeCityCountryCode and StreetNumber)

  • All other countries (AT | DK | FI | NO | SE | GB) require ZipCodeCityCountryCode and StreetNumber

If the shipping address is different than the billing address, then Shipping needs to be sent in the request too, with full details, otherwise the transaction will be rejected.

Some exception apply to DE and NL Countries:

  • Only some details from shipping/billing can be added on Klarna’s page:

    • If Billing Address is not complete: only StreetName and House Number are editable for Billing address

    • If Billing Address is not complete & Shipping is different and incomplete: only StreetName and House Number are editable for both Billing and Shipping.

default

If the Billing Address CountryCode differs from Shipping Address CountryCode, the transaction will fail.

ProductDetails

ProductDetails contains info about products bought by your customers. It can have one or more ProductDetail along with all the info about pricing and discount. Klarna requires the price to follow some rules, described in the following paragraphs.

Product Type

Based on the Billing Address CountryCode, the Type attribute in ProductDetail can have different values.

Let’s see a table with all the possible Product types and when they’re used.

Type Value
Description
Country Code
Note

4

Discount

All available countries

Entered as a negative value to be subtracted from the total order

5

Physical article

All available countries

Physical purchase

6

Shipping fee

All available countries

Used when a shipping fee is added to the order

7

Sales tax

US

Only for USA VAT tax

8

Digital article

All available countries

Intangible purchase, like a license

9

Gift Card

All available countries

Gift card purchase

10

Store credit

All available countries

Entered as a negative value to be subtracted from the total order

11

Surcharge

All available countries

Used for additional fees

For all countries, you can use all product types listed above except 7. Choose the type the better represents the item you’re selling.

Type 7 is only used when a product is sold in a US country.

About type 4Discount:

  • a product with type 4 is a discount article that gets applied to the whole order. It has an absolute value and must be negative. There must be at most one occurence.

  • Klarna allows a discount for a single product, too, via the <Discount> tag. It must be positive and it’s value is percentual in the range 0-100. You can use it on products with type 1589.

Since both discounts can be used together, here is a formula to calculate the price along with discounts:

Let’s do an example. You can see three products and their attributes in this table.

Code
Product 1
Product 2
Product 3

ProductCode

1

2

3

Name

1

2

3

Description

This is an example WITH percentage discount

This is an example WITHOUT percentage discount

This is the discount

Quantity

3

2

1

Price

10

10

-5

Type

1

1

4
In this case, the type tells klarna that this is a discount product.

Discount Applied only to the item, in percentage

10

-

-

The total price is:

default

The discount, either global or per-product, can influence the refund process.

Optional details

The remaining data, besides product & billing details, should be sent in full (ie: customer FirstNamecustomer LastNamephoneemail addresssocial security number). However, these details can be added on Klarna’s page if not sent by Merchant.

Handling Failure on Klarna page

If the phone is not sent in the request and if on Klarna the customer enters incorrect details for this parameter, the customer will be redirected to the Failed page, without the possibility to re-enter the phone details. This does not apply for sandbox environment.

Credentials for test environment

Ask Axerve customer support to enable Klarna in test environments.

You can use the following parameters value in order to test Klarna in test environment. Use a low amount like 10.00 EUR. Remember to set the mandatory fields:

  • BillingAddress.CountryCode = 'SE'

  • PruductDetails.ProductDetail [1....N]

When landing of Klarna payment page use the following parameter to fill the field or send it directly in the parameters like as described above in order to have a successful test payment:

  • Personal Number: 410321-9202

  • First Name: Testperson-se

  • Last Name: Approved

  • Street: Stårgatan 1

  • Zip Code: 12345

  • City: Ankeborg

  • Phone Number: 0765260000

  • Email: youremail@email.com

You might want to test for other countries. Here are other Personal Numbers:

Country
Personal Number

SE

410321-9202

SE

4103219202

FI

190122-829F

FI

190122829F

NO

1087000571

DK

801363945

Partial reversal

You can perform partial or total refunds in two ways:

  • from the merchant backoffice

  • using CallRefundS2Sapi link, a server-to-server call.

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Company with Single Shareholder belonging to the Maurizio Sella S.a.a. VAT Group with VAT no. 02675650028 – Tax Code 02686620028 – Biella Court registration no. 71524 – Piazza Gaudenzio Sella 1, 13900 Biella – Share Capital € 4,000,000.00 fully paid-in – Registered in the Reg. Impr. C.C.I.A.A. Monte Rosa Laghi Alto Piemonte – Registered in the Register of Payment Institutions.