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 Austria, Denmark, Finland, Germany, Netherlands, Norway, Sweden, United Kingdom, United States of America, Belgium, Switzerland.
- Klarna Slice It: allows customers to pay in installments of their choice, with durations ranging from 3 to 36 months. Available in Austria, Denmark, Finland, Germany, Netherlands, Norway, Sweden, United Kingdom, United States of America, Spain, Italy.
Klarna is available for Professional and Unlimited accounts.
The maximum payable amount by a customer, for Klarna, is:
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
Please refer to the API section on how to use Klarna on Axerve Ecommerce Solutions.
To use Klarna you must send some mandatory parameters, children of
- BillingAddress fields, as specified in the next section.
- A list of ProductDetails
Based on the buyer’s country, you might need to set fields differently.
- DE: you have to send
- NL: you have to send
- US: you have to send
- All other countries (
AT | DK | FI | NO | SE | GB) require
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:
Billing Addressis not complete: only
House Numberare editable for Billing address
Billing Addressis not complete &
Shippingis different and incomplete: only
House Numberare editable for both Billing and Shipping.
If the Billing Address
CountryCodediffers from Shipping Address
CountryCode, the transaction will fail.
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.
Based on the Billing Address
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|
||Discount||All available countries||Entered as a negative value to be subtracted from the total order|
||Phisical article||All available countries||Physical purchase|
||Shipping fee||All available countries||Used when a shipping fee is added to the order|
||Only for USA VAT tax|
||Digital article||All available countries||Intangible purchase, like a license|
||Gift Card||All available countries||Gift card purchase|
||Store credit||All available countries||Entered as a negative value to be subtracted from the total order|
||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.
7 is only used when a product is sold in a
- a product with type
4is 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
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.
|Product 1||Product 2||Product 3|
||This is an example WITH percentage discount||This is an example WITHOUT percentage discount||this is the discount|
In this case, the
Applied only to the item, in percentage
The total price is:
The discount, either global or per-product, can influence the refund process.
The remaining data, besides product & billing details, should be sent in full (ie: customer FirstName; customer LastName; phone, email address, social 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'
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:
- First Name:
- Last Name:
- Zip Code:
- Phone Number:
You might want to test for other countries. Here are other Personal Numbers:
You can perform partial or total refunds in two ways:
- from the merchant backoffice
CallRefundS2S, a server-to-server call.