During the payment process, a Source object is created and your customer is presented with a Klarna Hosted Payment Page that displays payment options, including Pay now, Pay later, and Financing. Your integration then uses the source to make a charge request and complete the payment.
U.S. users can accept payments from U.S. customers, and European users can accept payments from customers in the following countries:
|Purchase Country||Country Code||Currency|
Klarna may request additional information relating to high risk orders and in some cases require that you cancel and create a refund for orders that haven’t shipped. Generally, failure to respond within 24 hours may result in a dispute at a later date. Refer to the Klarna shipping policies for more details.
Payments made with Klarna can only be submitted for refund within 180 days from the date of the original charge. After 180 days, it is no longer possible to refund the charge.
Klarna supports both full and partial refunds. When you create a refund for the full amount of the charge, the Klarna order is voided, and if funds had been moved by the customer, Klarna will return these funds. You can also issue multiple partial refunds, up to the amount of the original charge. A partial refund will update the Klarna order to reflect the new total amount, and if funds were moved by the customer, Klarna will return the difference.
You can submit a refund against charges that are still pending and have not yet been confirmed. If you create a full or partial refund on a pending charge, the refund is performed only after the charge’s status is transitioned to
succeeded. In the event of the charge transitioning to status failed, full and partial refunds are marked as canceled, as the money never left the customer’s bank account.
Klarna may initiate a dispute if the customer claims that you haven’t delivered the relevant goods or services as expected. Before initiating a dispute, Klarna will contact you via email, providing details of the customer’s claim. Klarna may request additional information in order to resolve it. If Klarna ultimately rules in favor of the customer, they may initiate a dispute.
If Klarna creates a dispute, a
charge.dispute.created webhook event is sent and Stripe deducts the amount of the dispute from your Stripe balance.
Klarna disputes are final and there is no appeal process.
A source must be used within one hour of becoming
chargeable. If unused after an hour, its status automatically transitions to
canceled and your integration receives a
source.canceled webhook event.
Testing Klarna payments
Below is a set of test email addresses and test credit repayment options outlined by customer country. You can use these to test Klarna payments under various conditions while you develop your Klarna integration.