Accept a Klarna payment

Learn how to accept Klarna, a global buy now, pay later payment method.

Web

Mobile

Stripe automatically presents your customers payment method options by evaluating their currency, payment method restrictions, and other parameters. We recommend that you configure your payment methods from the Stripe Dashboard using the instructions in Accept a payment.

If you want to continue manually configuring the payment methods you present to your customers with Checkout, use this guide (for example, to accept payments in Subscription mode). Otherwise, migrate to the dashboard.

Klarna is a single use, immediate notification payment method that requires customers to authenticate their payment. Customers are redirected to a Klarna page, where they select among multiple payment options (immediate full payment, payment in installments, or deferred payment). When the customer accepts the terms, Klarna guarantees that the funds are available to the customer and transfers the funds to your Stripe account. The customer repays Klarna according to their selected payment option.

Before you start the integration, make sure your account is eligible for Klarna by navigating to your Dashboard payment method settings.

Determine compatibility

A Checkout Session must satisfy all of the following conditions to support Klarna payments:

Prices for all line items must be in the same currency. If you have line items in different currencies, create separate Checkout Sessions for each currency.
You can only use one-time line items (recurring subscription plans are not supported).

Accept a payment

Build an integration to accept a payment with Checkout before using this guide.

Use this guide to learn how to enable Klarna—it shows the differences between accepting a card payment and using Klarna.

Enable Klarna as a payment method

When creating a new Checkout Session, you need to:

Add klarna to the list of payment_method_types
Make sure all your line_items use the same currency.

Stripe::Checkout::Session.create({
  mode: 'payment',
  payment_method_types: ['card'],
  payment_method_types: ['card', 'klarna'],
  line_items: [{
    price_data: {
      currency: 'usd',
      # To accept `klarna`, all line items must have currency: eur, dkk, gbp, nok, sek, usd, czk, aud, nzd, cad, pln, chf
      currency: 'eur',
      product_data: {
        name: 'T-shirt',
      },
      unit_amount: 2000,
    },
    quantity: 1,
  }],
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Test your integration

When testing your Checkout integration, select Klarna as the payment method and click the Pay button. In test mode, you can then simulate different outcomes within Klarna’s redirect.

Below, we have specially selected test data for the currently supported customer countries. In test mode, Klarna approves or denies a transaction based on the supplied email address.

	Approved	Denied
Email	user-at@example.com	user-at+denied@example.com
Street	Klarna-Straße 1/2/3	Klarna-Straße 1/2/3
City	Hausmannstätten	Hausmannstätten
Postal code	8071	8071
Phone	0676 2666666	0676 2888888

For production testing, you can use an amount of 3500 in your local currency to test all Klarna payment options besides Financing. For example, if you want to test “Pay in 3” in Italy, you can use a transaction of 35.00 EUR.

Two-step authentication

Any six digit number is a valid two-step authentication code. Use 999999 for authentication to fail.

Repayment method

Inside the Klarna flow, you can use the following test values to try various repayment types:

Type	Value
Direct Debit	DE11520513735120710131
Bank transfer	Demo Bank
Credit Card	Number: 4111 1111 1111 1111 CVV: 123 Expiration: any valid date in the future

Handle refunds and disputes

Learn more about Klarna disputes and refunds.