Extra Merchant Data (EMD) - Klarna

Klarna collects additional information regarding the customer and the purchase for certain use cases. This information, referred to as extra merchant data (EMD), consists of data that is typically not available at the checkout, but which enables Klarna to complete an assertive risk assessment, enable new promotional products and improve conversion rates for a boost in performance. For certain business categories, EMD is required.

Registered Customer EMD

For all merchants regardless of business categories, Registered Customer EMD can help improve the credit limit and increase your checkout conversion rate on your returning customers who are new to Klarna. By sharing the EMD of the customer's info and purchase history, Klarna can also recognize them as returning shoppers.

Customer Info

If the customer is registered, you can share the registration information about the customer.

• Required EMD:
  • customer.merchant_customer_id
  • additional_info.customer_activity_data.registration_date
  • additional_info.customer_activity_data.last_modified_at

Purchase Summaries

If the customer has purchased before, you can share their payment history information.

• Required EMD:
  • customer.merchant_customer_id
  • additional_info.customer_activity_data.purchase_summaries

Sample request body for creating payment intent:

JSON
1{
2 ...
3    "customer": {
4      "address": {
5        "city": "Shanghai",
6        "country_code": "CN",
7        "postcode": "100000",
8        "state": "Shanghai",
9        "street": "Pudong District"
10      },
11      "business_name": "Abc Trading Limited",
12      "email": "[email protected]",
13      "first_name": "John",
14      "last_name": "Doe",
15      "merchant_customer_id": "string",
16      "phone_number": "13800000000"
17    },
18    ...
19    "additional_info": {
20      "customer_activity_data" : {  
21        "registration_date": "2019-09-18",
22        "last_modified_at": "2019-09-18T12:30:00Z",    
23        "purchase_summaries": [
24          {
25            "currency": "USD",
26            "first_successful_purchase_date": "2019-01-01",
27            "last_successful_purchase_date": "2019-01-01",
28            "payment_method_type": "klarna",
29            "successful_purchase_amount": 123.45,
30            "successful_purchase_count": 1
31          }
32        ],
33        ...
34      }
35    }
36}

Business Category EMD

For certain business categories, including Travel/OTA (Online Travel Agency), Ticketing (Events), Intangible Goods (incl. Online Education), and Marketplace, EMD is required. If your businesses are in the relevant categories, we typically require an EMD package for your integration API and approval from Klarna before go-live. Please contact your Account Manager for EMD integration details.

In addition, it is strongly recommended to pass Registered Customer EMD whenever available to increase the Klarna approval rate.