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Klarna - BETA
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Klarna - BETA

This payment method is currently available in the beta testing program. Please reach out to your Airwallex account manager or [email protected] if you'd like to join the beta.

klarna logo smaller

Gain access to shoppers on Klarna

Klarna is a popular Buy Now Pay Later payment method available in more than 20 countries . With Klarna, the shopper can choose to:

  • Pay now: Pay the whole amount instantly by card, direct debit, or other funding sources.
  • Pay later: Pay after the goods have been delivered, e.g., in 30 days.
  • Pay in parts: Pay in several (3 or 4) installments over time.
  • Financing: Term loans provided by Klarna.

Before approving the payment, Klarna performs risk checks on the shopper.

Functionalities and value-added features supported

FeaturesKlarna
Payment typeBuy Now Pay Later
Merchant supported countries/regionsAU, HK, SG, EU, UK, US
Shopper supported countries/regionsAT, BE, FI, FR, DE, GR, IE, IT, NL, PT, ES, DK, NO, PL, SE, CH, GB, CZ, US
Processing currencies by shopper countryAT, BE, FI, FR, DE, GR, IE, IT, NL, PT, ES: EUR
DK: DKK
NO: NOK
PL: PLN
SE: SEK
CH: CHF
GB: GBP
CZ: CZK
US: USD
Settlement currenciesAT, BE, FI, FR, DE, GR, IE, IT, NL, PT, ES: EUR
DK: DKK
NO: NOK
PL: PLN
SE: SEK
CH: CHF
GB: GBP
CZ: CZK
US: USD
Session timeout30 min
Recurring Payment
Refunds
Partial Refunds
Manual Capture
Partial capture✅ The remaining amount will be returned to shopper. Multi-capture is not supported.
Disputes/Chargeback
Settlement threshold-
Settlement schedule8 business days after payment capture
Settlement frequencyDaily

Choose the integration method that best suits your needs

Airwallex has built a range of client-side integration methods that allow you to manage your UI, minimize your implementation effort, and allow you to get to market quickly. Please refer to Payment methods overview

Accept omni-channel payments from your shoppers with Klarna

Airwallex’s solution supports Klarna payment acceptance via desktop and mobile channels.

PayPalDesktop Website BrowserMobile AppMobile Website Browser
One-off Payment
Recurring Payment

Capture Klarna payments

Unlike other payment methods, Klarna transactions are not automatically captured by default. After you ship the goods and services to your customers, you must manually capture Klarna payments within 28 days after authorization. You can do this through web app or API call. If the manual capture is not performed within 28 days, the authorization will expire.

If you are using Shopify plugin, manual capture is configured on Shopify store level that will apply to Klarna and all other payment methods.

If you are an API user, auto-capture can be enabled. See API reference - Confirm a PaymentIntent API.

klarna capture

Manage Klarna disputes

Klarna covers disputes driven by customer fraud or inability to repay instalments if you follow Klarna’s shipping policy. See Klarna’s Merchant Protection Terms for more details.

A customer can raise a dispute within 90 days of the original transaction. The best way to resolve the dispute is to communicate directly with your customer to try and solve the issue together. If you can’t reach a solution, then Airwallex might step in to help solve the dispute. See Klarna’s dispute flow for more details.

A shopper may raise disputes due to below reasons:

  • Returns
  • Goods not received
  • Incorrect invoices
  • Faulty goods
  • Already paid
  • Unauthorized purchases

Airwallex contacts both you and the customer to ask for evidence that you fulfilled the purchase order. The information helps determine if a dispute is valid or if they should reject it. Please make sure the evidence you provide contains as much detail as possible and submit the requested information within 14 days. If Klarna rules in favor of the customer, they might initiate a refund, with funds deducted from your pending settlement fund. Klarna dispute decisions are final and cannot be appealed.

Utilize Klarna On-Site Messaging (OSM)

OSM is a customized promotional information tool. After integrating Klarna OSM into your website or mobile app, shoppers can find Klarna's flexible payment options at checkout. OSM is a great way to inform shoppers about these payment benefits in advance. klarna OSM

To enable OSM on your website or mobile app, if you are a Shopify merchant, the Klarna OSM app is available on the Shopify App Store . Contact your Airwallex sales support for your merchant id, and connect it to your Shopify app. klarna osm shopify app

If you are an API merchant, please contact your Airwallex sales support to access your installation snippet. Add the snippet in your website's source code, preferably right after the opening tag.

Insert placement code snippets where you want the messaging to appear. You can find all placement code snippets and their styles via Klarna Docs - Placements . Optionally, you can customize OSM placement styles following Klarna’s instructions: Klarna Docs - Customize placements with CSS .

Utilize Extra Merchant Data (EMD)

Klarna requires additional information regarding the customer and the purchase in order to make a correct risk assessment for certain businesses, including Intangible Goods, Online Education, and Marketplace. You can see additional details via Klarna's guide here . This information, called ‘Extra Merchant Data’ (EMD), may consist of data about the customer performing the transaction, the product/services associated with the transaction, or the seller and their affiliates. Klarna’s requirements are documented here.

If your businesses are in the relevant verticals, we typically require an EMD package for your integration and approval from Klarna before go-live. Please contact your Account Manager for EMD integration details.

  • Intangible Goods and Online Education

    • Required EMD:
      • customer.merchant_order_id and customer.additional_info
      • order.product.effective_start_at and order.product.effective_end_at
    • Sample request body for creating payment intent:
  • Marketplace

    • Required EMD:
      • customer.merchant_order_id and customer.additional_info
      • order.sellers and the seller information provided in order.sellers should match with order.products.seller
    • Sample request body for creating payment intent:
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