Klarna Payments

Beta

Klarna is a popular online payment method that provides flexible payment options for your customers, enabling them to pay now, pay later, or pay over a period of time.

You can integrate with Klarna Payments to accept any of the following payment solutions:

• Pay now Customers pay the whole amount at the moment of purchase.
• Pay later Customers pay 30 days after the goods have been delivered.
• Pay over time Customers pay in three or four installments over a period of time.
• Financing Customers pay monthly in interest-bearing or interest-free payments, depending on their country.

Klarna performs risk checks on the customer before approving a payment. If the checks are successful, Klarna settles you in advance and takes on the full fraud risk for the payment.

Manage On-site messaging and disputes

During your onboarding process when integrating with Klarna, Checkout.com registers your email to access Klarna's Merchant Portal.

You can use Klarna's portal to manage on-site messaging and disputes.

On-site messaging

On-site messaging is a solution that enables you to add tailored messaging to your business website or mobile app. Use messaging to let your customers know about the available payment options as they browse your online store. To learn more about the benefits, see the On-site messaging article in Klarna's documentation.

Set up On-site messaging

You can set up On-site messaging for your store or app using Klarna's portal:

1. Log in to Klarna's Merchant Portal and go to On-Site messaging.
2. Confirm your website.
3. Read and approve the Terms and Conditions.
4. Add the script to communicate with Klarna. This script is generic and is located at the top of the page.
5. Add the script for the messaging placement. This script enables Klarna to render the message for the customer.
   • You must provide the purchase amount information so that Klarna can display dynamic pricing and payment type information based on the basket size.
   • If you have items with varying prices, you might need to add another line of code to update the messaging placement on demand.
6. Copy the code snippet generated under Installation and add it to your site or app.

For more information on customizing the purchase experience, see Klarna UX guidelines

Disputes

For Klarna, disputes are any case where customers challenge their liability to pay you. When a customer contacts Klarna to open a dispute, they are asked to contact you to resolve the issue before Klarna can act as an intermediary.

To effectively manage disputes, you must enable notifications in Klarna's Merchant Portal. By default, all notification types are enabled and sent to one email address. For better control, you can customize your notification settings in the Email & Disputes Settings section. For more information, see Klarna Email and dispute settings.

Klarna categorizes disputes into different dispute reasons:

• Returns A customer returns all or part of their order.
  For more information, see Klarna's return instructions documentation.
• Goods not received A customer did not receive all or parts of their order.
• Faulty goods A customer received a broken item, or parts are missing or deviate significantly from the description.
  For information about what qualifies as significant deviation, See Klarna's merchant protection program documentation.
• Incorrect invoice A customer claims to have received an invoice that is incorrect. For example, missing discounts or incorrect items on the invoice.
• Unauthorized purchases A customer claims they did not make the purchase. These disputes are more time-sensitive and have a shorter deadline (7 days / 168 hours) than other disputes, such as returns (14 days / 336 Hours).

Klarna does not consider high-risk orders to be disputes. Disputes are raised by customers, whereas high-risk orders are flagged by Klarna's internal alarm systems designed to protect you from potential fraudulent activities. High-risk orders are time sensitive, and we recommend that you actively monitor them in Klarna's Merchant Portal and cancel these orders before shipping products.

For more information on how to resolve disputes in Klarna's Merchant Portal, see Klarna's Disputes app in Merchant portal documentation.

After a customer raises a dispute, you have 21 days to resolve the issue directly with them. If no solution is found after this period, Klarna starts an investigation.

The investigation outcome defines the next steps:

• You lose the dispute: Klarna performs a chargeback and charges you a dispute fee.
• You win the dispute: You are not charged a dispute fee.

If you resolve the dispute with your customer during Klarna's investigation, you are still charged a dispute fee.

For more information, see Klarna's dispute processing flow documentation.

Configure webhooks

You can manage your webhooks using the API, or the Dashboard.

When integrating Klarna Payment, you can subscribe to the following webhooks:

Available for