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Introduction to Klarna Integration

Klarna is a Buy Now Pay Later (BNPL) payment method that you can offer your customers through Cybersource. With Klarna, you can enable your customers to split their payments into multiple installments. You can display the Klarna payment method to your customers during checkout by either presenting a Klarna widget or redirecting your customers to a Klarna-hosted webpage.

Klarna API Requests

These are the API requests you must integrate with to process a Klarna transaction:

Session

Authorization

Capture

Refund

Authorization-reversal

Check status

Requirements

You must obtain a Cybersource merchant ID and a Klarna API key for each country in which you process transactions. Contact your Cybersource account manager for more information.

Supported Countries and Currencies

Contact your account manager for the latest supported countries and currencies information.

For information about the country codes, currency codes, and language codes, see these relevant guides:

ISO Standard Country Codes

ISO Standard Currency Codes

ISO Standard Language Codes

Klarna Review Process

Before you can launch Klarna payments, Klarna reviews your integrations. For more information about Klarna's pre-launch review process, contact your Cybersource account manager.

Shipping Policies

Always follow the shipping policies for each country as outlined by Klarna to ensure that Klarna assumes liability for fraudulent transactions. For Klarna's shipping policy, see:

https://www.klarna.com/international/shipping-policies/

Disputes and Fraud

Klarna has a standard process for handling risky transactions and disputes between you and your customers. For more information, contact your technical account manager or customer support.

Chargeback Notifications

Customers can file payment disputes directly to Klarna to receive a chargeback payment for the disputed amount.

For information about setting up notifications for chargebacks, see Klarna Chargebacks.

Getting Started with REST

To begin processing payments through Cybersource, you must first set up your payment processing system to be REST compliant. Cybersource uses the REST, or (REpresentational State Transfer), architecture for developing web services. REST enables communication between a client and server using HTTP protocols.

For more information about how to set up secure communications between your client and server using either a JSON Web Token
or HTTP signature
, see the Getting Started with REST Developer Guide
.