Klarna allows the customer to shop online or in-store and to pay later. It gives flexible payment options, making it easier for them to shop. Klarna’s payment options include direct payments, pay-after-delivery options, and installment plans, that allow consumers to pay when and how they prefer to. When your customers choose to pay with a Klarna payment option, Klarna collects the payment from the buyer whenever they choose to pay, whether that be in 30 days, 3, or even 36 months.
➡️ Key benefits of offering Klarna as a payment method are:
Increased sales: Achieve 40% higher average order value on Klarna purchases, 20% increase in conversion, and 45% increase in purchase frequency
Large customer base: There are 150 million Klarna shoppers, with 69% shopper growth year-over-year
Significant payment volume: 2 million Klarna transactions per day across 45 countries
Extensive customer reach: 205 million monthly impressions on social media, 30+ million consumers impacted weekly
Competitiveness: Offer innovative payment options and be unique among your competitors
Consumer flexibility: You can provide customers with the flexibility to pay when and how they like
Consumer trust: Attract consumers who may not have made their purchase at all if Klarna was not an option, especially when buying for the first time from a merchant
Get started quickly: There is no need for the merchant to have an account with Klarna
How it works
How it works
At the checkout, the customer selects Klarna as their preferred payment method:
The customer is redirected to the Klarna checkout page to select a payment option before clicking Continue:
The customer is then prompted to enter their phone number:
The customer then confirms their phone number via SMS confirmation code:
The customer is then taken back to the Klarna checkout page:
After clicking Place Order, the customer selects their Klarna payment method:
The customer can then review and finalize their order on the next page:
How it works in a POS
How it works in a POS
On the POS terminal, the merchant selects:
(1) the QR code payment option
(2) the Klarna payment method
(3) the Klarna QR code is then displayed:
The customer then uses their mobile device to scan the QR code:
The customer is redirected to a Klarna-hosted page to provide details, review, and complete their payment:
Once the customer has completed the payment on their device, a confirmation message is shown on the POS terminal:
➡️ Details
Merchant's account: Merchants do not need to have an account with Klarna.
Payment method type: Synchronous - payments are confirmed immediately
Refunds: Supports partial and full refunds
Recurring payments: Not yet supported
Pre-authorizations: Supports pre-authorizations
0% Cashback: Not supported
MOTO: Not supported
Cancellation: Supports cancellation
Disputes: Supported
DCC: Not supported
Surcharge: Not supported
Tipping: Not supported
Installments: Not supported
Tokenization: No
Restricted MCC: Some Merchant Categories are not eligible to have Klarna activated
Μerchant countries: Available for merchants registered in Austria, Belgium, Croatia, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Netherlands, Poland, Portugal, Romania, Spain, Sweden, United Kingdom and Norway.
Customer countries: Available to customers in Austria, Belgium, Croatia, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Netherlands, Poland, Portugal, Romania, Spain, Sweden, United Kingdom and Norway.
Pricing: Please refer to our pricing page under the main navigation for more information
Settlement: Regardless of when the customer pays (i.e. regardless of the payment method used, e.g. Financing, Pay in 3, Pay in 4, Pay in 30 days), you always get paid the full amount of the purchase the next day after the completion of the purchase, with Klarna assuming all of the credit and fraud risk.
Cross-currency payments: Not yet supported
How to activate
How to activate
Activation of this payment method is instant. Once activated, merchants will immediately be able to accept payments via Klarna and will receive an email invitation for access in Klarna's Merchant Portal.
Sign in to your Viva.com account.
Click on Settings > API Access and scroll down to the Klarna (Payment Method) section.
Click on Enable Klarna as a payment method button:
Klarna will be activated and a Klarna ID allocated to you
If you would like to deactivate Klarna, click on the Disable Klarna as a payment method button:
➡️ Merchant Categories
Some merchant categories are not eligible to have Klarna activated. If your business is in one of these categories, you will not be able to accept payments through Klarna:
Restricted MCC
Restricted MCC
3000-3350 Airlines
3351-3500 Car Rental Agencies
3501-3999 Lodging
4111 Transportation–Suburban and Local Commuter Passenger, including Ferries
4112 Passenger Railways
4131 Bus Lines
4411 Cruise Lines
4722 Travel Agencies and Tour Operators
4816 Computer Network/Information Services
4829 Wire Transfer Money Orders (V, D, G, X) Money Transfer (M)
5094 Precious Stones and Metals, Watches and Jewelry
5122 Drugs, Drug Proprietors and Druggists Sundries
5499 Miscellaneous Food Stores–Convenience Stores, Markets, Specialty Stores, and Vending Machines
5815 Digital Goods: Books, Movies, Music
5816 Digital Goods: Games
5817 Digital Goods: Applications (Excludes Games)
5818 Digital Goods: Large Digital Goods Merchant (V) Digital Goods: Multi-Category (M)
5912 (Greece not restricted) Drug Stores and Pharmacies
5932 Antique Shops–Sales, Repairs and Restoration Services
5933 Pawn Shops
5966 Direct Marketing–Outbound Telemarketing Merchants
5967 Direct Marketing–Inbound Telemarketing Merchants
5969 Direct Marketing–Other Direct Marketers–Not Elsewhere Classified
5971 Art Dealers and Galleries
5993 Cigar Stores and Stands
6051 Quasi Cash–Merchant
6211 Securities–Brokers and Dealers
7011 Lodging–Hotels, Motels, Resorts–not elsewhere classified
7012 Timeshares
7273 Dating Services
7322 Debt Collection agencies
7512 Automobile Rental Agency–Not Elsewhere Classified
7841 VD/Video Tape Rental Stores
7922 Theatrical Producers (Except Motion Pictures), Ticket Agencies
7995 Gambling Transactions Betting (Sportsbook, fantasy, social gaming; when regulated and not covered by other MCCs) (D)
8398 Organizations, Charitable and Social Service
8651 Organizations, Political
8734 Testing Laboratories (Non-Medical)
➡️ Marketing activities
Merchants are expected to perform the marketing activities below:
Tech integration (for online):
Klarna logo and payment method badges are displayed at least on par with others throughout the website (including, but not limited to, the footer, homepage, product display page, cart/basket page, checkout and other consumer touchpoints)
Approved Assets (logos, widgets, Payment Method Display, and any other available asset - the “Klarna Assets”) applicable to the countries and products covered by the Klarna Scheme Rules shall be used.
The Klarna Assets shall always be rendered dynamically at every page load using the iframe assets of Klarna’s On-Site Messaging platform or Content Delivery Network.
Example:
Landing Page:
Merchants have to provide a landing page where shoppers can learn more about Klarna payment option(s). Klarna Assets shall be dynamically rendered at every page load using the iframe assets of Klarna’s On-Site Messaging platform.
Site Banner:
Klarna Assets shall be dynamically rendered at every page load using the iframe assets of Klarna’s On-Site Messaging platform.
On-site Messaging:
Product display page: Klarna promotional banner
Basket/cart page: Klarna promotional banner
If the Integration Merchant can demonstrate a materially negative impact caused by this functionality, it may be removed after six months.
Klarna Assets shall be dynamically rendered at every page load using the iframe assets of Klarna’s On-Site Messaging platform.
Example:
In-store (when offering Klarna in-store):
In-store messaging - Klarna availability shall be promoted throughout store locations with assets such as flyers, table tents, posters, and window stickers.
Staff training - With support from Klarna, the Integration Merchant provides education to store associates to ensure shoppers are correctly and accurately informed of the Klarna Payment Methods.
For all the above assets (logos, banners, etc.) visit Klarna.
➡️Get Support
If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!