Klarna Financing

Hosted Checkout integration allows you to collect payment details from your payers through an interaction that the Mastercard Payment Gateway hosts and displays.

From the API version 62 onward, Klarna Financing is automatically available as a payment method once your payment service provider enables and configures you for this payment method.

For details, see Browser Payments via Hosted Checkout Integration.

Direct Payment integration allows you to offer the Klarna Financing on your own checkout page.

Klarna Financing is supported from the API version 61 onward.

Make an Initiate Browser Payment request where sourceOfFunds.type = KLARNA_FINANCING and browserPayment.operation = PAY (Klarna Financing does not support the Authorize operation).

{
   "apiOperation":"INITIATE_BROWSER_PAYMENT",
   "browserPayment":{
      "operation":"PAY",
      "returnUrl":"<your_merchant_URL>"
   },
   "customer":{
      "email":"john.smith@example.com",
      "firstName":"John",
      "lastName":"Smith",
      "mobilePhone":"01234567890"
   },
   "billing":{
      "address":{
         "street":"10 Upper Bank Street",
         "postcodeZip":"E14 5NP",
         "city":"London",
         "country":"GBR"
      }
   },
   "order":{
      "amount":99.2,
      "currency":"GBP",
      "item":[
         {
           "name":"Blue Jeans",
           "quantity":"1",
           "unitPrice":70.83,
           "unitDiscountAmount":48.16,
           "unitTaxAmount":4.53,
           "detail":{
             "unitTaxRate":0.2
            }
         },
         {
            "name":"Red Shirt",
            "quantity":"1",
            "unitPrice":20.83,
            "unitTaxAmount":4.17,
            "detail":{
              "unitTaxRate":0.2
            }
         },
         {
            "name":"Leather Belt",
            "quantity":"1",
            "unitPrice":25,
            "unitTaxAmount":5,
            "detail":{
              "unitTaxRate":0.2
            }
         },
         {
            "name":"Baseball Cap",
            "quantity":"1",
            "unitPrice":10,
            "unitTaxAmount":2,
            "detail":{
              "unitTaxRate":0.2
            }
         },
         {
            "name":"Shipping and Handling",
            "quantity":"1",
            "unitPrice":4.17,
            "unitTaxAmount":0.83,
            "detail":{
               "unitTaxRate":0.2
            }
         }
      ]
   },
   "sourceOfFunds":{
      "type":"KLARNA_FINANCING"
   }
}

In addition to the standard fields required in a browser payment request, provide the following required information for the processing of Klarna Financing.

Billing Address and Contact Details

These fields are mandatory unless otherwise stated and are required to support the Klarna Financing risk assessment and credit checking processes. The payer's contact information is used to communicate with the payer and to provide electronic invoices and payment notifications.

• billing.address.city
• billing.address.country
• billing.address.postcodeZip
• billing.address.street
• customer.email
• customer.firstName
• customer.lastName
• customer.mobilePhone: This field is required when customer.phone is not provided.
• customer.phone: This field is required when customer.mobilePhone is not provided.

Shipping Address and Contact Details

These fields are mandatory when a value for any shipping.address.* or shipping.contact.* field is provided.

• shipping.address.city
• shipping.address.country
• shipping.address.postcodeZip
• shipping.address.street
• shipping.contact.email
• shipping.contact.firstName
• shipping.contact.lastName

Order Item Details

Provide complete details about each order item that is purchased so that Klarna Financing can correctly validate and display this information to payers and support risk and credit checking processes of Klarna Financing.

• order.item[n].name
• order.item[n].quantity: The value of this field must be an integer.
• order.item[n].unitPrice
• order.item[n].unitDiscountAmount: This field is required when the item has been discounted and must be provided if a value is provided in the order.discount.amount field.
• order.item[n].unitTaxAmount: This field is required when a payer has to pay tax on the item.
• order.item[n].detail.unitTaxRate: This field is required when a value for unit tax amount has been provided.

Shipping and Handling

The total tax amount payable for the order is displayed to payers during the payment flow. If the amount payable for shipping and handling includes tax, then you must create an order line to represent shipping and handling so that the discrete tax amount can be provided. If tax does not apply then the shipping and handling amount can be provided in the order.shippingAndHandlingAmount field.

Preferred Language

You can set the language that you prefer Klarna Financing to use for pages displayed to payers by providing the browserPayment.preferredLanguage field in the Initiate Browser Payment request. However, for Klarna Financing only the primary national language of the billing.address.country or English will be supported.

Chargebacks

Klarna Financing payments are at risk of chargebacks. If payers successfully dispute a payment with Klarna Financing, then a chargeback transaction will be created on the order. For more information, see chargeback transaction.