1. Introduction

Klarna is a Swedish Bank that offers a vast variety of payment methods, with maximum security for both your customers and you. It is only available for our Hosted Payment Page integration.

  • It’s simple: you have low PCI requirements
  • It’s safe: Klarna’s practice of purchase of accounts receivable guarantees that you get your money
  • It’s smooth: A variety of payment methods, a transparent and seamless checkout fulfil all your customer’s needs and preference

To offer this payment method to your customers, make sure to sign a contract with Klarna.
Our colleagues from our sales department are happy to assist you.

Overview

Payment group: Instalment

We support the following payment methods:

Payment method Description
Pay Now Your customers can choose between Bank Transfer or Direct Debit. They confirm the purchase with a simple code - no need for them to enter a lengthy card or bank account number!
Bank Transfer One possible option for the Pay Now payment method: Your customers make a transfer to Klarna sometime after the purchase, but you get the funds for it right away
Direct Debit
Pay Later Allow you customers to split their purchase in three interest-free instalments. As soon as you ship the order, you will get the full amount already!
Financing

Offer your customers a financing scheme: Let them pay

over a 6 – 36 month-period until the full amount is paid – you get the full amount once you ship the order!

Countries and currency

Offer this exceptional payment experience to all your customers in Central Europe and Scandinavia:

Payment method Countries Currencies
Pay Now

Austria (AT)

Belgium (BE)

Switzerland (CH)

Germany (DE)

Finland (FI)

The Netherlands (NL)

Sweden (SE)

CHF

EUR

SEK
Bank Transfer

Austria (AT)

Belgium (BE)

Switzerland (CH)

Germany (DE)

Finland (FI)

The Netherlands (NL)

Sweden (SE)

CHF

EUR

SEK
Direct Debit

Austria (AT)

Germany (DE)

The Netherlands (NL)

Sweden (SE)

EUR

SEK
Pay Later

Austria (AT)

Germany (DE)

Denmark (DK)

Finland (FI)

The Netherlands (NL)

Norway (NO)

Sweden (SE)

United Kingdom (UK)

Belgium (BE)

Switzerland (CH)

CHF

DKK

EUR

GBP

NOK

SEK

Financing

Austria (AT)

Germany (DE)

Finland (FI)

Norway (NO)

Sweden (SE)

United Kingdom (UK)

EUR

GBP

NOK

SEK

2. Integration

Use our eCommerce integration to create orders. To do so, send a set of parameters for each request to our platform. Find detailed information (short description, format, maximum length and so on) for each parameter in our parameter cookbook.

Have a look on the mandatory and optional parameters for a typical transaction request:

Parameter category Parameter Description / Possible values
Mandatory Standard Hosted Payment Page parameters Basic parameters for a standard Hosted Payment Page transaction request

PM

BRAND

Allow your customers to pay with the payment method of their choice. Send either of the values for both PM and BRAND:

KLARNA_DIRECT_DEBIT

KLARNA_PAYNOW

KLARNA_PAYLATER

KLARNA_FINANCING

KLARNA_BANK_TRANSFER

ITEMIDX

ITEMNAMEX

ITEMPRICEX

ITEMQUANTX

ITEMVATCODEX

TAXINCLUDEDX
Order details: Define your customer’s order by sending the following ITEM parameters. Replace “X” with a number to group them to one order (i.e. ITEMID1, ITEMNAME1 etc.)

ECOM_BILLTO_POSTAL_CITY

ECOM_BILLTO_POSTAL_COUNTRYCODE

ECOM_BILLTO_POSTAL_NAME_FIRST

ECOM_BILLTO_POSTAL_NAME_LAST

ECOM_BILLTO_POSTAL_POSTALCODE

ECOM_BILLTO_POSTAL_STREET_LINE1

ECOM_BILLTO_POSTAL_STREET_NUMBER

EMAIL

ECOM_SHIPTO_DOB

Your customer’s billing data
Recommended

ORDERSHIPCOST

The share of the shipping cost in the total sum as defined in parameter AMOUNT 

MULTIPLIED BY 100 since the format of the amount must not contain any decimals or other separators. 

Make sure to always send ORDERSHIPMETH together with this parameter.

Sending both ORDERSHIPMETH ORDERSHIPCOST will 

  • help Klarna to perform a risk analysis of the order. This raises the chance that Klarna accepts the order 
  • show your customers the share of the shipping cost on their invoices 
 

ORDERSHIPMETH

Free description (up to 25 alphanumeric characters) of the shipping method you choose to send your goods / services 

Make sure to always send ORDERSHIPCOST together with this parameter. 

Sending both ORDERSHIPMETH ORDERSHIPCOST will 

  • help Klarna to perform a risk analysis of the order. This raises the chance that Klarna accepts the order 
  • show your customers the share of the shipping cost on their invoices 

 

Optional

ECOM_CONSUMER_GENDER

ECOM_BILLTO_COMPANY

ECOM_BILLTO_POSTAL_COUNTY

ECOM_BILLTO_POSTAL_NAME_PREFIX

ECOM_BILLTO_POSTAL_STREET_LINE2

ECOM_BILLTO_TELECOM_PHONE_NUMBER
Your customer’s detailed billing data

ECOM_SHIPTO_COMPANY

ECOM_SHIPTO_POSTAL_CITY*

ECOM_SHIPTO_POSTAL_COUNTRYCODE*

ECOM_SHIPTO_POSTAL_COUNTY

ECOM_SHIPTO_POSTAL_NAME_FIRST*

ECOM_SHIPTO_POSTAL_NAME_LAST*

ECOM_SHIPTO_POSTAL_NAME_PREFIX

ECOM_SHIPTO_POSTAL_POSTALCODE*

ECOM_SHIPTO_POSTAL_STATE

ECOM_SHIPTO_POSTAL_STREET_LINE1*

ECOM_SHIPTO_POSTAL_STREET_LINE2

ECOM_SHIPTO_POSTAL_STREET_NUMBER*

ECOM_SHIPTO_TELECOM_FAX_NUMBER

ECOM_SHIPTO_TELECOM_PHONE_NUMBER

Delivery data

When sending any of these, make sure to send all those marked with an “*”

Perform maintenance operations

Perform maintenance operations (i.e. refunds) on your processed transactions by sending the following values for the so-called parameter OPERATION.

OPERATION value Action Description
DES

Cancel authorisations (Status 5 transactions)

Only applicable if you process transactions in 2 steps, reserving payments only in the first step.

Delete authorisation and close the transaction after this operation.
SAL / SAS

Capture authorisations (Status 5 transactions)

Only applicable if you process transactions in 2 steps, reserving payments only in the first step.

If you authorise payments only, make sure that you capture them later. Only then the transaction will reach status 9, for which you receive the payment for the transaction. Please check our dedicate guide on how to do this

SAL: partial data capture and leave the transaction open for another potential data capture.

SAS: (last) partial or full data capture and close the transaction (for further data captures) after this data capture
RFD / RFS Refund payments (Status 9 transactions)

RFD: partial refund and leave the transaction open for another potential refund.

RFS: (last) partial or full refund and close the transaction after this refund.

FAQs

The time to activate a payment method depends on the following factors:

  • It generally takes the acquirer or bank about a week to complete your affiliation. If you already have an affiliation, the activation takes a few days.
  • Some payment methods require additional checks before they can be activated, e.g. in case of 3-D Secure, which is requested directly at VISA or MasterCard (and not at the acquirer). 

With Ingenico Collect, you can activate several payment methods in one go.


An acquirer is a financial institution that processes payments from certain credit and debit cards. The acquirer is responsible for the financial part of transaction processing and Ingenico is responsible for the technical part. In other words, without an acquirer the money will not be transferred to your bank account.

For every online payment method you want to add, you need an acceptance contract with an acquirer. If you’d like advice on which acquirer would be best suited for you and your region, please contact our Sales team at sales.ecom@ingenico.com. If you know which acquirer you want to work with, you can simply select them from the drown down list when adding a payment method in your account. 

But why not let us take care of it for you? Ingenico Full Service allows you to activate many local payment methods, all at once and in several different countries – with one single contract. If you trade internationally, it could be the ideal way to accept payments from all across Europe. It saves you time-consuming administration and because you can offer more payment methods, it can also increase your revenues. 

Find out more about Ingenico Full Service here and by writing to sales.ecom@ingenico.com and asking for contract information.

Sometimes it happens that an affiliation number has been put inactive on the side of the acquirer. We suggest you contact your acquirer for this.