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
- Get the optimal user experience for Klarna payments using our Responsive Payment Page template. If you are already using our template and still have unsatisfactory results, make sure to install the current version
- Use it together with our best practices to adapt the look and feel of the Hosted Payment Page to your corporate identity. This will optimise your customers’ payment experience and so boost your conversion rate!
Payment group: Instalment
We support the following payment methods:
|Payment method||Description||PM/BRAND value|
|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!||KLARNA_PAYNOW|
|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||KLARNA_BANK_TRANSFER|
|Direct Debit||One possible option for the Pay Now payment method: Klarna debits your customer’s bank account sometime after the purchase, but you get the funds for it right away||KLARNA_DIRECT_DEBIT|
|Pay Later||Allow you customers to pay 14 or 21 days after the purchase. As soon as you ship the order, you will get the full amount already!||KLARNA_PAYLATER|
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!
|Financing (Pay in 3)||
Allow your customers to split their purchase in three interest-free instalments. They pay the first instalment right after the purchase and the other two after every 30 days later respectively. As soon as you ship the order, you will get the full amount already!
Countries and currencies
Offer this exceptional payment experience to all your customers in Central Europe and Scandinavia:
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 / valeurs possibles|
|Mandatory||Basic parameters Hosted Payment Page||Basic parameters for a standard Hosted Payment Page transaction request|
Allow your customers to pay with the payment method of their choice. Send either of the values for both PM and BRAND:
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.)
|Your customer’s billing data|
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.
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.
|Your customer’s detailed billing data|
When sending any of these, make sure to send all those marked with an “*”
3. Perform maintenance operations
Perform maintenance operations (i.e. refunds) on your processed transactions by sending the following values for the so-called parameter OPERATION.
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.
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 email@example.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 firstname.lastname@example.org and asking for contract information.