Klarna

Learn about Klarna, a global payment method for customers to buy now and pay later.

Klarna gives customers a range of payment options during checkout. Available payment options vary depending on the customer’s billing address and the transaction amount.

특성 #

The availability of payment methods per country depends on the merchant vertical.

Available country codes, Processing (Presentation) currencies, Settlement currencies, and Consumer currencies can be found from the table above.

The customer is redirected to the Klarna payment page to pay. If the customer chooses a deferred payment option, Klarna may collect additional information for risk assessment and approval. After providing payment details to Klarna, the transaction succeeds, and the customer is redirected back to your website.

Properties #

최소 거래 금액 #

Fair Financing (country and time period dependent)	Pay in 3	Pay Later	Pay Now
AT, DE: 6m=25 EUR, 12m=120 EUR, 24m=1,000 EUR, 36m=1,500 EUR	35 EUR	AT, DE: 0.1 EUR	0 EUR
FI: 6m=25 EUR, 12m=500 EUR, 24m=1,000 EUR, 36m=1,500 EUR	25 GBP	all other countries: 1 EUR or equivalent	0 SEK
NO: 6m=250 NOK, 12m=5,000 NOK, 24m=10,000 NOK, 36m=15,000 NOK	350 DKK		0 CHF
SE: 6m=250 SEK, 12m=5,000 SEK, 24m=10,000 SEK, 36m=15,000 SEK

최대 거래 금액 #

Fair Financing	Pay in 3	Pay Later	Pay Now
Max limit set by Klarna	1000 EUR	BE: 1,500 EUR (new users), 2,500 EUR (returning users)	15,000 EUR
	1000 GBP	AT, FI, DE, NL: 5000 EUR	150,000 SEK
	50,000 DKK	50,000 DKK, 75,000 NOK, 7,000 PLN, 100,000 SEK, 1,000 CHF, 600 GBP	15,000 CHF

통합 방법 #

서버 대 서버 #

결제 인텐트 생성 #

결제 인텐트는 고객으로부터 결제를 수금하려는 의도를 나타내는 객체로, 각 단계에서 결제 프로세스의 라이프사이클을 추적합니다.
먼저 서버에서 PaymentIntent를 생성하고 수금할 금액과 유로 통화를 지정합니다(SEPA 자동 이체는 다른 통화는 지원하지 않습니다).
이미 결제 인텐트 API를 사용하여 통합한 경우, 결제 인텐트의 결제 방법 유형 목록에 sepa_debit을 추가하세요.

요청

{
    "amount": 2000,
    "currency": "EUR",
    "confirm": true,
    "payment_method_data": {
        "type": "klarna",
        "billing_details": {
            "address": {
                "country": "DE"
            },
            "name": "Anthony VDK"
        }
    },
    "merchant_order_id": "txid_20221116110000",
    "return_url": "https://wooshpay.com"
}

응답

{
    "id": "pi_1646475541005467648",
    "object": "payment_intent",
    "created": 1681385334000,
    "currency": "EUR",
    "amount": 2000,
    "status": "requires_action",
    "livemode": false,
    "merchant_order_id": "txid_20221116110000",
    "client_secret": "pi_1646475541005467648_secret_nv4NCSnCNwjg8rF7wZ9TK566",
    "next_action": {
        "type": "klarna_handle_redirect",
        "klarna_handle_redirect": {
            "url": "https://r2.girogate.de/klarna/T971/I?tx=140058501637&rs=JdVuSMbapR6Tmci2UV82N8HKVzDHM00t&cs=7985d309af13cf53c6fe0b9acbfd9f493206330132aa7d63670137317ae60661"
        }
    },
    "payment_method_types": [
        "klarna"
    ],
    "confirmation_method": "automatic",
    "return_url": "https://wooshpay.com",
    "payment_method": "pm_1646475540888027136",
    "capture_method": "automatic"
}

환불 #

You can refund Klarna charges up to 365 days after the payment completes. Klarna cancels any remaining payments on a refunded charge and returns the already-paid amount to the customer. Refunds usually take 5-7 business days to complete, but may take longer depending on the customer’s financial institution and the type of purchase.

Refund amount:
Klarna supports full, partial, and multiple partial refunds.