Browse by Topic

Connecting with Klarna Payments

Klarna Payments is an alternative payment gateway that complements your checkout with "pay over time" options at checkout. In addition to processing payments, Klarna Payments also offers real-time credit decisioning and fraud detection services out of the box. With Klarna Payments, you can increase Average Order Value (AOV) and conversions by providing convenient, stress-free flexible financing.

Not everyone will qualify for "pay over time" financing. We recommend offering additional payment methods to ensure everyone can checkout successfully.



  • Merchants must be using Optimized One Page Checkout.
  • If additional payment gateways are enabled, they must be compatible with Optimized One Page Checkout.
  • Store must be located in the United States and have USD configured as the store's default currency.

Setting up Klarna Payments in BigCommerce

If you do not currently have a Klarna Payments merchant account, you can apply for one. If you already have an account, you can connect to it by following the steps below.

1. Go to Store SetupPayments.

2. Click the plus (+) icon next to Other Online Payment Methods.

Other Online Payment Methods button

3. Locate Klarna Payments and click Set up beside it.

Klarna Set up button

4. You'll be taken to the Klarna Payments Settings tab. Enter a display name, then enter the credentials from your Klarna Payments merchant account into their corresponding fields.

Klarna Payments Settings tab


What is Playground ID and Password? Playground ID and Playground Password are only required if you plan on enabling Test Mode. Test mode will enable you to submit test transactions. Test transactions are a good way to make sure your account is setup and functioning correctly. You should choose No (Recommended) when your store is ready to go live.
Klarna Payments Test Mode

5. Save your changes.



When your customer is checking out, they'll be given the option to pay with Klarna or choose another payment method that you have enabled. See Common Questions for more information on which options you can offer.

Klarna at checkout


Fraud Features

When an order is created with Klarna Payments, the order will have a fraud status of Approved, Pending or Rejected. Funds can be captured in any status, however, we recommend to only capture funds on orders which have the Approved status. You'll be accepting any risk when capturing funds on orders with the Pending or Rejected fraud status.

Order details


Common Questions


What financing options can I offer using Klarna Payments?

Payment options are determined by geography and your merchant agreement with Klarna. The possible options are:

  • Pay After Delivery (Invoice)
  • Flexible Payments
  • Planned Payments
  • Buy Now, Pay Later (Pay in X months)

Pricing and Fees

What fees are associated with Klarna Payments?

  • Merchant fees are determined on a merchant-by-merchant basis and are part of your merchant agreement with Klarna.

Account Eligibility

What countries and currencies does Klarna Payments support?

  • Our integration currently supports the United States(USD).

What items are restricted for merchants to sell?

  • This varies by market. Contact Klarna Payments for more information.


After I create an account, what is the waiting period before I can process transactions?

  • The waiting period varies by market, but merchants can start processing transactions as soon as they are integrated with Klarna.

How long until a transaction's funds are transferred to my account?

  • This is based on your merchant agreement with Klarna.

Will my customers receive an additional email or invoice from Klarna Payments?

  • The options listed above will send an email to the customer with the details of their order and payment.

Will I receive an invoice from Klarna for fees?

  • Klarna will hold back transaction fees from the total amount settled, so there is no invoice provided. You can view settlement details in Klarna’s merchant portal.

Will there be a minimum order amount required to use Klarna Payments?

  • Not all orders will qualify for financing options. The minimum order amount will be based on your merchant agreement with Klarna.

Does Klarna Payments have an order cap?

  • Yes. The order cap will be based on your merchant agreement with Klarna.


How soon after a transaction can I perform a refund?

  • A refund can be processed after a capture has been successfully executed on the order.

Is there an amount of time after which I cannot perform a refund?

  • The standard order window is 90 days. Beyond 90 days, you will need to contact Klarna merchant support to execute actions on the order.

Are there any fees for chargebacks/refunds?

  • This is based on your merchant agreement with Klarna.

How do I perform a refund?

  • See Processing Refunds for information on how to perform a refund in the BigCommerce control panel.

Additional Features

Does Klarna Payments allow authorize-only payments?

How about recurring/subscription payments?

  • No, recurring payments are not supported at this time.

Troubleshooting and Payment Disputes

How are payment disputes handled?

  • Payment disputes are handled by Klarna Customer Service.

How do I contact Klarna Customer Service?

  • Contact channels can be found in their FAQ.

Was this article helpful?