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Connecting with Klarna Payments

Klarna Payments  is an alternative payment gateway that complements your checkout with pay later, financing, and installments. You can increase Average Order Value (AOV) and conversions by providing convenient, stress-free flexible financing without taking on additional risk.

Klarna pays merchants in full for each transaction, taking over the responsibility for collecting payment from your customers. In addition to processing payments, Klarna Payments also offers real-time credit decisioning and fraud detection services out of the box.


Pro Tip! - Not everyone will qualify for financing options. 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 one of the following countries, with the corresponding currency set as the store's default currency:
    • Australia (AUD)
    • Austria (EUR)
    • Denmark (DKK)
    • Finland (EUR)
    • Germany (EUR)
    • The Netherlands (EUR)
    • Norway (NOK)
    • Spain (EUR)
    • Sweden (SEK)
    • Switzerland (CHF)
    • United Kingdom (GBP)
    • United States (USD)

Setting up Klarna Payments

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

Klarna API Credentials

After you've set up your account, you'll need to grab your API credentials. Log into your Klarna account if you haven't done so already, and go to Settings.

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Within Settings, click Generate new API credentials. You'll be given a Username (UID) and Password with the option to download them as a text file. You'll need these API credentials in the next section.

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BigCommerce Setup

Go to Store SetupPayments, and expand the Online Payment Methods section. Then click Set up next to Klarna Payments.

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You'll be taken to the Klarna Payments Settings tab. Enter in the API credentials you gathered from the previous section into their corresponding fields. The default display name that shows on the checkout page can also be customized if you so wish. Save your changes when you're ready.

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What is Playground ID and Password? Playground ID and Playground Password are only required if you plan on enabling Test Mode to submit test transactions. Test transactions are an excellent way to make sure your account is set up and functioning correctly. You should choose No (Recommended) when your store is ready to go live.


Checkout Experience

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.

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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 a Pending or Rejected fraud status.

In situations where an order is created with a Pending status, Klarna will perform a manual fraud check and then updates the order to either an Accepted or Denied status within 24 hours.

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Common Questions



What financing options can I offer using Klarna Payments?

Payment options are determined by geography and your merchant agreement with Klarna. The links below contain further information on available payment options:


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:

  • Europe
    • If you have an EU Klarna account, you can accept payment in any of the following currencies:
      • EUR
      • GBP
      • DKK
      • NOK
      • SEK
      • CHF
  • United States
    • If you have a US Klarna account, you can accept payment in the following currencies:
      • USD
  • Australia
    • If you have an OC Klarna account, you can accept payment in the following currencies:
      • AUD

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 their order and payment details.

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 three years. After three years, 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?

Yes, all Klarna Payments transactions must be manually captured. Transactions are authorized for 28 days and should be captured within this period. See Manually Capturing Transactions (Authorize Only) for information on how to capture funds manually in the BigCommerce control panel.

How about recurring/subscription payments?

No, recurring payments are not supported at this time.

Does Klarna Payments support multiple currencies?

Yes. Klarna supports additional transactional currencies along with your default currency. See Managing Currencies for more information.


Troubleshooting and Payment Disputes

How are payment disputes handled?

Klarna Customer Service handles payment disputes.

How do I contact Klarna Customer Service?

Contact channels can be found in their FAQ.

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