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Klarna

Why choose Klarna​

Klarna is a Swedish payment solution that allows merchants to offer their customers the option to pay now, later or in instalments, through a fast and recognisable checkout. The benefit for the merchant is immediate: the full transaction amount is collected straight away, regardless of the payment option chosen by the customer.

Learn more

For further information see the official Klarna documentation

Services and features available through the Fabrick integration​

Integrating Klarna with Fabrick Payment Orchestra gives you access to a complete ecosystem of features:

  • Three payment options: Pay Now (immediate payment), Pay Later (deferred up to 30 days or split into 3-4 interest-free instalments), Financing (financing from 6 to 36 months).
  • Immediate collection for the merchant: the full transaction amount is credited to the merchant within the agreed timeframe, regardless of the payment option chosen by the customer.
  • Risk management: Klarna assumes the credit risk (consumer non-payment) and the fraud risk on approved transactions, within the limits set out in Klarna's policies. Disputes relating to the supply of goods and services remain the merchant's responsibility (see Dispute management).
  • International coverage: active in more than 20 countries across Europe, the United States, Canada, Australia and New Zealand (learn more).
  • Advanced transaction management: support for partial or multiple captures and refunds, with capture available within 28 days.
  • Multi-currency support: compatible with the currencies of the supported countries (learn more).
  • Simplified reconciliation: payment management and reporting through the Fabrick Dashboard (learn more).
  • On-Site Messaging: on request, activation of the service in the Klarna Merchant Portal to customise Klarna messaging on the merchant's website (learn more).
  • Dispute management: disputes are handled through the Klarna Merchant Portal (learn more).

Klarna products available​

Klarna offers three payment categories:

CategoryProductDescription
Pay NowBank TransferImmediate payment by bank transfer directly from the customer's online banking.
Pay by CardImmediate payment by credit or debit card (available in supported markets).
Pay LaterPay in 30 daysThe customer receives the product and completes the payment within 30 days.
Pay in InstallmentsThe customer splits the amount into 3 or 4 interest-free instalments.
FinancingFinancingMedium to long-term financing from 6 to 36 months for high-value purchases.
Collection for the merchant

Regardless of the option chosen by the customer, the merchant immediately receives the full transaction amount.

Geographic coverage and product availability​

Klarna is active in more than 20 countries across Europe, the United States, Canada, Australia and New Zealand. The table below maps Klarna product availability by country, currency and payment option.

Klarna geographic coverage and product availability

Actual availability

The table provides an indicative overview. Actual availability may vary depending on Klarna's policies, the user's profile and the local context. For up-to-date details see the official Klarna documentation.

Payment experience for the buyer​

During the payment process the buyer enters the phone number and/or the e-mail address associated with their Klarna account. The system recognises the user automatically, avoiding the need to enter any further data.

After signing in, Klarna guides the user through the checkout, where they can select their preferred payment option between Pay Now, Pay Later and Financing. The availability of the options depends on several factors:

  • User profile
  • Country of residence
  • Purchase amount
  • Klarna's policies

Settlement timing​

Settlement of Klarna transactions is managed by Fabrick as Payment Facilitator.

The timing depends on the Payment Facilitator agreement signed between the merchant and Fabrick. With daily settlement, the payment is credited at T+9 from the transaction capture date (where T is the day of the capture).

Transaction dateDay of the weekT+9 calendar daysDay of the week at T+9Credited when?
10/03/2025Monday19/03/2025Wednesday✅ 19/03/2025 (business day)
15/03/2025Saturday24/03/2025Monday✅ 24/03/2025 (business day)
25/04/2025Friday (public holiday)04/05/2025Sunday⏩ 05/05/2025 (Monday)
Non-business days

If the settlement date falls on a non-business day (public holiday or weekend), settlement is postponed to the next business day. This logic applies to all Klarna payment options (Pay Now, Pay Later, Financing): the merchant receives the settlement within the stated timeframe regardless of the option chosen by the customer.

Capture window

With Klarna the payment can be captured within 28 days, compared with the 25 days generally allowed for cards.

Dispute management​

Klarna's policy states that the merchant, as the supplier of the goods and/or services, is responsible for resolving disputes raised by the customer. Disputes are handled through the Klarna Merchant Portal (learn more).

The resolution timeframes vary according to the type of dispute:

Klarna dispute resolution timeframes

Calculating the escalation date

Timeframes run from the return date provided to Klarna by the customer. If the return date is less than 21 days, the escalation date is automatically postponed by 21 days from the return date.

If a dispute is not resolved within the expected timeframe, Klarna's customer service steps in to help the parties reach an agreement. This intervention may result in an additional fee charged to the merchant, applied retroactively where the outcome finds the merchant at fault.

No cost is charged to the merchant when the customer is found at fault, fails to provide the information requested by Klarna, or withdraws the dispute of their own accord.

Learn more

For more information on disputes and fees: Klarna Merchant Disputes

Klarna on Fabrick Payment Orchestra: activation and integration types​

Activation request​

To start accepting Klarna payments you need to accept the dedicated terms Fabrick reserves for its customers, signing the agreement that enables Fabrick to act as Payment Facilitator.

You can request the activation of Klarna through Fabrick:

  • By contacting your sales representative
  • By contacting support at the following link
Administrator e-mail address

During activation you must provide Fabrick with the e-mail address of the administrator that will be used to register on the Klarna Merchant Portal.

Once the required contractual and technical procedures are complete:

  • Klarna sends a message with the instructions to access the Klarna Merchant Portal to the e-mail address provided.
  • You can verify that the payment method is active in the Dashboard, under Workspace → Shops → [Select shop] → Settings

Klarna

Activation complete

From this moment on, your e-commerce is ready to accept Klarna payments through Fabrick Payment Orchestra.

Integration types​

Fabrick offers two integration types for Klarna:

  • Hosted integration

    Supported integrations

    ✓HPPO
    ✓Pay By Link
    ✓Web Component
    ✓Lightbox

    Klarna is displayed directly on the Fabrick payment page. Fabrick handles the display of the payment method and the entire processing phase, but unlike other payment methods the mandatory data must be sent.

  • API integration

    Supported integrations

    ✓API Only

    In this case, the redirect to Klarna is handled directly via the API. You have to initiate the transaction using payment/create, submit the required data and handle the buyer's redirect.

Mandatory fields

To request a payment with Klarna you must populate the Billing Address object, in particular the CountryCode field, and the Product Details object, with the Name, UnitPrice and Quantity fields.

Phone number

If the phone number is not sent in the request and the buyer enters incorrect data on the Klarna page, a failure page is displayed with no option to re-enter the data. This behaviour cannot be reproduced in sandbox.

Testing Klarna in the sandbox environment

Two preliminary steps are required to integrate Klarna in sandbox:

  1. Request the sandbox credentials and the enablement of the Klarna payment method (onboarding on Payment Orchestra) from Fabrick support
  2. Use the sample customer data provided by Klarna for the target market

Klarna does not accept real personal data in the test environment. Use the sample customer data for the target market: the e-mail address determines the outcome of the transaction.

The examples on this page use the data for the approved flow in the Italian market.

Hosted integration​

To display Klarna on the payment page you need to add the mandatory fields required by the payment method to the payment/create call. When the user selects Klarna, they enter the phone number or the e-mail associated with their Klarna account and complete the payment by choosing one of the available options (Pay Now, Pay Later, Financing).

To set up the call for the hosted integration, go to the creating the transaction and redirecting to Klarna section and remove the paymentType field from the payment/create call.

Payment page with Klarna

When the user selects Klarna, they are redirected to the service to log in and complete the payment.

Pagina di pagamento con Klarna

API integration​

To request a Klarna payment using the API integration, you need to initialise the transaction with payment/create using the KLARNA tag in the paymentType field, include the mandatory data and handle the buyer's redirect to the payment method.

Creating the transaction and redirecting to Klarna​

Request

POST /api/v1/payment/create
Host (sandbox): sandbox.gestpay.net
Host (production): ecomms2s.sella.it
Authorization: apikey ****************
Content-Type: application/json
{
    "shopLogin": "GESPAY12345",
    "amount": "294.90",
    "currency": "EUR",
    "shopTransactionID": "FBK_OrderID",
    "paymentType": ["KLARNA"], // Remove this line for the hosted integration
    "paymentChannel": { "channelType": ["LINK"] },
    "OrderDetails": {
        "BillingAddress": {
            "CountryCode": "IT"
        },
        "ProductDetails": [
            {
                "Name": "Explorer Backpack",
                "UnitPrice": "180.00",
                "Quantity": "1"
            },
            {
                "Name": "Runner Pro",
                "UnitPrice": "89.90",
                "Quantity": "1"
            },
            {
                "Name": "Shipping",
                "UnitPrice": "25",
                "Quantity": "1"
            }
        ]
    }
}
UnitPrice and Quantity

The item total, calculated by multiplying UnitPrice by Quantity on each line, must match the amount specified in the amount field.

Klarna button

The returned link can be used under a Pay with Klarna button, in line with the Klarna design guidelines.

Fields to send in the call to Klarna​

The parameters to include in payment/create are listed in the tables below. Mandatory fields are shown in bold.

Billing Address​

FieldMaxDescription
OrderDetails.BillingAddress.FirstName65Customer's first name
OrderDetails.BillingAddress.Lastname65Customer's last name
OrderDetails.BillingAddress.Company75Company name
OrderDetails.BillingAddress.StreetName100Address (alphanumeric characters only)
OrderDetails.BillingAddress.Email100Customer's e-mail
OrderDetails.BillingAddress.City50City
OrderDetails.BillingAddress.ZipCode50Postal code
OrderDetails.BillingAddress.State50Region or state
OrderDetails.BillingAddress.CountryCode2ISO 3166 alpha-2 country code (e.g. IT, DE, GB)
OrderDetails.BillingAddress.PrimaryPhone100Phone number with international prefix

Shipping Address​

FieldMaxDescription
OrderDetails.ShippingAddress.FirstName65Recipient's first name
OrderDetails.ShippingAddress.Lastname65Recipient's last name
OrderDetails.ShippingAddress.Company75Company name
OrderDetails.ShippingAddress.StreetName75Address (alphanumeric characters only)
OrderDetails.ShippingAddress.Email100Recipient's e-mail
OrderDetails.ShippingAddress.City50City
OrderDetails.ShippingAddress.ZipCode20Postal code
OrderDetails.ShippingAddress.State50Region or state
OrderDetails.ShippingAddress.CountryCode2ISO 3166 alpha-2 country code
OrderDetails.ShippingAddress.PrimaryPhone30Phone number with prefix
OrderDetails.ShippingAddress.ShippingMethod—Shipping method: STORE, PICKUP_POINT, CARRIER

Customer Info​

FieldMaxDescription
OrderDetails.CustomerDetail.FirstName65Customer's first name
OrderDetails.CustomerDetail.Lastname65Customer's last name

Product Details​

FieldMaxDescription
OrderDetails.ProductDetails.Description255Item description
OrderDetails.ProductDetails.SKU50Stock Keeping Unit
OrderDetails.ProductDetails.Name100Item name
OrderDetails.ProductDetails.UnitPrice12Unit price
OrderDetails.ProductDetails.Quantity3Quantity
OrderDetails.ProductDetails.ImageUrl2048Item image URL
OrderDetails.ProductDetails.ProductInfoUrl2048Product page URL
OrderDetails.ProductDetails.Type2Item type (see Product Type table)

Klarna Product Type​

ValueTypeNotes
4DiscountNegative value. Reduces the order total.
5Physical articlePhysical purchase.
6Shipping feeShipping costs.
8Digital articleDigital purchase (e.g. a licence).
9Gift CardPositive: gift card purchase. Negative: order total reduced with a gift card.
10Store creditNegative value. Reduces the order total with in-store credit.

Payment page customisation​

FieldMaxDescription
OrderDetails.PaymentPageDetails.LogoUrl2048Logo displayed on the page
OrderDetails.ProviderPageDetails.BackgroundUrl2048Background image
OrderDetails.ProviderPageDetails.BackgroundWidth21Background image width
OrderDetails.ProviderPageDetails.PageTitle255Page title
OrderDetails.ProviderPageDetails.PrivacyUrl2048Link to the privacy policy
OrderDetails.ProviderPageDetails.TermsAndCondsUrl2048Link to the terms and conditions

Shipping data (Fulfillment)​

Used in the capture call to send tracking information to Klarna:

FieldMaxDescription
FullFillment.FullFillmentlst.FullfillmentDetail.TrackingCompany512Carrier name
FullFillment.FullFillmentlst.FullfillmentDetail.TrackingNumbers1024Tracking number
FullFillment.FullFillmentlst.FullfillmentDetail.TrackingUrls2048Tracking URL
Tracking in the Klarna app

If the carrier is one of the Klarna Carrier Partners, the buyer will be able to track the shipment directly from the Klarna app.

Extra Merchant Data (EMD)​

Depending on the business sector, Klarna may require additional information (Extra Merchant Data) to carry out an accurate risk assessment and improve conversion rates. EMD are mandatory for the following sectors:

SectorRequired EMDDetails
Travelair_reservation_details, train_reservation_details, bus_reservation_details, ferry_reservation_details, car_rental_reservation_details, hotel_reservation_details, trip_reservation_detailsPassenger and itinerary information
Marketplacemarketplace_seller_info, marketplace_winner_infoSub-seller information and product category
TicketingeventsEvent information
Customer infocustomer_account_info, payment_history_full, payment_history_simpleIdentification of registered customers to improve the experience
In-store pickupother_delivery_addressPickup point address for risk analysis

How to send EMD​

EMD must be included in the OrderDetails.ProviderData field of the payment/create call, populated with the data packages required for your business sector.

{
    "OrderDetails": {
        "ProviderData": "{\"in_store_payment\":[{\"merchant_store_id\":\"LONDON12\",\"store_terminal_id\":\"AD12342D\",\"store_address\":{\"city\":\"London\",\"country\":\"GB\",\"postal_code\":\"W1B 1JA\",\"street_address\":\"New Burlington St 10\"}}]}"
    }
}
Field format

ProviderData accepts a serialised JSON string, not a nested JSON object. Inner quotation marks must therefore be preceded by the escape character \.

Identifying the right sector

To find out which EMD package applies to your business sector, contact your Fabrick sales representative. Details of the fields in each package are available on Klarna Docs - Extra Merchant Data.

Additional features of the payment method​

Partial capture and refund​

Klarna supports partial captures and partial refunds. The ProductDetails object is optional in capture and refund operations: if used, it must be populated with the individual items involved in the operation and with their mandatory fields, so that Klarna can update the order correctly on the buyer's side.

You can process a partial or full refund in two ways:

  • Directly from the Fabrick Dashboard
  • Through the POST payment/capture and POST payment/refund API calls

Request

POST /api/v1/payment/capture
Host (sandbox): sandbox.gestpay.net
Host (production): ecomms2s.sella.it
Authorization: apikey ****************
Content-Type: application/json
{
    "shopLogin": "GESPAY12345",
    "currency": "EUR",
    "bankTransactionID": "614",
    "amount": "269.90",
    "settlementID": "SID-1",
    "FullFillment": {
        "FullFillmentlst": [
            {
                "TrackingCompany": "TNT",
                "TrackingNumbers": "TNT100",
                "TrackingUrls": "https://www.tnt.com/tnt100",
                "ProductDetails": [
                    {
                        "Description": "Travel backpack",
                        "SKU": "512678_M",
                        "Name": "Explorer Backpack",
                        "UnitPrice": "180.00",
                        "Quantity": "1",
                        "ImageUrl": "https://www.example.com/images/explorer-backpack.jpg",
                        "ProductInfoUrl": "https://www.example.com/products/explorer-backpack",
                        "Type": 5
                    },
                    {
                        "Description": "Sports shoes",
                        "SKU": "789456_42",
                        "Name": "Runner Pro",
                        "UnitPrice": "89.90",
                        "Quantity": "1",
                        "ImageUrl": "https://www.example.com/images/runner-pro.jpg",
                        "ProductInfoUrl": "https://www.example.com/products/runner-pro",
                        "Type": 5
                    }
                ]
            }
        ]
    }
}

Support​

Fabrick

Klarna