Klarna is a "Buy Now, Pay Later" payment method allowing your customer to pay in installments.
Make yourself familiar with our API principles to ensure a resilient integration.
Product overview
- defer payment by 30 days
- spread the cost over three (four in some markets) equal interest-free installments
- spread the cost up to 36 months (with financing)
- pay the full amount immediately with "Pay Now" for card, local domestic or local bank transfer payments
Follow the link for the latest guidelines from Klarna.
| Payment type | Countries | Recurring | Reversals | Partial reversals | Disputes | Auth only |
|---|---|---|---|---|---|---|
| Pay Now, Pay in Parts, Pay Later, Financing | AT,BE,FI,DE,NL,NO,ES,SE,CH | ❌ | ✅ |
| Handled directly via Klarna. Worldpay will deduct the funds if the dispute is lost. | ✅ |
Refunds are completed through Klarna to your customer's account within 365 days and you can submit multiple partial refunds for one payment.
| Currency | Currency codes |
|---|---|
| Czech Koruna | CZK |
| Danish Krone | DKK |
| Euro | EUR |
| Norwegian Krone | NOK |
| Polish Złoty | PLN |
| Pound Sterling | GBP |
| Swedish Krona | SEK |
| Swiss Franc | CHF |
Use our API reference and set your headers.
POST https://try.access.worldpay.com/apmPayments
- Tryhttps://try.access.worldpay.com/apmPayments
- Livehttps://access.worldpay.com/apmPayments
- Payload
- curl
- Python
- Java
- Node.js
- Go
- PHP
- Ruby
- C#
{ "transactionReference": "Memory265-13/08/1876", "merchant": { "entity": "default" }, "instruction": { "method": "klarna", "value": { "amount": 2468, "currency": "GBP" }, "narrative": { "line1": "MindPalace" }, "paymentInstrument": { "type": "direct", "country": "GB", "language": "en", "billingAddress": { "address1": "221B Baker Street", "address2": "Marylebone", "address3": "Westminster", "postalCode": "NW1 6XE", "city": "London", "state": "Greater London", "countryCode": "GB" } }, "resultUrls": { "cancel": "https://worldpay.com/cancel", "failure": "https://worldpay.com/failure", "pending": "https://worldpay.com/pending", "success": "https://worldpay.com/success" }, "shipping": { "method": "registered box", "timeFrame": "normal", "firstName": "James", "lastName": "Moriarty", "phone": "00000000000", "email": "test@email.com", "address": { "address1": "221B Baker Street", "address2": "Marylebone", "address3": "Westminster", "postalCode": "NW1 6XE", "city": "London", "state": "Greater London", "countryCode": "GB" } }, "customer": { "firstName": "James", "lastName": "Moriarty", "email": "moriarty@example.com", "phone": "00000000000", "dateOfBirth": "1999-01-01" }, "order": { "orderTotalTaxAmount": 0, "termsUrl": "https://example.com", "items": [ { "type": "physical", "productCode": "fff1223", "name": "Red Hat", "quantity": 1, "unitOfMeasure": "per unit", "unitCost": 1234, "taxRate": 1, "totalTaxAmount": 0, "totalAmount": 1234, "totalDiscountAmount": 0, "productUrl": "https://example.com", "imageUrl": "https://example.com" }, { "type": "physical", "productCode": "fff1256", "name": "Blue Hat", "quantity": 1, "unitOfMeasure": "per unit", "unitCost": 1234, "taxRate": 1, "totalTaxAmount": 0, "totalAmount": 1234, "totalDiscountAmount": 0, "productUrl": "https://example.com", "imageUrl": "https://example.com" } ] } } }
You must settle the payment, using next action links, when using Klarna with a token.
A unique reference generated by you that is used to identify a payment throughout its lifecycle. Bizum specific regex [a-zA-Z0-9]{4,12}.
Used to route the request in Access Worldpay, created as part of on-boarding.
Object that contains the payment type and details.
Type of payment method
- ach
- alipay_cn
- alipay_hk
- alipay_uni
- bancontact
- bizum
- blik
- eft
- euteller
- ideal
- klarna
- konbini
- multibanco
- mybank
- open_banking
- oxxo
- paypal
- paysafecard
- pix
- przelewy
- sepa
- safetypay
- trustly
- wechatpay
The value of the payment.
The amount in the lowest denomination of the currency e.g. pennies for GBP, cents for USD.
The supported ISO 4217 currency codes.
The description shown on your customer's bank statement for the payment.
The type of instrument.
Account type.
Account number of direct debit account.
Routing number of direct debit account.
Check number of the direct debit account.
Company name if a corporate account.
City.
The supported ISO 3166-1 alpha-2 country codes.
Postal code.
State code of the billing address in ISO 3166-2 format.
Your customer's first name.
Your customer's last name.
Your unique reference for the customer so that the 'pay faster next time' function can be used during checkout. This allows the shoppers chosen bank to be stored for their next payment.
The customer's e-mail address.
We suggest you provide the cancelURL,failureURL, pendingURL and successURL attribute to redirect your customer to, once you have received the payment result.
{
"paymentId": "uK9Oh5zz4yKhGuFofhhnC056-K6qn-w8Krt2pRT2oSzwh_KRcHUrrs1qJtQso9gjgJ_wwjT869eMBB_T4PM4D6HdjtgfjDBh7htEkjHxp4Q_KzkRIENkZoejad--FtjVrMslJn1mvz4mwr-TuKlP9ZAhBEzSApkfhL__fXCo-vMkR1a2Zrj_R8rGSgu6m2Wd",
"lastEvent": "pending",
"_links": {
"self": {
"href": "https://try.access.worldpay.com/apmPayments/uK9Oh5zz4yKhGuFofhhnC056-K6qn-w8Krt2pRT2oSzwh_KRcHUrrs1qJtQso9gjgJ_wwjT869eMBB_T4PM4D6HdjtgfjDBh7htEkjHxp4Q_KzkRIENkZoejad--FtjVrMslJn1mvz4mwr-TuKlP9ZAhBEzSApkfhL__fXCo-vMkR1a2Zrj_R8rGSgu6m2Wd"
}
},
"_actions": {},
"redirect": "https://secure-test.worldpay.com/jsp/test/shopper/APMSTSimulator.jsp?customerRef=3417843726&paymentMethod=KLARNA_PAYNOW&country=DE",
"paymentInstrument": {
"method": "klarna",
"type": "direct"
},
"commandId": "cmdEy5vwB0krLe9eMwAcE66c0"
}The identifier of the payment resource.
Links to resources related to the request.
The URL to redirect your customer to.
An action ID generated by us identifying a single merchant interaction
Check out our API reference for more responses or error codes.
Next steps