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# Klarna Payment Gateway

Complete guide to integrating Klarna Buy Now, Pay Later payments

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K

### Klarna - Buy Now, Pay Later Leader

Flexible payment solutions for modern consumers

#### 🌍 Global Reach

- • 20+ countries supported
- • 150M+ global customers
- • 500K+ retail partners
- • Multi-currency support

#### 💳 Payment Options

- • Pay Now (instant payment)
- • Pay Later (30 days)
- • Pay in Installments (3-24 months)
- • Financing options

#### 🔒 Security & Trust

- • Advanced fraud protection
- • Real-time risk assessment
- • PCI DSS compliant
- • Buyer protection program

#### ⚡ Integration Features

- • Hosted checkout pages
- • Real-time webhooks
- • Mobile-optimized experience
- • Comprehensive APIs

Pricing

Pricing varies by market and payment method. Contact Klarna for detailed pricing information.

## 🔑 How to Create Klarna Merchant Account

1

#### Apply for Merchant Account

Visit Klarna Business Portal and apply for a merchant account.

2

#### Complete Verification

Provide business documentation and complete the verification process.

3

#### Access Developer Portal

Once approved, access the Klarna Developer Portal for API credentials.

4

#### Get API Credentials

Generate your API username and password from the merchant portal.

## ⚙️ Environment Configuration

Add these environment variables to your .env file:

`APP_KLARNA_USERNAME="your_api_username" APP_KLARNA_PASSWORD="your_api_password"`

Note: Use playground credentials for testing, production credentials for live transactions.

## 🔌 API Endpoints

POST `/api/finance/deposit/fiat/klarna/`

Creates a new Klarna payment session

Request Body:

`{ "amount": 100.00, "currency": "USD", "country": "US", "locale": "en-US" }`
POST `/api/finance/deposit/fiat/klarna/verify`

Verifies and creates Klarna order after authorization

POST `/api/finance/deposit/fiat/klarna/webhook`

Handles Klarna webhook notifications for order updates

GET `/api/finance/deposit/fiat/klarna/status`

Checks the status of a Klarna order

## ✨ Supported Features

### Payment Methods

- Pay Now (immediate)
- Pay Later (30 days)
- Pay in Installments
- Financing Options

### Supported Countries

- United States
- United Kingdom
- Germany & EU
- Nordic Countries
- Australia & New Zealand
- Canada

## 🧪 Testing Information

### Playground Environment

Klarna provides a playground environment for testing. Use the playground API credentials for development and testing.

Testing Note

Test payments in the playground environment will not result in real charges. Use test credentials for development.