Accept Klarna payments

Klarna is a global technology company that provides a unified platform for payments, checkout, and post-purchase experiences. Through PayPal's integration, merchants can offer Klarna's payment options (Pay in full, Pay in 30 days, Pay in 3 or 4 installments, and financing) with guaranteed upfront settlement and a streamlined checkout. Merchants get paid upfront, and shoppers choose how they want to pay.

• Guaranteed settlement: Receive upfront payment with no risk while buyers enjoy flexible payment timelines, protecting your business from payment defaults.
• Flexible payment options: Boost conversion rates by offering Klarna's full range of payment options: Pay in full, Pay in 30 days, Pay in 3, Pay in 4, and Financing. Availability varies by market.
• Global scale: Klarna's network reaches 118 million shoppers across 26 markets. Offering Klarna gives merchants a familiar payment option that shoppers already know and use.
• Streamlined checkout: Reduce cart abandonment with pre-filled buyer details and preferred payment options that minimize friction.
• Simplify integration: Start accepting payments quickly with minimal development effort through PayPal's unified payment platform and streamlined onboarding process.

1. Buyer: Selects Klarna at the merchant's checkout page.
2. Merchant | Partner: Creates an order using PayPal's Orders v2 API with Klarna as the payment source.
3. PayPal: Sends order ID and payer-action link.
4. Merchant | Partner: Redirects the buyer to the payer-action link.
5. Buyer:
   1. Authenticates with Klarna
   2. Approves transaction
6. PayPal: Redirects buyer to merchant's return_url after approval.
7. Merchant | Partner: Completes the payment:
   1. Automatic flow: Captures the authorized payment
   2. Manual flow: Authorizes first, then captures
8. PayPal: Settles funds to merchant's PayPal account.
9. Merchant | Partner: Fulfills order and notifies buyer.

• Account type: Verified PayPal Business account required.
• Geographic availability: Available to merchants in Europe & North America. For more information, see Supported countries.
• Legal compliance: Must meet regional legal and privacy requirements. See Legal and privacy requirements.

Klarna offers four flexible payment methods:

• Pay in 30 Days— Customers pay up to 30 days after purchase.
• Pay in N (3 or 4)— Customers split the cost into 3 or 4 interest-free payments.
• Financing- Customers spread the cost over monthly installments.
• Pay in Full- Customers pay the total upfront by card.