Accept a Klarna payment

Learn how to accept Klarna, a global buy now, pay later payment method.

With Klarna, customers are redirected to their Klarna account during checkout. If you don’t already have an integration with Stripe, we recommend using Stripe Checkout to create a Stripe-hosted checkout page and configure payment methods in the Dashboard.

You can also use Elements with the Checkout Sessions API to build a customized checkout page on your website or build a mobile integration to authenticate the payment in a webview.

Note

Before you start the integration, make sure your account is eligible for Klarna by going to your Payment methods settings.

Checkout

Elements

Direct API

Mobile

Enable Klarna

Enable Klarna in your Dashboard. Stripe automatically displays Klarna to eligible customers using dynamic payment methods. If you have line_items in different currencies, you need to create separate Checkout Sessions.

Command Line

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cURL

Stripe CLI

Ruby

Python

PHP

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Test your integration

When testing your Checkout integration, select Klarna as the payment method and click the Pay button. In testing environments, you can then simulate different outcomes within Klarna’s redirect.

Note

Klarna uses cookies for session tracking. To test different customer locations, log out of the Klarna sandbox from the previous session and use the relevant triggers.

Below, we have specially selected test data for the currently supported customer countries. In a sandbox, Klarna approves or denies a transaction based on the supplied email address.

	Approved	Denied
Date of Birth	10-07-1970	03-05-1994
First Name	Test	John
Last Name	Person-au	snow
Street	Wharf St	Silverwater Rd
House number	4	1-5
Postal Code	4877	2128
City	Port Douglas	Silverwater
Region	QLD	NSW
Phone	+61473752244	+61473763254
Email

For production testing, you can use an amount of 3500 in your local currency to test all Klarna payment options besides Financing. For example, if you want to test “Pay in 3” in Italy, you can use a transaction of 35.00 EUR.

Two-step authentication

Any six digit number is a valid two-step authentication code. Use 999999 for authentication to fail.

Repayment method

Inside the Klarna flow, you can use the following test values to try various repayment types:

Type	Value
Direct Debit	the related setting
Bank transfer	Demo Bank
Credit Card	Number: 4111 1111 1111 1111 CVV: 123 Expiration: any valid date in the future
Debit Card	Number: 4012 8888 8888 1881 CVV: 123 Expiration: any valid date in the future