---
title: "Klarna"
description: "Learn how to accept Klarna payments."
url: "https://docs.adyen.com/payment-methods/klarna"
source_url: "https://docs.adyen.com/payment-methods/klarna.md"
canonical: "https://docs.adyen.com/payment-methods/klarna"
last_modified: "2023-01-23T13:49:00+01:00"
language: "en"
---

# Klarna

Learn how to accept Klarna payments.

[View source](/payment-methods/klarna.md)

![](/user/pages/docs/08.payment-methods/42.klarna/klarna_logo.svg?decoding=auto\&fetchpriority=auto)  **Read more**

Learn more about pricing and supported countries/regions for Klarna on [adyen.com](https://www.adyen.com/payment-methods).

Klarna is a popular Buy Now Pay Later payment method available in [22 countries/regions](#supported-countries). With Klarna, the shopper can choose to:

* **Pay later**: Pay after the goods have been delivered.
* **Pay over time**: Pay in installments over time.
* **Pay now**: Pay the whole amount instantly, either by online banking or direct debit.

Before approving the payment, Klarna performs risk checks on the shopper. If successful, Klarna takes on the full fraud risk for the payment, and pays you up front.

|                   | Payment type                  | Payment flow | [Recurring](/online-payments/tokenization)                                          | [Refunds](/payment-methods/klarna/refunds-and-cancellations)                                | [Partial refunds](/payment-methods/klarna/refunds-and-cancellations)                        | [Separate captures](/online-payments/capture)                                               | [Partial captures](/online-payments/capture#partial-capture)                                                       | [Chargebacks](/risk-management/chargeback-guidelines/klarna-chargebacks)                                      |
| ----------------- | ----------------------------- | ------------ | ----------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------- |
| **Pay later**     | Buy Now Pay Later             | Redirect     | Enabled by default in SE, UK, US. For DE See note[ 1](#recurring)                   | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") See note[ 2](#contact) | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") See note[ 3](#cb) |
| **Pay over time** | Buy Now Pay Later             | Redirect     | For CA, CZ, DK, ES, FI, FR, GR, IE, IT, NL, PT, RO, UK, US See note[ 1](#recurring) | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") See note[ 2](#contact) | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") See note[ 3](#cb) |
| **Pay now**       | Online banking / Direct debit | Redirect     | Enabled by default in DE, SE. For AT, NL See note[ 1](#recurring)                   | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") See note[ 2](#contact) | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") See note[ 3](#cb) |
| **Billie (B2B)**  | Buy Now Pay Later             | Redirect     | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-")                        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-")                   |

[]()1If you want to offer recurring payments, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other).\
[]()2To enable multiple partial captures, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other).\
[]()3Chargebacks can only occur if you do not follow Klarna scheme rules. For more information, see [Klarna chargebacks](/risk-management/chargeback-guidelines/klarna-chargebacks).

## Authorization adjustment

Klarna supports authorization adjustment, allowing you to adjust the amount between the authorization and the capture. For more information, see:

* [Pre-authorization and authorization adjustment](/online-payments/adjust-authorisation).
* [Adjust a Klarna authorization](/online-payments/adjust-authorisation/adjust-with-preauth#adjust-klarna-auth?target=_blank).

## Supported countries/regions

| Country/region  | `countryCode` | `amount.currency` | Pay now                                                                                     | Pay later                                                                                   | Pay over time                                                                               |
| --------------- | ------------- | ----------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Australia       | AU            | AUD               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Austria         | AT            | EUR               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Belgium         | BE            | EUR               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Canada          | CA            | CAD               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Czech Republic  | CZ            | CZK               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Denmark         | DK            | DKK               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Finland         | FI            | EUR               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| France          | FR            | EUR               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Germany         | DE            | EUR               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Greece          | GR            | EUR               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Ireland         | IE            | EUR               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Italy           | IT            | EUR               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Norway          | NO            | NOK               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Poland          | PL            | PLN               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Portugal        | PT            | EUR               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Romania         | RO            | RON               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Spain           | ES            | EUR               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Sweden          | SE            | SEK               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Switzerland     | CH            | CHF               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| The Netherlands | NL            | EUR               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| United Kingdom  | GB            | GBP               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| United States   | US            | USD               | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

## Klarna Merchant Portal

When you [add Klarna as a payment method](/payment-methods/add-payment-methods) to your live account in the Customer Area, you receive an automated activation link to the dispute email address that you have provided. This email is the main login credential for the Klarna Merchant Portal. Note that you cannot change the dispute email address later.

As an Adyen Merchant, you have access to the following features of the Klarna Merchant Portal:

* **Users App**: manage users in the organization and invite new ones.
* **Orders App**: view information about orders and edit the shipping and billing details.
* **Branding App**: manage how brand assets are shown on the Klarna's customer touchpoints.
* **On-Site Messaging App**: manage how Klarna payment options are communicated to your customers. For more information, see the [Klarna documentation](https://docs.klarna.com/on-site-messaging/).

For more information on how to use the Klarna Merchant Portal, see our [FAQ pages](https://help.adyen.com/knowledge/payment-methods/klarna/how-should-i-use-the-klarna-merchant-portal).

## Chargebacks

You will not be able to manage disputes using the Klarna Merchant Portal. For more information about the disputes process and guidelines, see [Klarna chargebacks](/risk-management/chargeback-guidelines/klarna-chargebacks).

## How do you want to integrate?

[![This is the web icon.](/user/pages/reuse/image-library/01.icons/web/web.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/klarna/web)

###### [Web](/payment-methods/klarna/web)

[Use our pre-built UI solutions to add Klarna to your website.](/payment-methods/klarna/web)

[![This is the iOS icon.](/user/pages/reuse/image-library/01.icons/ios/ios.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/klarna/ios)

###### [iOS](/payment-methods/klarna/ios)

[Use our pre-built UI solutions to add Klarna to your iOS app.](/payment-methods/klarna/ios)

[![This is the Android icon.](/user/pages/reuse/image-library/01.icons/android/android.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/klarna/android)

###### [Android](/payment-methods/klarna/android)

[Use our pre-built UI solutions to add Klarna to your Android app.](/payment-methods/klarna/android)

[![This is the API only icon.](/user/pages/reuse/image-library/01.icons/api-only/checkout-api-only.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/klarna/api-only)

###### [API only](/payment-methods/klarna/api-only)

[Build your own UI for Klarna in your website, iOS, or Android app.](/payment-methods/klarna/api-only)

[![This is the Pay by Link icon.](/user/pages/reuse/image-library/01.icons/pay-by-link/pay-by-link.svg?decoding=auto\&fetchpriority=auto)](/unified-commerce/pay-by-link/create-payment-links/api)

###### [Pay by Link](/unified-commerce/pay-by-link/create-payment-links/api)

[Add Klarna to your payment methods, and use the Pay by Link API to create payment links.](/unified-commerce/pay-by-link/create-payment-links/api)
