Klarna

Klarna is a popular Buy Now Pay Later payment method available in 22 countries/regions. 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	Refunds	Partial refunds	Separate captures	Partial captures	Chargebacks
Pay later	Buy Now Pay Later	Redirect	Enabled by default in DE, SE, US. For NL, AT, NO, FI See note 1				See note 2	See note 3
Pay over time	Buy Now Pay Later	Redirect	For CA, CZ, DK, ES, FI, FR, GR, IE, IT, NL, PT, RO, US See note 1				See note 2	See note 3
Pay now	Online banking / Direct debit	Redirect	Enabled by default in AT, BE, CH, DE, FI, NL, SE, UK.				See note 2	See note 3
Billie (B2B)	Buy Now Pay Later	Redirect

¹If you want to offer recurring payments, contact our Support Team. Use Pay over time only for long-term subscriptions. It is not available for monthly subscriptions or one-off (on-demand) tokenized purchases.
²To enable multiple partial captures, contact our Support Team.
³Chargebacks can only occur if you do not follow Klarna scheme rules. For more information, see 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.
• Adjust a Klarna authorization.

Supported countries/regions

Country/region	countryCode	amount.currency	Pay now	Pay later	Pay over time
Australia	AU	AUD
Austria	AT	EUR
Belgium	BE	EUR
Canada	CA	CAD
Czech Republic	CZ	CZK
Denmark	DK	DKK
Finland	FI	EUR
France	FR	EUR
Germany	DE	EUR
Greece	GR	EUR
Ireland	IE	EUR
Italy	IT	EUR
Norway	NO	NOK
Poland	PL	PLN
Portugal	PT	EUR
Romania	RO	RON
Spain	ES	EUR
Sweden	SE	SEK
Switzerland	CH	CHF
The Netherlands	NL	EUR
United Kingdom	GB	GBP
United States	US	USD

Klarna Merchant Portal

When you add Klarna as a payment method 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.

For more information on how to use the Klarna Merchant Portal, see our FAQ pages.

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.

How do you want to integrate?