Klarna

Introduction

Klarna uses a redirect-based payment flow. When a customer selects Klarna at checkout, they are redirected to the Klarna interface to authenticate and confirm the payment, then redirected back to your website or app upon completion. Klarna is a single-use, customer-initiated payment method.

This guide explains the process of integrating Klarna into your app or website using Payrails via Stripe.

Pre-requisites

Before you start accepting Klarna payments with Payrails, there are a few requirements you must meet:

1. Integrate with Payrails using one of our SDKs or our API
2. Configure a new integration account for Klarna via Stripe as a Payment Service Provider.
3. Enable Klarna as a payment method in your Stripe integration configuration. In the Payrails portal, navigate to Settings → Integrations, select your Stripe integration instance, and enable the Klarna checkbox under Payment methods, then save the account. Ensure your account is eligible for Klarna in the Stripe Dashboard under Payment methods settings.
4. Enable Klarna as a payment option in your workflow.
5. Make sure you're sending the Klarna-specific required meta fields in your requests (see Required meta fields below).

Ways to integrate Klarna

Payrails SDK

The simplest way to use Klarna with Payrails is to use our drop-in in your checkout flow. With this integration type, no additional work is required to accept payments with Klarna except for handling success/failure screens for your users.

For a more flexible implementation using our SDK, you can use our genericRedirectButton element. See special instructions here for your client-side implementation.

Server-to-server integration

You can integrate Klarna by completely managing your own client-side implementation, and using Payrails APIs with a server-to-server integration to process Klarna payments.

Parse Klarna from lookup response

With a server-to-server integration, you can call our lookup payment options endpoint to get available payment options. As shown in the example below, you can see klarna returned as an option of the paymentCompositionOptions.

{
  "name": "lookup",
  "actionId": "0bb6413e-cabb-4074-99e6-9e815c69f25b",
  "executedAt": "2026-03-26T12:00:00.000000000Z",
  "data": {
    "paymentCompositionOptions": [
      {
        "integrationType": "redirect",
        "paymentMethodCode": "klarna",
        "description": "Klarna"
      }
    ]
  },
  "links": {
    "execution": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424",
    "authorize": {
      "method": "POST",
      "href": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424/authorize"
    }
  }
}

Required meta fields

Klarna requires the following fields to be present in every authorize request:

Pass Klarna payment method in request to authorize payment with Payrails

You can then make a request to our authorize a payment endpoint with klarna as the paymentMethodCode. See an example below:

{
  "executionId": "c0fd1c51-e709-47e5-bfd1-5d1c98f7d990",
  "amount": {
    "value": "10990",
    "currency": "EUR"
  },
  "paymentComposition": [
    {
      "integrationType": "redirect",
      "paymentMethodCode": "klarna",
      "amount": {
        "value": "10990",
        "currency": "EUR"
      }
    }
  ],
  "meta": {
    "order": {
      "billingAddress": {
        "name": "Anna",
        "lastName": "Müller",
        "country": {
          "code": "DE"
        }
      }
    }
  },
  "returnInfo": {
    "success": "https://mysuccessurl.com",
    "error": "https://myerrorurl.com"
  }
}

Note on amounts: EUR uses 2 decimal places. Amounts should be provided in the smallest currency unit — e.g., 10990 for €109.90.

Note: Klarna is a redirect-based, single-use payment method. After calling the authorize endpoint, the customer will be redirected to Klarna's interface to authenticate and confirm the payment. Once confirmed, the customer will be redirected back to the returnInfo.success URL. Make sure to provide valid returnInfo URLs in your authorization request.

Handle the redirect response

After the customer completes the payment with Klarna, they will be redirected back to your success or error URL. You should then verify the payment status by checking the workflow execution status via the Payrails API or by listening to webhook notifications.

Supported currencies

Klarna via Stripe supports multiple currencies. The available currencies depend on the customer's country. Common supported currencies include:

• EUR — Euro
• GBP — British Pound
• USD — US Dollar
• SEK — Swedish Krona
• NOK — Norwegian Krone
• DKK — Danish Krone
• AUD — Australian Dollar
• CAD — Canadian Dollar
• NZD — New Zealand Dollar
• CHF — Swiss Franc
• PLN — Polish Złoty
• CZK — Czech Koruna

Supported regions / countries

Customer regions

Klarna is available to customers based in a wide range of countries including:

• Austria 🇦🇹, Belgium 🇧🇪, Czech Republic 🇨🇿, Denmark 🇩🇰, Finland 🇫🇮, France 🇫🇷, Germany 🇩🇪, Greece 🇬🇷, Ireland 🇮🇪, Italy 🇮🇹, Netherlands 🇳🇱, Norway 🇳🇴, Poland 🇵🇱, Portugal 🇵🇹, Spain 🇪🇸, Sweden 🇸🇪, Switzerland 🇨🇭, UK 🇬🇧, US 🇺🇸, Australia 🇦🇺, Canada 🇨🇦, New Zealand 🇳🇿, and more.

Merchant regions

Stripe accounts in Europe, US, CA, AU, and NZ can accept Klarna payments.

Supported workflows and services