Klarna via Adyen

Accept Klarna payments with Adyen as the payment service provider (PSP). The customer selects a Klarna option, confirms the purchase on a Klarna page and returns to your site.

Supported workflows

Klarna payment method codes

Adyen offers three Klarna products, and Payrails treats each one as its own payment method. Send the code for the product the customer selects. Payrails doesn’t route the generic klarna code to Adyen.

Product	`paymentMethodCode`	What the customer gets
Klarna Pay Later	`klarnaPayLater`	Pay within 30 days.
Klarna Pay Now	`klarnaPayNow`	Pay in full straight away.
Klarna Pay Over Time	`klarnaPayOverTime`	Pay in installments.

Adyen filters the Klarna products by amount and country, so lookup can return only some of them for a given basket. Klarna Pay Over Time has a minimum amount that depends on the market.

Before you begin

Complete these steps before you send your first Klarna payment through Adyen:

Set up an Adyen integration in your workspace. Follow the Adyen integration setup guide if you don’t have one yet.
Ask Adyen to enable the Klarna products you need on your Adyen merchant account, for the countries you sell in.
In the Payrails Portal, go to Settings → Integrations, open your Adyen integration, select Klarna Pay Later, Klarna Pay Now or Klarna Pay Over Time under Payment methods, and save.
Add each Klarna product as a payment option in your workflow.

Request fields for Adyen

Send these fields in the authorize request, in addition to the standard authorize fields. Payrails checks Required fields and returns an error when one is missing. Fields required by the PSP pass the Payrails checks but the PSP can decline the payment without them.

Field	Status	Description
`meta.order.lines`	Required	The basket. Sent to Adyen as line items.
`meta.order.lines[].unitPrice`	Required	Every line needs a valid unit price.
`meta.order.lines[].name`, `description`, `quantity`, `taxPercentage`	Recommended	Sent to Adyen with each line item. Payrails uses `name` when `description` is empty.
`meta.order.billingAddress`	Required	Must include `street`, `doorNumber`, `city`, `postalCode` and `country.code`. Payrails falls back to the instrument’s billing address when the order has none.
`meta.customer.country.code`	Required	Sent to Adyen as the country code. Klarna uses it to select the products it offers.
`meta.customer.email`	Required	Sent to Adyen as the shopper email.
`meta.customer.language`	Recommended	Sent to Adyen as the shopper locale. Falls back to `meta.clientContext.language`.
`meta.customer.name`, `meta.customer.lastName`	Recommended	Sent to Adyen as the shopper name.
`meta.order.deliveryAddress`	Optional	Sent to Adyen as the delivery address.
`holderReference`	Required to save the instrument	Set on the execution. Sent to Adyen as the shopper reference for the stored Klarna agreement.
`paymentComposition[].paymentInstrumentData.futureUsage`	Required to save the instrument	`Subscription` or `UnscheduledCardOnFile`. Adyen rejects `CardOnFile` for Klarna.

Authorize a Klarna payment

Call authorize a payment with klarnaPayLater, klarnaPayNow or klarnaPayOverTime as the paymentMethodCode. The response includes the redirect to Klarna.

Authorize request

{
  "amount": {
    "value": "109.90",
    "currency": "EUR"
  },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "klarnaPayLater",
      "amount": {
        "value": "109.90",
        "currency": "EUR"
      },
      "storeInstrument": true,
      "paymentInstrumentData": {
        "futureUsage": "UnscheduledCardOnFile"
      }
    }
  ],
  "meta": {
    "customer": {
      "email": "anna.becker@example.com",
      "name": "Anna",
      "lastName": "Becker",
      "language": "de-DE",
      "country": {
        "code": "DE"
      }
    },
    "order": {
      "billingAddress": {
        "street": "Beispielstraße",
        "doorNumber": "1",
        "postalCode": "10115",
        "city": "Berlin",
        "country": {
          "code": "DE"
        }
      },
      "lines": [
        {
          "id": "sku-1001",
          "name": "Running shoes",
          "quantity": 1,
          "unitPrice": {
            "value": "109.90",
            "currency": "EUR"
          }
        }
      ]
    }
  },
  "returnInfo": {
    "success": "https://example.com/success",
    "error": "https://example.com/error"
  }
}

This example saves the instrument. Leave out storeInstrument and paymentInstrumentData for a one-off payment. After the customer confirms the purchase, Klarna returns them to your success or error URL. Confirm the result through webhook notifications or the execution status before you fulfill the order.

How Adyen handles Klarna

With delayed capture, Payrails sends the payment to Adyen as a pre-authorization. When Adyen captures it depends on the Klarna capture setting of your Adyen merchant account. With instant capture, Payrails asks Adyen to capture straight away.
Payrails doesn’t restrict the currency. Use a currency Klarna supports for the customer’s country, or Adyen declines the payment.
To save the instrument, set storeInstrument to true on the payment composition. Adyen returns a recurring reference, and Payrails stores it as a PSP token.
For an MIT, send the stored PSP token, keep the same Klarna code as the paymentMethodCode, and use Subscription or Unscheduled as the processing type. Payrails rejects CardOnFile and any MIT without a stored token. The basket fields in the preceding table are still required, and the payment completes without a redirect.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Supported workflows

Klarna payment method codes

Before you begin

Request fields for Adyen

Authorize a Klarna payment

How Adyen handles Klarna

​Supported workflows

​Klarna payment method codes

​Before you begin

​Request fields for Adyen

​Authorize a Klarna payment

​How Adyen handles Klarna

Supported workflows

Klarna payment method codes

Before you begin

Request fields for Adyen

Authorize a Klarna payment

How Adyen handles Klarna