Klarna

Specific transaction examples for Klarna are listed here

Klarna functionalities

Payment typePayment flowEMD supportPayment option id
Pay laterBuy now, Pay laterGateway redirectYes1717
Pay in partsBuy now, Pay laterGateway redirectYes1717
FinancingBuy now, Pay laterGateway redirectYes1717
Pay in Full*Online banking/direct debitGateway redirectNo4761
  • Klarna Pay in Full (non-guaranteed) can be used as an alternative for Sofort, which is phased out per september 2025.

Extra merchant data

Depending on the merchant segment and/or the services available to consumer, Klarna may require additional information regarding the customer, the merchant and/or the purchase. This information, referred to as Extra Merchant Data (EMD), consists of data that is typically not available at the checkout, but which enables Klarna to complete an assertive risk assessment, enable new promotional products and improve conversion rates for a boost in performance.

Some examples of Extra Merchant Data that Klarna supports:

  • Airline tickets (flight numbers, passenger info)
  • Event tickets (ticket details, venue, date)
  • Subscriptions (billing cycle, trial info)
  • Hotel bookings (check-in/out dates, guest info)

Include all relevant details, like product, purchase, and customer details in a valid JSON object that comply with Klarna's specification. If the extra merchant data does not meet the format in Klarna's specification, the order will be cancelled with a validation error from Klarna, so take care to send the correct details in the correct format.

More information about Extra Merchant Data can be found here: Klarna Docs Extra Merchant Data

In the Order:Create API the Extra Merchant Data can be supplied in the optimize.klarnaMerchantData object. The example below shows the EMD for event tickets:

{
    "optimize": {
        "klarnaMerchantData": {
            "event": [
                {
                    "event_name": "Lady Gaga, the Chromatica Ball",
                    "event_company": "Ticketmaster",
                    "genre_of_event": "Music concert",
                    "arena_name": "Gelredome",
                    "arena_location": {
                        "street_address": "Batavierenweg 25",
                        "postal_code": "6841 HN",
                        "city": "Arnhem",
                        "country": "NL"
                    },
                    "start_time": "2025-11-24T15:00",
                    "end_time": "2025-11-24T23:00",
                    "access_controlled_venue": true,
                    "ticket_delivery_method": "email",
                    "ticket_delivery_recipient": "[email protected]",
                    "affiliate_name": ""
                }
            ]
        }
    } 
}
   

A step by step walkthrough of the complete payload:



It is mandatory for you as a merchant to provide Klarna with the required EMD data points if you operate within the following segments or if any of these use cases apply to you

Segment and other use cases

Details

EMD required*

Marketplace

When enabling marketplace services and creating an order for a sub-seller, you are required to shared information about the sub-seller including the category of the products being sold and the id of the seller.

  • marketplace_seller_info

Travel

If you are selling services associated to travel segment, you are required to provide information about the passengers and the itinerary to be booked via the applicable EMD for the service provided.

  • air_reservation_details
  • train_reservation_details
  • bus_reservation_details
  • ferry_reservation_details
  • car_rental_reservation_details
  • hotel_reservation_details
  • trip_reservation_details

Ticketing

If you are selling ticket to an event, you have to provide information about the event.

  • event

Subscriptions and On -demand

If you are selling subscriptions or enabling recurring payments, you are required to provide subscription object and customer info information.

  • customer_tokens

Selling in physical store

For any segment, if the purchase is done in a physical store you are required to send the EMD to allow appropriated risk analysis of the transaction and properly identify the location of the purchase.

  • in_store_payment

Registered checkout and Klarna deals

In the case you enable consumers to register to your site, EMD will allow us to identify your returning consumers and enhance the services offered even if they have no previous history paying with Klarna as well as unlock targeted campaigns.

  • customer_account_infop
  • ayment_history_full
  • payment_history_simple

Pick up in store

For any segment, if the consumer is allowed to buy online and pick up the product in a physical store, then you are required to send the EMD to allow appropriated risk analysis of the transaction.

  • other_delivery_address