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Klarna Gateway

Klarna is an external gateway for Buy Now, Pay Later (BNPL) payments. Customers can split a purchase into installments without applying for new credit through PaymentsAI.

Important (invoice-based only):

Klarna is not available as a direct checkout element. It is available only through manual orders and invoice-based payments. The customer receives an invoice link and selects Klarna as the payment method. To collect a Klarna payment from a customer, create a Manual Order and send them an invoice (see Supported Payment Methods).

Fees on this gateway:

PaymentsAI charges a 1% platform fee per transaction for Klarna, on top of Klarna's own financing fees. See Pricing and Fees.

Setup​

  1. In the PaymentsAI dashboard, click Gateways in the top navigation.
  2. Under Other Gateways, click Connect Klarna.
  3. The Connect Klarna form opens. Provide the following fields:
    • Region: Choose your region from the dropdown. Klarna is only available for North America, Europe, and Australia/Oceania.
    • API Username (UID): Your Klarna API username.
    • API Password: Your Klarna API password.
  4. Save the connection. On success, the Klarna row shows Successfully Connected in the Gateways tab.

Generating your API credentials in Klarna​

  1. Log in to your Klarna account and open Settings.
  2. Click Generate new Klarna API credentials.
  3. Click Create credentials.
  4. Copy and paste your Klarna credentials into PaymentsAI.
  5. Make sure you have saved your credentials, as they disappear after closing the window. Tick the confirmation checkbox and close the window.

Save the credentials before closing the window:

Klarna does not show the credentials again after the window is closed. If you lose them, you must generate a new set in Klarna.

Payment flow​

Klarna only runs through the invoice flow:

  1. Create a Manual Order for the customer.
  2. Send the customer the invoice link.
  3. On the invoice page, the customer selects Klarna as the payment method.
  4. The customer completes the Klarna flow on Klarna's side.
  5. PaymentsAI receives the result and marks the order accordingly.

Supported regions​

Klarna is supported in three regions in PaymentsAI:

  • North America
  • Europe
  • Australia / Oceania

Choose the matching region in the Region dropdown when connecting Klarna.