Accept Klarna
without building the integration
Klarna is a buy-now-pay-later provider: the shopper splits the purchase into instalments or defers it, and the merchant is paid in full up front with Klarna carrying the credit risk. It raises average order value on considered purchases, which is why it sits alongside cards rather than replacing them.
- SEK
- NOK
- DKK
- EUR
- GBP
- USD
- Region
- Europe / US
- Methods
- 3
- Credentials
- Server-side only
- PaymentHood fee
- None
- Status
- Live
What is Klarna?
- Coverage
-
- Sweden
- Norway
- Denmark
- Finland
- Germany
- United Kingdom
- United States
Among the markets Klarna serves — their own list is authoritative (opens in new tab).
- Currencies
-
- SEK
- NOK
- DKK
- EUR
- GBP
- USD
Among those supported. Which ones your account can charge in depends on its registered country.
- Fees
- Set and billed by Klarna, and published on their pricing page (opens in new tab). PaymentHood adds nothing on top, at any volume.
- Official resources
- Website (opens in new tab) · Developer docs (opens in new tab)
Written against Klarna's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, Klarna's own documentation (opens in new tab) is the authority.
Klarna payment methods
Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.
Pay in instalments
The order is split into scheduled payments
Pay later
The shopper is invoiced after delivery
Pay now
Immediate payment through Klarna's checkout
Klarna fees and pricing
Two separate bills, and only one of them exists.
- What PaymentHood charges
- Nothing on your Klarna transactions. No percentage and no per-transaction cut, at any volume. Every payment feature is free, and the optional Premium plan only adds white-label checkout branding.
- What Klarna charges
- Klarna sets its own rates and bills you directly. PaymentHood never sits between you and that invoice, so switching to or from Klarna changes what you pay Klarna and nothing else.
- What moves the rate
- Payment providers price per market and per method rather than as a single global figure. Klarna operates across 7 countries, so the country the payment is taken in matters. It settles in SEK, NOK, DKK, EUR, GBP, USD, and cross-currency transactions are not priced the same as domestic ones. It also accepts 3 different payment methods, and card, transfer and wallet rails each carry their own cost.
- Where to check the figure
- Klarna publishes current rates on their pricing page (opens in new tab). That is the authority, not this page. We deliberately quote no numbers here, because a rate that has quietly changed is worse than no rate at all.
How PaymentHood works with Klarna
A direct Klarna integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.
- Credentials
- API username and password issued per market, held server-side in PaymentHood
- Webhook security
- Signed push notification, validated before an order is released
- Payment verification
- Server-side order status re-check against the Klarna API before fulfilment
- Idempotent charge creation, so a retried request never double-charges a customer
- Automatic failover to another configured provider when Klarna is unreachable
- One reconciliation view across Klarna and every other provider you run
- Provider credentials never reach the storefront or the customer's browser
- Adding or switching a provider later is a dashboard change, not a re-integration
Klarna integrations by platform
Install the free PaymentHood plugin for your store, then enable Klarna in your dashboard.
How to connect Klarna
Open your Klarna account
Register directly with Klarna and complete their onboarding. Funds settle from Klarna into your own bank account — PaymentHood never holds merchant money.
Add the credentials to PaymentHood
Paste your Klarna API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.
Enable it at checkout
Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and Klarna appears as a payment option. Test in sandbox, then switch to live.