Klarna
Klarna is a leading provider in Europe, offering flexible payment solutions including instant payments, pay later options, and installment plans. With support across 13 European markets, Klarna enables merchants to offer customers their preferred way to pay while improving conversion rates.
At a Glance
Instant payment using bank account or card. Available in 8 markets.
Pay within 30 days after delivery. Available in 10 markets.
Split into 3 payments (0, 30, 60 days). Available in 5 markets.
6–36 month installments. Available in 5 markets.
Market Availability
Klarna supports different payment types across European markets. The availability varies by country and currency.
| Country | Currency | Pay Now | Pay Later | Pay in 3 | Financing |
|---|---|---|---|---|---|
| Sweden (SE) | SEK | ✅ | ✅ | — | ✅ |
| Norway (NO) | NOK | — | ✅ | — | ✅ |
| Denmark (DK) | DKK | — | ✅ | ✅ | — |
| Finland (FI) | EUR | — | ✅ | — | ✅ |
| Germany (DE) | EUR | ✅ | ✅ | — | ✅ |
| Austria (AT) | EUR | ✅ | ✅ | — | ✅ |
| Netherlands (NL) | EUR | ✅ | ✅ | — | — |
| United Kingdom (UK) | GBP | — | ✅ | ✅ | — |
| Belgium (BE) | EUR | ✅ | ✅ | — | — |
| Switzerland (CH) | CHF | ✅ | ✅ | — | — |
| Italy (IT) | EUR | ✅ | — | ✅ | — |
| Spain (ES) | EUR | ✅ | — | ✅ | — |
| France (FR) | EUR | — | — | ✅ | — |
Transaction Limits
Minimum Amount
| Country | 6 months | 12 months | 24 months | 36 months |
|---|---|---|---|---|
| Austria (AT), Germany (DE) | 25 EUR | 120 EUR | 1,000 EUR | 1,500 EUR |
| Finland (FI) | 25 EUR | 500 EUR | 1,000 EUR | 1,500 EUR |
| Norway (NO) | 250 NOK | 5,000 NOK | 10,000 NOK | 15,000 NOK |
| Sweden (SE) | 250 SEK | 5,000 SEK | 10,000 SEK | 15,000 SEK |
- EUR: 35 EUR
- GBP: 25 GBP
- DKK: 350 DKK
- Austria (AT), Germany (DE): 0.1 EUR
- All other countries: 1 EUR or equivalent
- EUR: 0 EUR
- SEK: 0 SEK
- CHF: 0 CHF
Maximum Amount
- EUR: 1,000 EUR
- GBP: 1,000 GBP
- DKK: 50,000 DKK
| Market | Limit |
|---|---|
| Belgium (BE) - New users | 1,500 EUR |
| Belgium (BE) - Returning users | 2,500 EUR |
| Austria (AT), Finland (FI), Germany (DE), Netherlands (NL) | 5,000 EUR |
| Denmark (DK) | 50,000 DKK |
| Norway (NO) | 75,000 NOK |
| Sweden (SE) | 100,000 SEK |
| Switzerland (CH) | 1,000 CHF |
| United Kingdom (UK) | 600 GBP |
- EUR: 15,000 EUR
- SEK: 150,000 SEK
- CHF: 15,000 CHF
Financing maximum amounts are determined by Klarna based on customer credit assessment and may vary by market. Contact Onerway support for specific limits.
Integration Details
| Field | Type | Description | Required |
|---|---|---|---|
orderAmount | string | Payment amount to be charged | ✅ |
orderCurrency | string | Transaction currency (ISO 4217) | ✅ |
country | string | Transaction country (ISO 3166) | ✅ |
lpmsInfo | string | {"lpmsType":"Klarna"} | ✅ |
firstName | string | Consumer's given name | ✅ |
lastName | string | Consumer's family name | ✅ |
email | string | Consumer's email address | ✅ |
phone | string | Consumer's phone number | ✅ |
city | string | Consumer's city | ✅ |
address | string | Consumer's address | ✅ |
postalCode | string | Consumer's postal code | ✅ |
{
"lpmsType": "Klarna"
}
lpmsType value is case-sensitive. Ensure you use Klarna exactly as shown.| Type | API | User Flow |
|---|---|---|
| DIRECT | Payment API | Merchant → Klarna Payment Page |
| REDIRECT | Checkout API | Merchant → Onerway Checkout → Klarna |
- DIRECT for custom checkout UI with full control over the payment experience.
- REDIRECT for quick integration with Onerway's hosted payment selection page.
Payment Flow
The payment flow differs depending on your integration type. Select the tab below to view the corresponding flow:
With DIRECT integration, customers select Klarna on your checkout page, and you call the Payment API directly.
User Experience
Klarna provides a seamless checkout experience with multiple payment options displayed to the customer:
