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Klarna Payments API V1

Klarna Payments API V1

Upfinancialby Klarna

Klarna Payments API is Europe's leading Buy Now Pay Later (BNPL) service — installments, pay-in-30-days, flexible payment options that improve consumer conversion.

Visit site ↗Health checked 9h ago
Use it when

#1 BNPL brand in Europe

Watch for

Merchant fee 2-5% (higher than credit card)

First check

Apply for merchant account at klarna.com/business. POST /payments/v1/sessions to create BNPL session; embed Klarna widget on frontend.

Auth
—
CORS
No
HTTPS
Yes
Signup
?
Latency
1005 ms
Protocol
REST
Pricing
—

Uptime · 30-day window

Probes: 1Uptime: 100%Avg latency: 1005ms
01

About this API

Klarna is a Swedish fintech founded 2005, a BNPL (Buy Now Pay Later) pioneer. Business model: consumer selects Klarna at checkout → Klarna pays merchant 100% immediately (minus fees) → consumer pays Klarna in installments or in 30 days. Win-win-win: consumers get flexibility (no upfront full payment), merchants get conversion lift + no default risk, Klarna earns fees + interest (on overdue users). Dominant BNPL in Europe especially the Nordics (Klarna app has 50M users); came later to the US competing with Affirm, Afterpay. Klarna Payments API lets Shopify, WooCommerce, and other e-commerce platforms integrate BNPL options. Regulatory focus on BNPL is increasing — EU 2023 new rules require BNPL to assess user creditworthiness like traditional credit products.

02

What you can build

  • 1Provide BNPL option at e-commerce checkout
  • 2Promote high-ticket items (furniture, electronics)
  • 3Subscription service first-month-free pay later
03

Strengths & limitations

Strengths

  • #1 BNPL brand in Europe
  • Merchants don't bear user default risk (Klarna pays out 100% immediately)
  • Improves conversion (checkout with BNPL option lifts 30%+)

Limitations

  • Merchant fee 2-5% (higher than credit card)
  • May enable consumer over-borrowing
  • Some countries restrict BNPL
04

Example request

Generic template — replace <endpoint> with the real path from the docs.
curl https://klarna.com/<endpoint>
05

Getting started

Apply for merchant account at klarna.com/business. POST /payments/v1/sessions to create BNPL session; embed Klarna widget on frontend.

06

FAQ

Merchant fees are higher than cards — why choose Klarna?+

Conversion lift typically covers the fee differential. For high-ticket categories (furniture, luxury), BNPL is a conversion-deciding factor.

07

Technical details

CORS: NoHTTPS: YesSignup: ?Open source: No
Auth type
unknown
Pricing
unknown
Protocols
REST
SDKs
python, javascript, php, ruby, java
Response time
1005 ms
Last health check
5/12/2026, 7:37:44 AM
08

Tags

klarnabnplpaymentinstallment