Klarna
Klarna is a payment provider that lets merchants offer buy now, pay later and flexible payment options at checkout.
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Company Overview
SWEFeatures
BNPL payment options at checkout
Offer pay-later and installment-style options through Klarna. Common for ecommerce and digital checkout flows.
Market coverage and shopper eligibility
Support depends on the shopper’s region and Klarna eligibility checks. Display available options dynamically based on market.
Authorization outcomes and approval rates
Transaction approval/decline outcomes can vary by market, basket size, and shopper profile. Monitor approval rate by country, device, and channel to spot drop-offs.
Security and risk controls
Klarna applies risk controls to help manage fraud exposure on eligible transactions. Keep order and customer data consistent to reduce avoidable declines.
Authentication and shopper experience
Checkout flows may include shopper verification steps depending on market and scenario. Align UX and messaging so shoppers can complete verification when prompted.
Disputes, returns, and refunds support
Processes for disputes and refunds depend on the Klarna product used and your integration. Maintain clear return policies and timely refund handling to reduce escalations.
Reporting and reconciliation
Use Klarna reporting/portal tools to track payments, refunds, and settlement information. Ensure order IDs and references map cleanly to your OMS/accounting.
Tip from SmartRetry To improve approval rates, review declines by market and basket size, and ensure customer name, address, and contact details are complete and consistent at checkout.
Currencies
Settlement currency
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Processing currency
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FAQ
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