--- description: Directory overview of Klarna: buy now, pay later payment options for merchants, with notes on coverage, approval factors, disputes, and integrations. title: Klarna for merchants: BNPL payments & checkout options image: https://cdn.smartretry.com/_next/static/media/og-image.0z0q4_5kazzzo.jpeg --- [Skip to main content](#main-content) # Klarna ## Methods * Buy Now Pay Later Klarna is a payment provider that lets merchants offer buy now, pay later and flexible payment options at checkout. Struggling with your approval ratio for this payment provider? [contact SmartRetry team →](/contact) Published January 21, 2026 Last updated May 5, 2026 ![Reading time](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fclock.337f-cmnyb532.svg)2 min ![Klarna](https://cdn.smartretry.com/cdn-cgi/image/width=640&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fklarna.svg) ![Klarna payment phone](https://cdn.smartretry.com/cdn-cgi/image/width=750&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fphone.3jczmn1xd9-9j.webp) Proceed payment with ![Klarna](https://cdn.smartretry.com/cdn-cgi/image/width=48&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fklarna.svg)Klarna ## Still letting failed transactions slip through? SmartRetry turns declines into approvals - automatically, intelligently, and without changing your payment provider. Email address Let’s talk Table of Contents ## About Klarna [![Official Website](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fglobe-website.1l5fn-a17cqln.svg)](https://www.klarna.com "Official Website")[![LinkedIn Page](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin-about.2wasedelio7i5.svg)](https://www.linkedin.com/company/klarna "LinkedIn Page") Product Type Payment Method Foundation 2005 Company Type private Employees 10,000+ Location ![SWE](https://flagcdn.com/w20/se.webp)SWE Channel OnlineIn person For developers [Status page](https://status.klarna.com)[Stack Overflow](https://stackoverflow.com/questions/tagged/klarna) ## Features ### 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 Processing currenciesEUR, GBP, SEK, DKK, NOK, USD, AUD, NZD, CAD ## Available in Available countries * 🌍Global ### FAQ Is Klarna a PSP or an acquirer? Klarna is a payment provider focused on BNPL and alternative payment options; you typically use it alongside (or via) your PSP/payment platform depending on your setup. Why are Klarna payments declined and how can I reduce declines? Declines can be driven by shopper eligibility, incomplete or inconsistent customer details, unusually high basket sizes, or market-specific rules. Track approval rate by country/channel and tighten checkout data quality and messaging. Where is Klarna available for merchants? Klarna is available in multiple regions, but merchant availability and supported products vary by market. Confirm coverage and requirements with Klarna for the countries you sell into. Can I offer Klarna alongside cards and wallets? Yes. Many merchants present Klarna as an additional payment method next to cards and wallets, typically configured through their checkout and payment platform. How do refunds and returns work with Klarna? Refund handling depends on the Klarna product and your integration. Merchants generally initiate refunds through their Klarna setup, and shoppers see updates based on the payment plan and status. ## Statuses * All * Order Status * Dispute Status * Error Codes __Statuses \- All__ | Code | Description | Level | Frequency | Resolution | | ------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------- | ---------- | ---------- | | Order Status | | | | | | AUTHORIZED | Order Authorized The customer's payment has been authorized by Klarna. Funds are reserved and the merchant can proceed to capture (ship the order). Authorization is typically valid for 28 days. | Processing, Info | Common | T0 | | CAPTURED | Order Captured The order has been captured (shipped). Klarna has initiated payment to the merchant and has started billing the customer according to their chosen payment method. | Approved | Common | T0 | | PART\_CAPTURED | Partially Captured A partial capture has been made against the order. The remaining authorized amount can still be captured or released. | Processing, Info | Occasional | T0 | | CANCELLED | Order Cancelled The order authorization has been cancelled. No captures are possible. Cancellation is only allowed before any capture has been made. | Info | Occasional | T0 | | EXPIRED | Authorization Expired The authorization has expired without being captured. By default, Klarna authorizations expire after 28 days. The customer must place a new order. | Error, Info | Occasional | T0 | | CLOSED | Order Closed The order is fully settled (fully captured and all refunds processed) or has been closed by Klarna. No further actions can be taken. | Info | Occasional | T0 | | REFUNDED | Order Refunded The full captured amount has been refunded to the customer. | Info | Occasional | T0 | | PART\_REFUNDED | Partially Refunded A partial refund has been issued against the captured amount. Further refunds are possible up to the remaining captured amount. | Info | Occasional | T0 | | ACCEPTED | Payment Accepted / Authorized The payment session was accepted and the payment has been authorized by Klarna's risk engine. Used as the raw acquirer response for successful authorizations. | Approved | Common | T0 | | PENDING | Payment Pending The payment is pending further action by the customer or Klarna's risk review. Common in widget integrations while the customer is still completing the Klarna checkout flow. | Processing | Common | T0 | | REFUSED | Payment Refused Klarna's internal risk engine refused the payment. Common reasons include an outstanding unpaid balance with Klarna, risk scoring, or country/currency mismatch. Do not retry immediately. | Declined | Common | T2 | | ABANDONED | Session Abandoned The customer did not complete the payment flow using the redirect URL or widget. The session has been abandoned. A new session should be initiated. | Info | Occasional | T0 | | FAILED | Authorization Failed The authorization request failed due to either Klarna rejecting the transaction or a technical error. A new authorization request should be submitted. | Error, Declined | Occasional | T0 | | AUTH\_REVERSED | Authorization Reversed The authorization was successfully reversed (voided). No capture is possible after this state. | Info | Occasional | T0 | | Dispute Status | | | | | | DISPUTE\_OPENED | Dispute Opened A dispute has been opened by the customer against this order. The merchant should respond with evidence within the specified deadline. | Info | Occasional | T1 | | DISPUTE\_LOST | Dispute Lost The dispute has been resolved in favor of the customer. The merchant has lost the dispute and funds have been returned to the customer. | Info | Occasional | T1 | | DISPUTE\_WON | Dispute Won The dispute has been resolved in favor of the merchant. Funds remain with the merchant. | Approved, Info | Occasional | T1 | | Error Codes | | | | | | UNAVAILABLE\_PAYMENT\_METHOD | Payment Method Unavailable Klarna's risk engine refused the payment because the selected payment method (e.g., Pay Later, Pay in 3) is unavailable for this customer or transaction. The shopper may have an unpaid balance. | Declined | Occasional | T2 | | PAYMENT\_METHOD\_FAILED | Payment Method Failed The purchase for the selected Klarna payment method failed. This is a risk-engine refusal, often indicating unpaid obligations with Klarna. | Declined | Occasional | T2 | | CAPTURE\_NOT\_ALLOWED | Capture Not Allowed The capture operation is not permitted. The order may be cancelled, expired, or the capture amount exceeds the remaining authorized amount. HTTP 403. | Error | Occasional | T0 | | CANCEL\_NOT\_ALLOWED | Cancel Not Allowed Cancellation is not possible because the order has already been captured. Once captured, a refund must be issued instead. HTTP 403. | Error | Occasional | T0 | | REFUND\_NOT\_ALLOWED | Refund Not Allowed The refund is not permitted. The order has no captures, has already been cancelled, or the refund amount exceeds the captured amount. HTTP 403. | Error | Occasional | T0 | | NOT\_ALLOWED | Operation Not Allowed The requested operation (e.g., release authorization, update order, extend authorization) is not allowed in the current order state. HTTP 403. | Error | Occasional | T0 | | NO\_SUCH\_ORDER | Order Not Found The order ID provided does not correspond to any existing order for this merchant. Verify the order ID. HTTP 404. | Error | Occasional | T0 | | NO\_SUCH\_CAPTURE | Capture Not Found The capture ID provided cannot be found. Verify that the capture ID is correct. HTTP 404. | Error | Occasional | T0 | | NOT\_FOUND | Resource Not Found The requested resource (refund, capture, or order) cannot be found. Check the provided IDs. HTTP 400 or 404. | Error | Occasional | T0 | | CONFLICT | Resource Conflict The request conflicts with the current state of the resource (e.g., concurrent operations on the same order). Implement retry with back-off. HTTP 409. | Error | Occasional | T0 | | UNPROCESSABLE\_ENTITY | Unprocessable Entity The request is syntactically valid but semantically incorrect (e.g., field value out of allowed range). Review the OpenAPI documentation for field constraints. HTTP 422. | Error | Common | T0 | | INVALID\_ADDRESS | Invalid Address The shipping or billing address provided is invalid. Validate and correct the address fields before retrying. HTTP 422. | Error | Occasional | T0 | | REQUEST\_TOO\_LARGE | Request Too Large The request payload exceeds the maximum allowed size. Reduce the request body and retry. HTTP 413. | Error | Rare | T0 | | TOO\_MANY\_REQUESTS | Rate Limit Exceeded The API rate limit has been exceeded. Implement exponential back-off and retry after the period indicated in the Retry-After header. HTTP 429. | Error | Occasional | T0 | | INTERNAL\_SERVER\_ERROR | Internal Server Error An unexpected server-side error occurred on Klarna's platform. Retry following Klarna's escalation and retry policy. HTTP 500. | Error | Occasional | T0 | | UNEXPECTED\_ERROR | Unexpected Error An unexpected error occurred; equivalent to INTERNAL\_SERVER\_ERROR. Retry following Klarna's escalation and retry policy. HTTP 500. | Error | Occasional | T0 | | TEMPORARILY\_UNAVAILABLE | Service Temporarily Unavailable Klarna's service is temporarily unavailable (gateway timeout or service outage). Retry with exponential back-off. HTTP 502/503/504. | Error | Occasional | T0 | | BAD\_VALUE | Bad Field Value A field in the request contains an invalid value (e.g., BAD\_VALUE: locale, BAD\_VALUE: purchase\_currency, BAD\_VALUE: order\_lines\[X\].tax\_rate). Correct the indicated field and resubmit. | Error | Common | T0 | | BAD\_VALUE:locale | Invalid Locale The locale in the payment request is not supported or is incompatible with the purchase country. Use a valid locale/country combination. | Error | Occasional | T0 | | BAD\_VALUE:purchase\_currency | Invalid Purchase Currency The currency code is not correctly formatted or does not apply for the specified locale. Verify the currency/locale/country combination. | Error | Occasional | T0 | | BAD\_VALUE:order\_lines\_tax | Invalid Tax Amount in Order Lines The tax rate or total tax amount for one or more order lines is invalid. Tax amounts must sum correctly across all order lines per Klarna's calculation rules. | Error | Occasional | T0 | | BAD\_VALUE:billing\_address | Invalid Billing/Shipping Address Field A billing or shipping address field (postal code, phone, name) is invalid or not formatted correctly. Ensure UTF-8 encoding and correct format per country. | Error | Occasional | T0 | | NOT\_FOUND:session | Session Not Found / Expired The session ID is invalid or expired. The customer attempted to pay against an expired offer. Initiate a new session. | Error, Declined | Occasional | T0 | | PAYMENT\_METHOD\_NOT\_AVAILABLE | Payment Method Not Available The Klarna payment method is not configured or enabled for this merchant. Verify Klarna is enabled in the payment provider dashboard. | Error, Declined | Occasional | T1 | | MISSING\_RETURN\_URL | Missing Return URL The returnUrl parameter is missing from the payment request. Include a valid returnUrl before retrying. | Error | Occasional | T0 | | NO\_INVOICE\_LINES | No Invoice Lines Provided The payment request did not include invoice/order lines. Klarna requires detailed line items for all payment requests. | Error | Occasional | T0 | | ALLOWED\_CATEGORY\_EMPTY | Allowed Category List Empty The payment request does not comply with Klarna's category guidelines (e.g., country code and billing address mismatch). Review request configuration. | Error | Rare | T0 | | INVALID\_AUTH\_TOKEN | Invalid or Expired Authorization Token The authorization token from Klarna is invalid or has expired (tokens expire after 60 minutes). Restart the checkout flow to obtain a new token. | Error | Occasional | T0 | ## Payment providers you might find interesting: [View all](/payment-providers) [![UnionPay](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Funionpay.svg) UnionPay UnionPay is a global card payment network used by issuers, acquirers, and merchants to accept UnionPay-branded card payments.](/payment-providers/unionpay)[![Authorize.Net](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fauthorize-net.svg) Authorize.Net Authorize.Net is a payment gateway that helps merchants accept card and bank-account payments through supported merchant accounts and e‑/m‑/](/payment-providers/authorize-net)[![Paysafe Group](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fpaysafe.svg) Paysafe Group Paysafe Group is a payments provider supporting merchants with payment processing and related tools for accepting and managing transactions.](/payment-providers/paysafe-group)[![Square](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fsquare.svg) Square Square is a payment provider that helps merchants accept card and digital wallet payments in-store and online with built-in business tools.](/payment-providers/square) ## Articles you may find interesting: [View all](/blog) [![Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fresolving-cvv-mismatch-payment-declines.jpg) September 15, 2026 Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants Discover why CVV mismatch errors trigger costly false declines across gateways. 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Discover how dynamic routing, network tokens, and smart decline recovery protect revenue and reduce involuntary customer churn across enterprise payment stacks.](/blog/payment-optimization)[![Payment Dispute Resolution and Revenue Recovery Strategies for 2026](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-dispute-resolution-revenue-recovery-strategy.jpg) September 7, 2026 Payment Dispute Resolution and Revenue Recovery Strategies for 2026 Discover how modern payment teams balance fraud prevention with user experience, using network interception tools and intelligent recovery logic to protect baseline revenue and cut false declines.](/blog/payment-dispute-resolution-revenue-recovery) --- ```json 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