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Klarna

Klarna

Buy now pay later

Klarna is the largest provider of buy now, pay later services in the world

Klarna Pay Over Time​

Allows customers to pay for their purchase in installments. To configure Klarna Pay Over Time, follow these steps:

  • In Adyen:

    • Enable Klarna Pay Over Time in your Adyen account.
    • Configure the payment method settings according to your business requirements.

  • In VTEX:

    • Payment Method Configuration: Go to the VTEX admin panel and access the payment methods section https://{{account}}.myvtex.com/admin/pci-gateway#/rules or type payments in the Admin search box and click on Payments.
    • in the Payment Methods screen, click on the Add Payment Method button at the top right corner of the page.
    • Find the Klarna Pay Over Time option in the list of available payment methods and click on it.
    • In the Add Payment Method screen, select the Provider in the "Process with Provider" selection box.
    • Save the configuration. After that follow the steps detailed in the Configuring the Payment Provider in VTEX

Klarna Pay Now​

Allows customers to pay for their purchase immediately via bank transfer. To configure Klarna Pay Now, follow these steps:

  • In Adyen:

    • Enable Klarna Pay Now in your Adyen account.
    • Configure the payment method settings according to your business requirements.

  • In VTEX:

    • Payment Method Configuration: Go to the VTEX admin panel and access the payment methods section https://{{account}}.myvtex.com/admin/pci-gateway#/rules or type payments in the Admin search box and click on Payments.
    • in the Payment Methods screen, click on the Add Payment Method button at the top right corner of the page.
    • Find the Klarna option in the list of available payment methods and click on it.
    • In the Add Payment Method screen, select the Provider in the "Process with Provider" selection box.
    • Save the configuration. After that follow the steps detailed in the Configuring the Payment Provider in VTEX #klarna

Klarna Pay Later​

Allows customers to pay for their purchase in 30 days without interest. To configure Klarna Pay Later, follow these steps:

  • In Adyen:

    • Enable Klarna Pay Later in your Adyen account.
    • Configure the payment method settings according to your business requirements.

  • In VTEX:

    • Payment Method Configuration: Go to the VTEX admin panel and access the payment methods section https://{{account}}.myvtex.com/admin/pci-gateway#/rules or type payments in the Admin search box and click on Payments.
    • in the Payment Methods screen, click on the Add Payment Method button at the top right corner of the page.
    • Find the Klarna Pay Later option in the list of available payment methods and click on it.
    • In the Add Payment Method screen, select the Provider in the "Process with Provider" selection box.
    • Save the configuration. After that follow the steps detailed in the Configuring the Payment Provider in VTEX

Business Rules​

Payment Flow​

  1. The customer selects Klarna as the payment method at checkout.
  2. The customer chooses among the available payment options: Pay Now, Pay Over Time, or Pay Later.
  3. The system redirects the customer to Klarna for authentication and transaction approval.
  4. Klarna confirms the payment and sends a webhook to the connector.
  5. The connector approves the payment and updates VTEX.

Specific Rules​

  • Pay Now: The full amount is immediately debited from the customer's bank account or card.
  • Pay Over Time: The customer pays in multiple installments according to Klarna's options.
  • Pay Later: The customer has a set period to make the payment without additional interest (according to Klarna and merchant rules).
  • Authorization: Performed by Klarna and may be subject to a credit check.
  • Capture: Automatic after payment approval.
  • Refund: Allowed in partial or full amounts, depending on Klarna's rules.
  • Cancellation: Can only be done before capture; after that, a refund is required.