Klarna

Klarna is a payment system allowing consumers to pay after receiving the goods.

After a consumer has chosen to pay with Klarna, CURO will create a Klarna transaction which is "Not Shipped".
After you ship the products to the consumer, the order needs to be Activated in the back-office so Klarna will start collecting from the consumer.
If there's something wrong with the order, it is also possible to Cancel the order in the back-office.
Klarna requires extra parameters specified below to initiate a transaction.

📘
Note

If you do not specify required fields, you will receive an error or warning container in the response, depending on what is missing.

For a warning you will also receive a url which will contain a URL to the standard Klarna FORM where the consumer can fill out the missing data.

If you collect all required data on your own website, you are required to show the Klarna Terms and Conditions and have the user agree to them via a checkbox. Klarna will also want to review your checkout procedure for approval — please contact your account manager for more details.

Klarna Payment

Entry point: /rest/v1/curo/payment/klarna/

EXTRA REST request elements

See the Klarna request parameters in the API reference for the general elements.

See Create Transaction for the general elements.

Field name	Type Length	Required	Description
`[request]`	container	required	General container for this resource. Includes the generic request items.
`[consumer]`	container	required	Consumer information for this transaction (See the generic Consumer and Shipping elements for this transaction.)
`[cartitems]`	container	required	The cart items of the webshop order. (See the generic CartItems elements.)

⚠️
Important
ssn is only required in the following countries: Sweden, Finland, Norway and Denmark.
Klarna has pre-defined the content of the ssn number, like so:
SE: YYMMDD-NNNN — it can be sent with or without dash "-" or with or without the two first numbers in the year.
FI: DDMMYY-NNNN — it can be sent with or without dash "-".
NO: DDMMYYNNNNN
DK: DDMMYYNNNN

REST response elements

Field name	Type Length	Description
`[payment]`	container	General container for this resource.
`transaction_id`	string 12	Newly created transaction ID.
`url`	string 255	If there is no error, this URL depends on whether the information sent to Klarna was processed completely and successfully: incomplete → URL to the default CURO Klarna form (you will also have a `warning` container indicating which fields are missing); success → URL to `url_pending` (or `url_failure` if no pending URL is given); the URL will receive `status=pending` to indicate it was accepted but must be Activated for Klarna. It is your responsibility to redirect the consumer to the `url` address.

Klarna Request samples

Below is a sample of an incomplete request for Klarna, missing some required variables. In this case you will receive a url to a FORM where the consumer can complete the data and submit it to Klarna.

JSON Request Example

POST /rest/v1/curo/payment/klarna/ HTTP/1.1
Content-Type: application/json
Accept: application/json

{
    "site_id": 1234,
    "currency_id": "EUR",
    "amount": 100,
    "reference": "Reference 1",
    "description": "Description 1",
    "url_success": "http://www.example.com/success.html",
    "url_pending": "http://www.example.com/pending.html",
    "url_failure": "http://www.example.com/failed.html",
    "url_callback": "http://www.example.com/control.html",
    "country_id": "NL",
    "language_id": "nl",
    "ip": "1.2.3.4",
    "consumer": {
        "firstname": "John",
        "lastname": "Doe",
        "email": "[email protected]",
        "address": "nowhereroad 12",
        "city": "NonVille",
        "zipcode": "12345",
        "country_id": "NL",
        "phone": "0612345678",
        "dob": "10-07-1970",
        "gender": "m",
        "initials": "JD"
    },
    "cartitems": [
        {
            "quantity": 1,
            "sku": "hamer_01",
            "name": "Hamer",
            "price": 150,
            "vat": 21,
            "vat_inc": 1,
            "type": 1
        },
        {
            "quantity": 1,
            "sku": "Discount",
            "name": "Discount total",
            "price": -50,
            "vat": 21,
            "vat_inc": 1,
            "type": 4
        }
    ]
}

Response for correct request:

HTTP/1.1 200 OK
Content-Type: application/json

{
    "payment": {
        "action": "redirect",
        "external": true,
        "url": "http://www.example.com/pending.html?status=pending&transaction=T1234567890&code=701&reference=Reference+1",
        "transaction_id": "T1234567890",
        "testmode": 1
    },
    "success": true
}

Response for wrong request:

HTTP/1.1 200 OK
Content-Type: application/json

{
    "payment": {
        "action": "redirect",
        "external": false,
        "url": "https://secure.curopayments.net/v1/payment/klarna.app?transaction=T1234567890",
        "transaction_id": "T1234567890",
        "testmode": 1
    },
    "success": true,
    "warning": "missing consumer data: dob"
}

Klarna Refund

The Refund operation must be done using the Transaction ID of a successfully completed transaction.

The Refund operation, as its name states, consists of returning the money already collected by a Payment or a Capture transaction. The amount collected can be refunded in total or partially. You cannot refund amounts bigger than the one sent in the original transaction.

📘
Note

You can perform multiple refunds until you reach the total amount of the original Payment and your balance in the system is sufficient.

A refund will be done via a SEPA Credit Transfer to the account information provided by the issuing bank. It is not possible to refund to other accounts.

Refunds can be bounced by the receiving bank in case of restrictions on the receiving account (i.e. Depot or Savings accounts).

Created refunds will be "Pending" (code=0) until they are collected and processed at 05:30 (Europe/Amsterdam); before that time a refund can still be cancelled.

Entry point: /rest/v1/curo/refund/

REST request elements

Field name	Type Length	Required	Description
`[refund]`	container	required	General container for this resource (XML only).
`transaction_id`	string 12	required	Transaction ID that needs to be refunded.
`amount`	integer 10	required	The amount payable in cents (with no decimal separator). Required unless `auto_amount` flag is given.
`vat`	numeric 10,2	required	VAT percentage for the refund.
`vat_inc`	boolean 1	required	Flag to indicate VAT is included in the refund amount.
`auto_amount`	string 1-3	optional	Flag (1/Yes) to indicate the full/remaining amount can be refunded for the transaction.
`description`	string 255	optional	Reason why the transaction is being refunded.

REST response elements

Field name	Type Length	Description
`[refund]`	container	General container for this resource.
`transaction_id`	string 12	Transaction ID.

JSON Example Request

POST /rest/v1/curo/refund/ HTTP/1.1
Authorization: Basic dXNlcm5hbWU6YXBpa2V5
Host: secure.curopayments.net
Content-type: application/json
Accept: application/json

{
    "site_id": 1234,
    "transaction_id": "T1234567890",
    "amount": 100,
    "description": "Double paid"
}

Response:

HTTP/1.1 200 OK
Content-Type: application/json

{
    "refund": {
        "transaction": "T1234567890",
        "payment_type_id": "18",
        "transaction_id": "T1234567890"
    }
}

Klarna Capture

A previously authorized transaction can be captured by using this entry point if the action is supported by the payment method.

Entry point: /rest/v1/curo/capture/

REST request elements

Field name	Type Length	Required	Description
`transaction_id`	string 12	required	Transaction id to be captured.
`description`	string 255		Optional description for the capture. NB This is not processed or used by a payment method, just for the back-office.

Klarna Cancel

A transaction can be cancelled in the back-office, or by using this entry point.

Entry point: /rest/v1/curo/cancel/

REST request elements

Field name	Type Length	Required	Description
`transaction_id`	string 12	required	Transaction id to be cancelled.
`description`	string 255		Optional description for the cancellation. NB This is not processed or used by a payment method, just for the back-office.