Klarna Pay Now Standalone (Debit Risk)

This section covers the Pay Now Standalone flows offered by Klarna. Pay Now Standalone is Klarna's replacement for Sofort, for high risk industries.

Payment Method Properties

Available country codesAT, CH, DE, SE, GB
*can be enabled on demand.
Processing (Presentation) currenciesEUR, GBP, SEK, CHF
Settlement currenciesEUR, GBP
Consumer currenciesEUR, GBP, SEK, CHF
Channel member tagklarnapns
Scheme name in the settlement fileKlarna-PNS
Minimum transaction amountEUR 1 (or equivalent)
Maximum transaction amount-
Session timeout1 hour of inactivity
RefundFull, partial and multiple partial refunds are all available.
Refund Validity365 days
Integration TypeAsynchronous

With Pay Now Standalone, instead of selecting from the various Klarna payment options available, customers skip the payment selection step and proceed directly with Pay Now by Bank.

Transaction Flow

  1. The consumer selects to pay with Klarna in the merchant checkout.
  2. The merchant creates a payment request to your system.
  3. Your system forwards the payment request to PPRO.
  4. PPRO creates an order session at Klarna to create the Klarna HPP.
  5. After Klarna responds, PPRO forwards you the response.
  6. The merchant redirects the consumer to a Klarna HPP page where they continue with the payment.
  7. After confirming the payment, the consumer is redirected to the merchant’s success page.

Klarna Pay Now Standalone Integration

Specific input parameters for the TRANSACTION call

Field NameM/O/CTypeDescription
specin.taxamountMnumericThe total tax amount of the order in the currency's minor units. This information is essential to provide detailed purchase information to the consumer (e.g., on the invoice).
transientin.billingaddressMutf-8The billing address. It is passed as a URL-encoded serialized JSON string (see Klarna documentation about the billing address).

Make sure you follow Klarna's postal code validation rules.
transientin.emdOutf-8Stands for "Extra Merchant Data”, a pass-through field containing additional information about the merchant and the transaction. It is passed as an URL-encoded JSON string. Corresponds to the attachment.body of the Create Payment Session call.
transientin.hpptitleOutf-8The title of the hosted payment page, displayed in the browser’s tab. If not set, defaults to the title set in the merchant configuration provided during the boarding process.
transientin.logourlOasciiURL of the merchant’s logo to be displayed on Klarna’s hosted payment page. If not set, defaults to the logo set in the merchant configuration.
transientin.orderitemsMutf-8The items being purchased. Passed as URL-encoded serialized JSON string (see Klarna documentation about Order Lines)
transientin.customerOutf-8Consumer information to be forwarded to Klarna as a URL-encoded serialized JSON string (see Klarna documentation about Customer data).

Sending the date_of_birth field prevents Klarna from prompting it in their hosted payment page.
transientin.purchasetypeOasciiThe type of purchase being made. Defines, for example, the label of the button on Klarna’s hosted payment page:







- CONTINUEIt can also be set in the merchant configuration. If not specified, defaults to CONTINUE.
transientin.shippingaddressOutf-8The shipping address. Passed as URL-encoded serialized JSON string. Defaults to transientin.billingaddress

Make sure you follow Klarna's postal code validation rules.
transientin.backgroundimagesOutf-8The images to be used as a background on Klarna’s payment page (the image best matching the resolution will be used). This is a pass-through field. Check Klarna’s documentation for more information about the correct format. This value can also be set in the merchant configuration.

For standard input parameters, see Input parameters for the TRANSACTION call.

Specific output parameters for the TRANSACTION call

Field NameTypeDescription
SPECOUT.SCHEMEORDERIDasciiThe order ID that Klarna returns after the order placing an order in their system.
SPECOUT.PROVIDERERRORCODEasciiThe error code displayed in case of a failed TRANSACTION call.
SPECOUT.PROVIDERERRORMESSAGEasciiA human-readable error message displayed in case of a failed TRANSACTION call.
SPECOUT.BILLINGCATEGORYasciiThe category PPRO uses for billing. PPRO generates this category to group the payment methods according to their fees and match them with the pricing/product categories Klarna uses in the partner tools. Not Klarna-provided.

SPECOUT.AUTHORIZEDPAYMENTMETHODasciiThe final payment method used for the transaction.

Possible values:

- direct_bank_transfer
SPECOUT.IBANasciiThe IBAN used by the shopper for the transaction.
SPECOUT.ACCOUNTHOLDERNAMEasciiThe account holder name the shopper used for the transaction.
Example value: John Doe

For standard output parameters, see Output parameters for the TRANSACTION call.

TRANSACTION call input


TRANSACTION call output


Additional Information

Supported Industries

  • Financial Services (MCC Codes: 6012, 6050, 6211, 6529, 6530, 6531, 6532, 6533, 6534, 6535, 7778, 4829, 6010, 6011, 6540)
  • Crypto-related activities (MCC Code: 6051)
  • Digital Services & Goods (MCC Codes: 7995, 9754, 7800, 7801, 7802, 9211, 9222, 9223)
  • Erotic Services (MCC Codes: 5967, 7273)
  • Other industries are supported via the regular Klarna one product, following these ethical guidelines.

Before you go live

  • Access Klarna's Demo Store to try out Klarna payments in a country of your choice.
  • Before you accept live payments, test your integration using the test details provided by Klarna.
  • Make sure to use the following country-specific sample data.
  • Consider Klarna's T&Cs based on your commercial agreement with PPRO.
  • Follow the Klarna guidelines on how to display Klarna in the checkout.
  • Ensure order lines and VAT are transmitted correctly to Klarna and displayed accurately on the Klarna pages.
  • If a consumer gets rejected by Klarna, offer them another payment method but not the same Klarna method.
  • Make sure you use Klarna's phone number format standards. To see the expected phone number format standards for every Klarna-supported country, go to this page.
  • Stay up-to-date with the information required for every country.

Testing and integration

If you wish to give your merchants access to run a live test in the production environment, follow the recommendations below:

  • Provide real consumer data: real name, personal email, personal mobile, and home and billing address. Using test data interferes with the credit/risk checks that Klarna performs on each transaction.
  • Don't provide a company address as a billing address.
  • Choose an item with a reasonable amount that meets Klarna's minimum requirements. Klarna can reject a request if the product is too expensive, and they do not have enough transaction history for the consumer.
  • Don't perform multiple tests in a short period from the same device or IP address. Doing this will trigger velocity rule checks, which will lead to a rejected transaction due to the scheme blocking the merchant's Klarna ID.
  • Klarna test data (relevant only on PPRO test) can be found at the following Klarna website.
  • Redirecting the consumer: In case you get a PENDING response that contains a REDIRECTURL, redirect the consumer to that URL. Store the REDIRECTSECRET in the session or persistent storage to be able to verify the response later (see Redirect to MerchantRedirectURL - shared secret). This redirect can be performed by HTTP GET (302 redirect).

Klarna Merchant Portal Information

You'll get access to the Klarna Merchant Portal. You'll receive an activation email at the address that you provide during onboarding.

In the Klarna Merchant Portal, you'll have access to the following Klarna Apps:

  • Users App: You'll get one user created when creating the account, but you can add users to the Klarna Merchant Portal and manage their permissions.
  • Orders App: View and manage Klarna orders.
  • Branding App: Manage how to display your brand assets on Klarna’s customer touchpoints.
  • On-Site Messaging App: Manage how you communicate the different Klarna payment options to your customer.



PPRO does not validate extra merchant data. Make sure you send the correct information.

Branding Guidelines

For information regarding branding, see the Klarna official website.


Please note that this documentation is subject to change as we are in the process of finalizing the production rollout. For more details, please reach out to your account manager.