---
title: "Klarna"
description: "Offer Klarna pay later, installment and financing options at checkout and capture the payment when you ship."
url: "https://docs.poltura.com/en/apps/klarna/"
lang: en
alternates:
  en: "https://docs.poltura.com/en/apps/klarna/"
  hu: "https://docs.poltura.com/hu/apps/klarna/"
---

# Klarna

Offer Klarna pay later, installment and financing options at checkout and capture the payment when you ship.

- Where: App Store → Klarna

The Klarna app lets shoppers buy now and pay later. On Klarna's secure page they choose Pay Later, Pay in 3 or 4, or financing. What they can choose depends on what Klarna offers in their country. Klarna works across Europe, including Hungary in HUF. The app is available on every plan.

## Before you start

- To try it out you need a Klarna playground account. It is free and you create it yourself at `https://playground.eu.portal.klarna.com/`.
- To take real payments you need a signed Klarna merchant agreement.
- You need an API credential (a username and a password). Create it in the Klarna merchant portal under Settings → API credentials. The password is shown only once, so copy it straight away.
- Playground and production credentials are separate and cannot be mixed.
- Klarna charges in the currency of the shopper's country: Hungary in HUF, Czechia in CZK, Poland in PLN, Slovakia in EUR, Romania in RON. A shopper who pays in another currency than the one Klarna uses for their country does not see Klarna.

## Set up Klarna

1. Open **Apps → App Store**, open **Klarna** and select **Install**. Installing works the same for every app, see [App Store](https://docs.poltura.com/en/apps/#install).

   ![The Klarna page in the App Store with the Install button, what the app adds and the first steps of its setup guide](https://docs.poltura.com/screenshots/en/apps/klarna.webp)

   _Klarna in the App Store, before you install it._

2. In the **Settings** section, leave **Environment** on `playground` and enter the **API username** and **API password**.

3. Select **Save** in the save bar.

4. Select **Check the credentials**. The message **The credentials work.** confirms that Klarna accepted them.

5. Select **Turn on**. The status of the app changes to **Active**.

6. Open **Settings → Payments**. Klarna is listed under **Payment methods** with the status **Ready**.

7. Shoppers now see Klarna at checkout when they pay in a currency Klarna charges, on every domain. See [Payments](https://docs.poltura.com/en/settings/payments/).

8. Place a test order in the playground.

9. When your merchant agreement is live, change **Environment** to `production`, enter the production credential, save and check the credentials again.

You do not have to enter any address in the Klarna portal. The callback address travels with every payment.

## Settings

- **Environment**: `playground` or `production`. The playground is self-serve and free. Production needs a signed Klarna merchant agreement. New installs start on `playground`.
- **API username** (required): the username of the API credential, for example `PK00000_1a2b3c4d5e6f`.
- **API password** (required): the password of the same credential. It is stored encrypted and is never shown again after you save it.

## What shoppers see at checkout

The payment step lists **Klarna** with the note that the shopper can pay later or split the purchase. After placing the order they are taken to Klarna's secure page and choose how to pay. If Klarna needs a moment to check the purchase, your store shows that Klarna is reviewing it and asks the shopper not to close the page.

## Day to day

- Klarna always approves the purchase first and charges it only when you capture. Open the order and select **Capture payment** when you ship. The admin captures the full amount. See [Payments and refunds](https://docs.poltura.com/en/orders/payments/#capture).
- You can refund a captured payment in full or in part with **Create Refund**. See [Refund an order](https://docs.poltura.com/en/orders/payments/#refund).
- Canceling an order that was not captured releases the approval at Klarna. A captured order cannot be canceled at Klarna any more: refund it.

## If something goes wrong

- **The credential check says Klarna rejected the credentials.** Check the username and the password. Also check that they belong to the system selected in **Environment**.
- **The check says Klarna could not be reached.** Try again in a few minutes.
- **Klarna does not appear at checkout.** Open **Settings → Payments** and check that Klarna is **Ready**, and that the shopper pays in the currency Klarna uses for their country. Offer that currency on the domain under [Currencies](https://docs.poltura.com/en/settings/markets/#currencies).
- **The shopper sees "Klarna declined this purchase."** Klarna decides this for each shopper. They need to choose another payment method.
- **The shopper is asked to restart the payment.** The cart or the amount changed while they were on Klarna's page.

## Related

- [App Store](https://docs.poltura.com/en/apps/)
- [Payments](https://docs.poltura.com/en/settings/payments/)
- [Markets](https://docs.poltura.com/en/settings/markets/)
- [Payments and refunds](https://docs.poltura.com/en/orders/payments/)
- [PayPal](https://docs.poltura.com/en/apps/paypal/)
- [Stripe](https://docs.poltura.com/en/apps/stripe/)