Klarna

Klarna is a Swedish fintech offering BNPL, banking, cards, and a shopping app to 150M+ consumers. Merchant API supports Pay-in-3, Pay-in-30, and financing.

Klarna publishes 19 APIs on the APIs.io network, including Payments API, Checkout API, Customer Token API, and 16 more. Tagged areas include Fintech, BNPL, Payments, Cards, and Shopping.

The Klarna catalog on APIs.io includes 1 event-driven AsyncAPI specification and 2 Spectral governance rulesets.

Klarna’s developer surface includes authentication and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub
37.3/100 thin ▬ flat Agent 55/100 agent native Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessSelf serve
21 APIs
FintechBNPLPaymentsCardsShopping

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 37.3/100 · thin
Contract Quality 16.0 / 25
Developer Ergonomics 2.2 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 5.0 / 12
Discoverability 6.5 / 10
Agent readiness — 55/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/klarna: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 21

Individual APIs this provider publishes, each with its own machine-readable definition.

Klarna Payments API

Create and authorize Klarna payment sessions; create orders against authorizations.

Klarna Checkout API

Hosted Klarna Checkout (KCO) for full-funnel checkout experience.

Klarna Order Management API

Capture, refund, cancel and update orders post-authorization.

Klarna Customer Token API

Persist a payment authorization as a customer token for repeat purchases.

Klarna Settlements API

Read merchant settlement reports and transactions.

Klarna Push Notifications

Outbound HTTP POST callbacks Klarna issues to merchant-hosted URLs for Payments authorization, HPP status updates, Checkout push, and pending-order risk decisions.

Klarna Captures API

The Captures API from Klarna — 6 operation(s) for captures.

Klarna Checkout API

The Checkout API from Klarna — 3 operation(s) for checkout.

Klarna Customer Token API

The Customer Token API from Klarna — 3 operation(s) for customer token.

Klarna Hpp API

The Hpp API from Klarna — 3 operation(s) for hpp.

Klarna Merchant Urls.address Update API

The Merchant Urls.address Update API from Klarna — 1 operation(s) for merchant urls.address update.

Klarna Merchant Urls.country Change API

The Merchant Urls.country Change API from Klarna — 1 operation(s) for merchant urls.country change.

Klarna Merchant Urls.shipping Option Update API

The Merchant Urls.shipping Option Update API from Klarna — 1 operation(s) for merchant urls.shipping option update.

Klarna Merchant Urls.validation API

The Merchant Urls.validation API from Klarna — 1 operation(s) for merchant urls.validation.

Klarna Merchantcard API

The Merchantcard API from Klarna — 6 operation(s) for merchantcard.

Klarna Orders API

The Orders API from Klarna — 9 operation(s) for orders.

Klarna Payments API

The Payments API from Klarna — 5 operation(s) for payments.

Klarna Payouts API

The Payouts API from Klarna — 3 operation(s) for payouts.

Klarna Refunds API

The Refunds API from Klarna — 2 operation(s) for refunds.

Klarna Reports API

The Reports API from Klarna — 4 operation(s) for reports.

Klarna Transactions API

The Transactions API from Klarna — 1 operation(s) for transactions.

Scroll for all 21

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Klarna HPP

OPEN COLLECTION

Klarna Settlements API

OPEN COLLECTION

Klarna Merchant Card Service API

OPEN COLLECTION

Klarna Order Management API

OPEN COLLECTION

GraphQL 1

GraphQL schemas published by this provider.

Klarna GraphQL Schema

This document describes a conceptual GraphQL schema for the Klarna payments and BNPL (Buy Now, Pay Later) platform. The schema covers the full merchant integration surface: paym...

GRAPHQL

Pricing Plans 1

Published pricing tiers and plan structures.

Klarna Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Klarna Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Klarna Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Klarna Push Notifications

AsyncAPI 2.6 description of Klarna's outbound HTTP push surface — the set of server-to-server callbacks that Klarna issues to merchant-hosted endpoints when payment, checkout, a...

ASYNCAPI

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Klarna API Rules

9 rules · 1 errors 8 warnings

SPECTRAL

Klarna API Rules

5 rules · 4 warnings 1 info

SPECTRAL

JSON Schema 62

Standalone JSON Schema definitions for this provider's data models.

Addon

4 properties

JSON SCHEMA

Address

6 properties

JSON SCHEMA

BackgroundImageV1

2 properties

JSON SCHEMA

Cancel not allowed error message

3 properties

JSON SCHEMA

cancel_order_request_status_cancelled

1 properties

JSON SCHEMA

cancel_order_request_status_no_request_found

3 properties

JSON SCHEMA

cancel_order_request_status_pending

2 properties

JSON SCHEMA

cancel_order_request_status

4 properties

JSON SCHEMA

Capture not allowed error message

3 properties

JSON SCHEMA

Capture

11 properties

JSON SCHEMA

CaptureObject

6 properties

JSON SCHEMA

card

9 properties

JSON SCHEMA

card_specification

4 properties

JSON SCHEMA

CarrierProduct

2 properties

JSON SCHEMA

customer

2 properties

JSON SCHEMA

CustomerV1

5 properties

JSON SCHEMA

DistributionContactV1

4 properties

JSON SCHEMA

DistributionModuleV1

3 properties

JSON SCHEMA

DistributionRequestV1

3 properties

JSON SCHEMA

ErrorMessageDto

3 properties

JSON SCHEMA

ErrorResponse

3 properties

JSON SCHEMA

ExtendDueDateOptions

2 properties

JSON SCHEMA

ExtendDueDateRequest

1 properties

JSON SCHEMA

InitialPaymentMethodDto

3 properties

JSON SCHEMA

Location

4 properties

JSON SCHEMA

MerchantManualIdentificationV1

4 properties

JSON SCHEMA

MerchantOrderDto

26 properties

JSON SCHEMA

MerchantUrlsV1

6 properties

JSON SCHEMA

No such capture error message

3 properties

JSON SCHEMA

No such order error message

3 properties

JSON SCHEMA

Not allowed error message

3 properties

JSON SCHEMA

Not found error message

3 properties

JSON SCHEMA

OptionDto

2 properties

JSON SCHEMA

OptionsV1

8 properties

JSON SCHEMA

order_line

15 properties

JSON SCHEMA

Pagination

5 properties

JSON SCHEMA

Payout

8 properties

JSON SCHEMA

PayoutCollection

2 properties

JSON SCHEMA

PayoutSummary

14 properties

JSON SCHEMA

ProductIdentifiers

6 properties

JSON SCHEMA

promise_created_response

2 properties

JSON SCHEMA

promise_request

2 properties

JSON SCHEMA

promise_response

5 properties

JSON SCHEMA

Refund not allowed error message

3 properties

JSON SCHEMA

Refund

7 properties

JSON SCHEMA

RefundObject

4 properties

JSON SCHEMA

SelectedShippingOptionDto

14 properties

JSON SCHEMA

SessionCreationRequestV1

4 properties

JSON SCHEMA

SessionCreationResponseV1

8 properties

JSON SCHEMA

SessionResponseV1

9 properties

JSON SCHEMA

settlement_request

3 properties

JSON SCHEMA

settlement_response

6 properties

JSON SCHEMA

shipping_info

7 properties

JSON SCHEMA

subscription

3 properties

JSON SCHEMA

Timeslot

5 properties

JSON SCHEMA

Totals

18 properties

JSON SCHEMA

Transaction

27 properties

JSON SCHEMA

TransactionCollection

2 properties

JSON SCHEMA

Update authorization

3 properties

JSON SCHEMA

Update merchant references

2 properties

JSON SCHEMA

UpdateConsumer

1 properties

JSON SCHEMA

UpdateShippingInfo

1 properties

JSON SCHEMA

Scroll for all 62

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Klarna Authentication

http · 1 scheme

SECURITY

Klarna Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Klarna Vulnerability Disclosure

Hackerone

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Klarna Agentic Access

37 operations · 19 acting · 1 human-in-the-loop

37 operations · 19 acting

AGENTIC

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LlmsText
LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

LinkedIn
LinkedIn
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: klarna
url: https://raw.githubusercontent.com/api-evangelist/klarna/refs/heads/main/apis.yml
name: Klarna
kind: company
description: Klarna is a Swedish fintech offering BNPL, banking, cards, and a shopping app to 150M+ consumers. Merchant API
  supports Pay-in-3, Pay-in-30, and financing.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/klarna.png
tags:
- Fintech
- BNPL
- Payments
- Cards
- Shopping
created: '2026-05-08'
modified: '2026-05-30'
specificationVersion: '0.19'
apis:
- name: Klarna Payments API
  description: Create and authorize Klarna payment sessions; create orders against authorizations.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Payments
  - BNPL
  properties:
  - type: Documentation
    url: https://docs.klarna.com/klarna-payments/
  - url: graphql/klarna-graphql.md
    type: GraphQL
- name: Klarna Checkout API
  description: Hosted Klarna Checkout (KCO) for full-funnel checkout experience.
  humanURL: https://docs.klarna.com/klarna-checkout/
  baseURL: https://api.klarna.com
  tags:
  - Checkout
  - Hosted
  properties:
  - type: Documentation
    url: https://docs.klarna.com/klarna-checkout/
- name: Klarna Order Management API
  description: Capture, refund, cancel and update orders post-authorization.
  humanURL: https://docs.klarna.com/order-management/
  baseURL: https://api.klarna.com
  tags:
  - Order Management
  properties:
  - type: Documentation
    url: https://docs.klarna.com/order-management/
- name: Klarna Customer Token API
  description: Persist a payment authorization as a customer token for repeat purchases.
  humanURL: https://docs.klarna.com/customer-token/
  baseURL: https://api.klarna.com
  tags:
  - Tokens
  - Recurring
  properties:
  - type: Documentation
    url: https://docs.klarna.com/customer-token/
- name: Klarna Settlements API
  description: Read merchant settlement reports and transactions.
  humanURL: https://docs.klarna.com/settlements/
  baseURL: https://api.klarna.com
  tags:
  - Settlements
  - Reporting
  properties:
  - type: Documentation
    url: https://docs.klarna.com/settlements/
- name: Klarna Push Notifications
  description: Outbound HTTP POST callbacks Klarna issues to merchant-hosted URLs for Payments authorization, HPP status updates,
    Checkout push, and pending-order risk decisions.
  humanURL: https://docs.klarna.com/
  baseURL: https://merchant.example.com
  tags:
  - Webhooks
  - Push Notifications
  - Callbacks
  - Events
  properties:
  - type: AsyncAPI
    url: asyncapi/klarna-push-notifications-asyncapi.yml
  - type: Documentation
    url: https://docs.klarna.com/payments/web-payments/integrate-with-klarna-payments/other-actions/authorization-callback/
  - type: Documentation
    url: https://docs.klarna.com/payments/web-payments/integrate-with-klarna-payments/integrate-via-hpp/api-documentation/status-callbacks/
  - type: Documentation
    url: https://docs.klarna.com/order-management/manage-orders-with-the-api/view-and-change-orders/acknowledge-your-kco-orders/
- aid: klarna:klarna-captures-api
  name: Klarna Captures API
  description: The Captures API from Klarna — 6 operation(s) for captures.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Captures
  properties:
  - type: OpenAPI
    url: openapi/klarna-captures-api-openapi.yml
- aid: klarna:klarna-checkout-api
  name: Klarna Checkout API
  description: The Checkout API from Klarna — 3 operation(s) for checkout.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/klarna-checkout-api-openapi.yml
- aid: klarna:klarna-customer-token-api
  name: Klarna Customer Token API
  description: The Customer Token API from Klarna — 3 operation(s) for customer token.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Customer Token
  properties:
  - type: OpenAPI
    url: openapi/klarna-customer-token-api-openapi.yml
- aid: klarna:klarna-hpp-api
  name: Klarna Hpp API
  description: The Hpp API from Klarna — 3 operation(s) for hpp.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Hpp
  properties:
  - type: OpenAPI
    url: openapi/klarna-hpp-api-openapi.yml
- aid: klarna:klarna-merchant-urls-address-update-api
  name: Klarna Merchant Urls.address Update API
  description: The Merchant Urls.address Update API from Klarna — 1 operation(s) for merchant urls.address update.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Merchant Urls.address Update
  properties:
  - type: OpenAPI
    url: openapi/klarna-merchant-urls-address-update-api-openapi.yml
- aid: klarna:klarna-merchant-urls-country-change-api
  name: Klarna Merchant Urls.country Change API
  description: The Merchant Urls.country Change API from Klarna — 1 operation(s) for merchant urls.country change.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Merchant Urls.country Change
  properties:
  - type: OpenAPI
    url: openapi/klarna-merchant-urls-country-change-api-openapi.yml
- aid: klarna:klarna-merchant-urls-shipping-option-update-api
  name: Klarna Merchant Urls.shipping Option Update API
  description: The Merchant Urls.shipping Option Update API from Klarna — 1 operation(s) for merchant urls.shipping option
    update.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Merchant Urls.shipping Option Update
  properties:
  - type: OpenAPI
    url: openapi/klarna-merchant-urls-shipping-option-update-api-openapi.yml
- aid: klarna:klarna-merchant-urls-validation-api
  name: Klarna Merchant Urls.validation API
  description: The Merchant Urls.validation API from Klarna — 1 operation(s) for merchant urls.validation.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Merchant Urls.validation
  properties:
  - type: OpenAPI
    url: openapi/klarna-merchant-urls-validation-api-openapi.yml
- aid: klarna:klarna-merchantcard-api
  name: Klarna Merchantcard API
  description: The Merchantcard API from Klarna — 6 operation(s) for merchantcard.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Merchantcard
  properties:
  - type: OpenAPI
    url: openapi/klarna-merchantcard-api-openapi.yml
- aid: klarna:klarna-orders-api
  name: Klarna Orders API
  description: The Orders API from Klarna — 9 operation(s) for orders.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/klarna-orders-api-openapi.yml
- aid: klarna:klarna-payments-api
  name: Klarna Payments API
  description: The Payments API from Klarna — 5 operation(s) for payments.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/klarna-payments-api-openapi.yml
- aid: klarna:klarna-payouts-api
  name: Klarna Payouts API
  description: The Payouts API from Klarna — 3 operation(s) for payouts.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/klarna-payouts-api-openapi.yml
- aid: klarna:klarna-refunds-api
  name: Klarna Refunds API
  description: The Refunds API from Klarna — 2 operation(s) for refunds.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/klarna-refunds-api-openapi.yml
- aid: klarna:klarna-reports-api
  name: Klarna Reports API
  description: The Reports API from Klarna — 4 operation(s) for reports.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/klarna-reports-api-openapi.yml
- aid: klarna:klarna-transactions-api
  name: Klarna Transactions API
  description: The Transactions API from Klarna — 1 operation(s) for transactions.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/klarna-transactions-api-openapi.yml
common:
- type: AgenticAccess
  url: agentic-access/klarna-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/klarna-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/klarna-domain-security.yml
- type: Authentication
  url: authentication/klarna-authentication.yml
- type: GitHubOrganization
  url: https://github.com/klarna
- type: LinkedIn
  url: https://www.linkedin.com/company/klarna
- type: Website
  url: https://www.klarna.com/
- type: Plans
  url: plans/klarna-plans-pricing.yml
- type: RateLimits
  url: rate-limits/klarna-rate-limits.yml
- type: FinOps
  url: finops/klarna-finops.yml
- type: LlmsText
  url: https://docs.klarna.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com