Klarna

Klarna Bank AB is a Swedish licensed bank and payments network serving 150M+ consumers and 600k+ merchants with buy-now-pay-later, financing, cards, banking and a shopping app. For developers Klarna publishes a merchant API estate covering payment sessions and authorization (Klarna Payments), hosted checkout (Klarna Checkout and the Hosted Payment Page), post-purchase order management (capture, refund, cancel, extend due date), customer tokens for recurring purchases, settlement payouts and transaction reporting, the Merchant Card Service, and a PSD2 XS2A open-banking API for licensed TPPs. Authentication is HTTP Basic with a Klarna-issued API key; Sign in with Klarna adds a full OAuth 2.0 / OpenID Connect consumer-identity surface. Klarna publishes rate limits, a six-month deprecation policy, public service-level objectives, a self-serve playground with market-specific sample data, and an llms.txt — but no fetchable OpenAPI, no server-side SDK in any language, and no MCP server.

Klarna publishes 22 API contracts indexed on the APIs.io network, including Push Notifications, Captures API, Checkout API, and 19 more. Tagged areas include Fintech, Buy Now Pay Later, Payments, Cards, and Shopping.

The Klarna catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 3 Spectral governance rulesets.

Klarna’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 44 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

73.6/100 exemplar ▬ flat Agent 47/100 agent native Front door AI 3/6 light saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

AccessSelf serve

6 published contracts

Fintech Buy Now Pay Later Payments Cards Shopping Banking Checkout Order Management Settlement Open Banking PSD2 Consumer Credit Sweden Agentic Commerce Consumer Finance

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

CheckoutHppMerchantcardOrdersPaymentsRefunds

POST /payments/v1/sessions DELETE /payments/v1/authorizations/{authorizationToken} POST /checkout/v3/orders PATCH /ordermanagement/v1/orders/{order_id}/authorization

What people ask Klarna 15

The questions people put to an LLM, and the jobs they hand an agent, that Klarna's APIs answer — each one linked to the operation that does it. Generated by API Evangelist

Klarna Orders API Get an order's details “How can I see the status, captures and remaining amount of a placed order?” Acknowledge a checkout order “Do I need to confirm to Klarna that I received a new checkout order?” Change an order's amount and lines “Can I raise or lower the authorized amount of an order before shipping?” Update an order's shipping address “The customer moved, can I change the shipping address on their order?”

Klarna Captures API Capture an order's payment “How do I capture payment on an order once I've shipped it?” List the captures on an order “Which captures have already been taken against a Klarna order?” Get the details of one capture “What was included in a specific capture on an order?” Extend a customer's payment due date “Can I give a customer more days to pay for a captured purchase?”

Klarna Merchant Card API Create a virtual card promise for an order “How do I request virtual credit cards to pay a supplier for an order?” Get a virtual card promise “Can I look up which cards were promised in a card promise?” Settle virtual cards for a completed order “How do I get the actual virtual card numbers once an order is complete?” Get a virtual card settlement by id “Can I retrieve an existing card settlement using its settlement id?”

Klarna Payments API Start a payment session “How do I start a Klarna Payments session and get a client token for the browser?” Update a payment session “The shopper added an item to the cart, how do I update their payment session?” Get a payment session “What data has been collected so far in a payment session?” Release an unused payment authorization “What do I do with an authorization token I'm not going to turn into an order?”

Klarna Reports API Download one payout's transactions as CSV “Can I export every transaction in a single payout to a spreadsheet?” Download one payout's summary as PDF “Is there a printable PDF summary of a single settlement?” Export all payout transactions for a period as CSV “Can I export the transactions of all payouts between two dates as CSV?” Download a PDF summary of payouts for a period “Can I get a PDF covering all payouts between two dates?”

Klarna Checkout API Create a checkout order “How do I start a new Klarna Checkout order and get the checkout snippet to embed?” Update an in-progress checkout order “Can I change the cart of a checkout order before the customer completes it?” Get a checkout order “How can I read back a checkout order while the customer is still checking out?” Abort a checkout order “How do I abandon a checkout order the customer will never finish?”

Klarna Hpp API Create a hosted payment page session “How do I send shoppers to a Klarna-hosted payment page instead of embedding the widget?” Get a hosted payment page session “Has the customer finished paying on the hosted payment page yet?” Disable a hosted payment page session “How do I shut down a hosted payment page link after the payment was cancelled?” Send a hosted payment page link to a customer “Can I text or email the payment link to a customer instead of redirecting them?”

Klarna Payouts API Summarize payouts per currency for a period “How much has been paid out to me in each currency over a date range?” Get a single payout “What is in the payout with a given payment reference?” List payouts “Which payouts have I received recently?”

Klarna Customer Token API Get a customer token's status and details “Is a saved customer token still active, and what payment method is behind it?” Charge a stored customer token with a new order “How do I bill a returning subscriber using their saved Klarna token?” Cancel a customer token “How do I stop a saved customer token from being charged again?”

Klarna Refunds API Refund an order “How do I refund a customer for a captured order?” Get a refund's details “Can I check the amount and lines of a refund I already issued?”

Klarna Merchant Urls.address Update API Respond to a shopper's address change “What does the address update callback send my store when a shopper edits their address?”

Klarna Merchant Urls.shipping Option Update API Respond to a shipping option selection “How do I add the shipping fee when a shopper picks a delivery option in checkout?”

Showing 12 of 15 APIs with phrasing — see every API.

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 73.6/100 · exemplar

Contract Quality 12.5 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 8.9 / 15

Operational Transparency 9.0 / 10

Contract Governance 3.2 / 9

Discoverability 5.9 / 8

Regulatory Posture 7.3 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 47/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

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 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Payments	mixed	52.6	-	-
Commerce Platform Ecosystems (Shopify, WooCommerce, Stripe Apps)	mixed	52.6	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 22

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), the checkout/v3 surface. Klarna divested the Klarna Checkout product and it now trades as Kustom; as of 2026-08-27 Klarna no longer publishes a ded...

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 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.

Klarna Agentic Product Protocol (KAPP) API

Klarna's agent-facing product protocol, exposing product and commerce data for AI agents to query. Registered 2026-09-04 from the same declined submission.

Klarna Merchant Card API

The Merchant Card API from Klarna — 6 operation(s) for merchant card.

Scroll for all 22

Open Collections 20

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

API Collection

OPEN COLLECTION

Klarna HPP

OPEN COLLECTION

Klarna HPP Captures API

OPEN COLLECTION

Klarna HPP Captures Checkout API

OPEN COLLECTION

Klarna HPP Captures Customer Token API

OPEN COLLECTION

Klarna Captures Hpp API

OPEN COLLECTION

Klarna HPP Captures Merchant Urls.address Update API

OPEN COLLECTION

Klarna HPP Captures Merchant Urls.country Change API

OPEN COLLECTION

Klarna HPP Captures Merchant Urls.shipping Option Update API

OPEN COLLECTION

Klarna HPP Captures Merchant Urls.validation API

OPEN COLLECTION

Klarna HPP Captures Merchantcard API

OPEN COLLECTION

Klarna HPP Captures Orders API

OPEN COLLECTION

Klarna HPP Captures Payments API

OPEN COLLECTION

Klarna HPP Captures Payouts API

OPEN COLLECTION

Klarna HPP Captures Refunds API

OPEN COLLECTION

Klarna HPP Captures Reports API

OPEN COLLECTION

Klarna Settlements API

OPEN COLLECTION

Klarna HPP Captures Transactions API

OPEN COLLECTION

Klarna Merchant Card Service API

OPEN COLLECTION

Klarna Order Management API

OPEN COLLECTION

Scroll for all 20

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

14 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

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Klarna Context

94 classes · 262 properties

JSON-LD

Spectral Rules 3

Spectral governance rulesets for linting and validating these APIs.

Klarna — asyncapi rules

9 rules · 1 errors 8 warnings

SPECTRAL

Klarna — jsonschema rules

5 rules · 4 warnings 1 info

SPECTRAL

Klarna API Rules

12 rules · 10 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 30

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Klarna Captures Api Phrasing Overlay

8 actions · phrasing · klarna-captures-api-openapi.yml

GENERATED

Klarna Captures Overlay

3 actions · update · klarna-captures-api-openapi.yml

GENERATED

Klarna Checkout Api Phrasing Overlay

5 actions · phrasing · klarna-checkout-api-openapi.yml

GENERATED

Klarna Checkout Overlay

3 actions · update · klarna-checkout-api-openapi.yml

GENERATED

Klarna Customer Token Api Phrasing Overlay

4 actions · phrasing · klarna-customer-token-api-openapi.yml

GENERATED

Klarna Customer Token Overlay

3 actions · update · klarna-customer-token-api-openapi.yml

GENERATED

Klarna Hpp Api Phrasing Overlay

5 actions · phrasing · klarna-hpp-api-openapi.yml

GENERATED

Klarna Hpp Overlay

3 actions · update · klarna-hpp-api-openapi.yml

GENERATED

Klarna Merchant Card Api Phrasing Overlay

8 actions · phrasing · klarna-merchant-card-api-openapi.yml

GENERATED

Klarna Merchant Urls Address Update Api Phrasing Overlay

2 actions · phrasing · klarna-merchant-urls-address-update-api-openapi.yml

GENERATED

Klarna Merchant Urls Address Update Overlay

2 actions · update · klarna-merchant-urls-address-update-api-openapi.yml

GENERATED

Klarna Merchant Urls Country Change Api Phrasing Overlay

2 actions · phrasing · klarna-merchant-urls-country-change-api-openapi.yml

GENERATED

Klarna Merchant Urls Country Change Overlay

2 actions · update · klarna-merchant-urls-country-change-api-openapi.yml

GENERATED

Klarna Merchant Urls Shipping Option Update Api Phrasing Overlay

2 actions · phrasing · klarna-merchant-urls-shipping-option-update-api-openapi.yml

GENERATED

Klarna Merchant Urls Shipping Option Update Overlay

2 actions · update · klarna-merchant-urls-shipping-option-update-api-openapi.yml

GENERATED

Klarna Merchant Urls Validation Api Phrasing Overlay

2 actions · phrasing · klarna-merchant-urls-validation-api-openapi.yml

GENERATED

Klarna Merchant Urls Validation Overlay

2 actions · update · klarna-merchant-urls-validation-api-openapi.yml

GENERATED

Klarna Merchantcard Overlay

3 actions · update · klarna-merchantcard-api-openapi.yml

GENERATED

Klarna Orders Api Phrasing Overlay

10 actions · phrasing · klarna-orders-api-openapi.yml

GENERATED

Klarna Orders Overlay

3 actions · update · klarna-orders-api-openapi.yml

GENERATED

Klarna Payments Api Phrasing Overlay

7 actions · phrasing · klarna-payments-api-openapi.yml

GENERATED

Klarna Payments Overlay

3 actions · update · klarna-payments-api-openapi.yml

GENERATED

Klarna Payouts Api Phrasing Overlay

4 actions · phrasing · klarna-payouts-api-openapi.yml

GENERATED

Klarna Payouts Overlay

2 actions · update · klarna-payouts-api-openapi.yml

GENERATED

Klarna Refunds Api Phrasing Overlay

3 actions · phrasing · klarna-refunds-api-openapi.yml

GENERATED

Klarna Refunds Overlay

3 actions · update · klarna-refunds-api-openapi.yml

GENERATED

Klarna Reports Api Phrasing Overlay

5 actions · phrasing · klarna-reports-api-openapi.yml

GENERATED

Klarna Reports Overlay

2 actions · update · klarna-reports-api-openapi.yml

GENERATED

Klarna Transactions Api Phrasing Overlay

2 actions · phrasing · klarna-transactions-api-openapi.yml

GENERATED

Klarna Transactions Overlay

2 actions · update · klarna-transactions-api-openapi.yml

GENERATED

Scroll for all 30

JSON Schema 86

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

CaptureObject

6 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

create_order_request

18 properties

JSON SCHEMA

customer

2 properties

JSON SCHEMA

customer_token_creation_response

5 properties

JSON SCHEMA

customer_token_order

12 properties

JSON SCHEMA

customer_token

4 properties

JSON SCHEMA

customer_token_status_update_request

1 properties

JSON SCHEMA

CustomerV1

5 properties

JSON SCHEMA

DistributionRequestV1

3 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

ExtendDueDateOptions

2 properties

JSON SCHEMA

ExtendDueDateRequest

1 properties

JSON SCHEMA

InitialPaymentMethodDto

3 properties

JSON SCHEMA

Location

4 properties

JSON SCHEMA

MerchantOrderDto

26 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

order

35 properties

JSON SCHEMA

Pagination

5 properties

JSON SCHEMA

PayoutCollection

2 properties

JSON SCHEMA

Payout

8 properties

JSON SCHEMA

PayoutSummary

14 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

RefundObject

4 properties

JSON SCHEMA

Refund

7 properties

JSON SCHEMA

RefundObject

4 properties

JSON SCHEMA

SelectedShippingOptionDto

14 properties

JSON SCHEMA

session_create

24 properties

JSON SCHEMA

SessionCreationRequestV1

4 properties

JSON SCHEMA

SessionCreationResponseV1

8 properties

JSON SCHEMA

session_read

24 properties

JSON SCHEMA

SessionResponseV1

9 properties

JSON SCHEMA

session

24 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

shipping_service_response

10 properties

JSON SCHEMA

subscription

3 properties

JSON SCHEMA

Timeslot

5 properties

JSON SCHEMA

Totals

18 properties

JSON SCHEMA

TransactionCollection

2 properties

JSON SCHEMA

Transaction

27 properties

JSON SCHEMA

TransactionCollection

2 properties

JSON SCHEMA

Update authorization

3 properties

JSON SCHEMA

UpdateConsumer

1 properties

JSON SCHEMA

Update merchant references

2 properties

JSON SCHEMA

UpdateShippingInfo

1 properties

JSON SCHEMA

UpdateConsumer

1 properties

JSON SCHEMA

UpdateShippingInfo

1 properties

JSON SCHEMA

Scroll for all 86

Security Posture 3

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

Klarna Authentication

http/openIdConnect · 4 schemes

SECURITY

Klarna Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Klarna Vulnerability Disclosure

Hackerone

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Klarna Scopes

34 scopes · authorizationCode

34 scopes

SCOPES

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

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LlmsText

AgenticAccess

WellKnown

AgentSkill

Design & Contract 13

Pagination, idempotency, versioning, errors, and events

Spectral

Spectral

Spectral

JSONLD

Vocabulary

Conventions

Idempotency

ErrorCatalog

Lifecycle

Components

DataModel

Conformance

Webhooks

Scroll for all 13

Build 4

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 5

Authentication, authorization, and security posture

Security

Security

Authentication

Authentication

OAuthScopes

OAuthScopes

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 5

Status, limits, changes, and where to get help

Support

StatusPage

Deprecation

ChangeLog

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 4

Properties that don't map to a standard resource type

Hosts

Vendors

Overlay

CapabilityMap

Source (apis.yml)

aid: klarna
url: https://raw.githubusercontent.com/api-evangelist/klarna/refs/heads/main/apis.yml
name: Klarna
kind: company
description: Klarna Bank AB is a Swedish licensed bank and payments network serving 150M+ consumers and 600k+ merchants with
  buy-now-pay-later, financing, cards, banking and a shopping app. For developers Klarna publishes a merchant API estate covering
  payment sessions and authorization (Klarna Payments), hosted checkout (Klarna Checkout and the Hosted Payment Page), post-purchase
  order management (capture, refund, cancel, extend due date), customer tokens for recurring purchases, settlement payouts
  and transaction reporting, the Merchant Card Service, and a PSD2 XS2A open-banking API for licensed TPPs. Authentication
  is HTTP Basic with a Klarna-issued API key; Sign in with Klarna adds a full OAuth 2.0 / OpenID Connect consumer-identity
  surface. Klarna publishes rate limits, a six-month deprecation policy, public service-level objectives, a self-serve playground
  with market-specific sample data, and an llms.txt — but no fetchable OpenAPI, no server-side SDK in any language, and no
  MCP server.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
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
- Buy Now Pay Later
- Payments
- Cards
- Shopping
- Banking
- Checkout
- Order Management
- Settlement
- Open Banking
- PSD2
- Consumer Credit
- Sweden
- Agentic Commerce
- Consumer Finance
tags_raw:
- Fintech
- BNPL
- Payments
- Cards
- Shopping
- Banking
- Checkout
- Order Management
- Settlement
- Open Banking
- PSD2
- Consumer Credit
- Sweden
- Agentic Commerce
- Consumer Finance
created: '2026-05-08'
modified: '2026-08-27'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Spectral
  url: rules/klarna-rules.yml
- type: Spectral
  url: rules/klarna-jsonschema-spectral-rules.yml
- type: Spectral
  url: rules/klarna-asyncapi-spectral-rules.yml
- type: JSONLD
  url: json-ld/klarna-context.jsonld
- type: Vocabulary
  url: vocabulary/klarna-vocabulary.yml
- type: LLMsTxt
  url: llms/klarna-llms.txt
- type: Hosts
  url: hosts/klarna-hosts.yml
- type: IntegrationEdges
  url: integrations/klarna-integration-edges.yml
- type: Vendors
  url: vendors/klarna-vendors.yml
- type: Overlay
  url: overlays/klarna-merchantcard-overlay.yaml
- type: CapabilityMap
  url: capabilities/klarna-capability-edges.yml
  name: Klarna Business Capability Map
- type: Website
  url: https://www.klarna.com/
- type: DeveloperPortal
  url: https://docs.klarna.com/
- type: Documentation
  url: https://docs.klarna.com/
- type: APIReference
  url: https://docs.klarna.com/api/kn/introduction/
- type: GettingStarted
  url: https://docs.klarna.com/acquirer/klarna/resources/developer-tools/testing-payments/before-you-test/
- type: Support
  url: https://www.klarna.com/us/help/
- type: Blog
  url: https://www.klarna.com/international/press/category/blog/
- type: GitHubOrganization
  url: https://github.com/klarna
- type: LinkedIn
  url: https://www.linkedin.com/company/klarna
- type: Pricing
  url: https://x.klarnacdn.net/mepo/onboarding/pricing-annexes/pricing-annex-kp-CA-US-en-20230905.pdf
- type: SignUp
  url: https://portal.playground.klarna.com/
- type: Login
  url: https://portal.klarna.com/
- type: TermsOfService
  url: https://www.klarna.com/us/terms-of-use/
- type: PrivacyPolicy
  url: https://www.klarna.com/us/privacy-policy/
- type: StatusPage
  url: https://status.klarna.com/
- type: Deprecation
  url: https://docs.klarna.com/acquirer/klarna/resources/legal-and-compliance/policies-and-term-of-service/deprecation-policy/
- type: Security
  url: https://www.klarna.com/international/responsible-disclosure/
- type: LlmsText
  url: https://docs.klarna.com/llms.txt
- type: AgenticAccess
  url: agentic-access/klarna-agentic-access.yml
- type: Authentication
  url: authentication/klarna-authentication.yml
- type: OAuthScopes
  url: scopes/klarna-scopes.yml
- type: VulnerabilityDisclosure
  url: security/klarna-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/klarna-domain-security.yml
- type: Packages
  url: packages/klarna-packages.yml
- type: SDKs
  url: packages/klarna-packages.yml
- type: Conventions
  url: conventions/klarna-conventions.yml
- type: Idempotency
  url: conventions/klarna-conventions.yml
- type: ErrorCatalog
  url: errors/klarna-problem-types.yml
- type: Lifecycle
  url: lifecycle/klarna-lifecycle.yml
- type: ChangeLog
  url: changelog/klarna-changelog.yml
- type: Sandbox
  url: sandbox/klarna-sandbox.yml
- type: Components
  url: components/klarna-components.yml
- type: DataModel
  url: data-model/klarna-data-model.yml
- type: Conformance
  url: conformance/klarna-conformance.yml
- type: WellKnown
  url: well-known/klarna-well-known.yml
- type: Webhooks
  url: asyncapi/klarna-push-notifications-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Plans
  url: plans/klarna-plans-pricing.yml
- type: RateLimits
  url: rate-limits/klarna-rate-limits.yml
- type: FinOps
  url: finops/klarna-finops.yml
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
  - Buy Now Pay Later
  tags_raw:
  - Payments
  - BNPL
  properties:
  - type: Documentation
    url: https://docs.klarna.com/klarna-payments/
  aid: klarna:klarna-payments-api-2
- name: Klarna Checkout API
  description: Hosted Klarna Checkout (KCO), the checkout/v3 surface. Klarna divested the Klarna Checkout product and it now
    trades as Kustom; as of 2026-08-27 Klarna no longer publishes a dedicated Klarna Checkout reference on docs.klarna.com
    (https://docs.klarna.com/klarna-checkout/ returns 404) and lists Kustom among its acquiring partners instead. The checkout/v3
    OpenAPI in this repo remains served from api.klarna.com.
  humanURL: https://docs.klarna.com/
  baseURL: https://api.klarna.com
  tags:
  - Checkout
  - Hosted
  properties:
  - type: Documentation
    url: https://docs.klarna.com/
  aid: klarna:klarna-checkout-api-2
- name: Klarna Order Management API
  description: Capture, refund, cancel and update orders post-authorization.
  humanURL: https://docs.klarna.com/acquirer/klarna/after-payments/order-management/manage-orders-with-the-api/
  baseURL: https://api.klarna.com
  tags:
  - Order Management
  properties:
  - type: Documentation
    url: https://docs.klarna.com/acquirer/klarna/after-payments/order-management/manage-orders-with-the-api/
  aid: klarna:klarna-order-management-api
- name: Klarna Customer Token API
  description: Persist a payment authorization as a customer token for repeat purchases.
  humanURL: https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/tokenized-payments/customer-token/
  baseURL: https://api.klarna.com
  tags:
  - Tokens
  - Recurring
  properties:
  - type: Documentation
    url: https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/tokenized-payments/customer-token/
  aid: klarna:klarna-customer-token-api-2
- name: Klarna Settlements API
  description: Read merchant settlement reports and transactions.
  humanURL: https://docs.klarna.com/acquirer/klarna/after-payments/settlements/settlement-reporting-getting-started/
  baseURL: https://api.klarna.com
  tags:
  - Settlement
  - Reporting
  tags_raw:
  - Settlements
  - Reporting
  properties:
  - type: Documentation
    url: https://docs.klarna.com/acquirer/klarna/after-payments/settlements/settlement-reporting-getting-started/
  aid: klarna:klarna-settlements-api
- 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:
  - Webhook
  - Push Notifications
  - Callbacks
  - Event
  tags_raw:
  - 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/acquirer/klarna/after-payments/order-management/manage-orders-with-the-api/
  aid: klarna:klarna-push-notifications
- 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:
  - Capture
  tags_raw:
  - Captures
  properties:
  - type: OpenAPI
    url: openapi/klarna-captures-api-openapi.yml
  - type: Overlay
    url: overlays/klarna-captures-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-capture-schema.json
  - type: JSONSchema
    url: json-schema/klarna-capture-object-schema.json
  - type: JSONSchema
    url: json-schema/klarna-extend-due-date-options-schema.json
  - type: JSONSchema
    url: json-schema/klarna-update-shipping-info-schema.json
  - type: JSONSchema
    url: json-schema/klarna-extend-due-date-request-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-checkout-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-order-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-customer-token-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-customer-token-order-schema.json
  - type: JSONSchema
    url: json-schema/klarna-order-schema.json
  - type: JSONSchema
    url: json-schema/klarna-customer-token-schema.json
  - type: JSONSchema
    url: json-schema/klarna-customer-token-status-update-request-schema.json
- 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/hosted-payment-page/
  baseURL: https://api.klarna.com
  tags:
  - Hpp
  properties:
  - type: OpenAPI
    url: openapi/klarna-hpp-api-openapi.yml
  - type: Overlay
    url: overlays/klarna-hpp-overlay.yaml
  - type: Documentation
    url: https://docs.klarna.com/hosted-payment-page/
  - type: APIReference
    url: https://docs.klarna.com/acquirer/klarna/api/hpp-merchant/
  - type: JSONSchema
    url: json-schema/klarna-session-creation-response-v1-schema.json
  - type: JSONSchema
    url: json-schema/klarna-session-response-v1-schema.json
  - type: JSONSchema
    url: json-schema/klarna-session-creation-request-v1-schema.json
  - type: JSONSchema
    url: json-schema/klarna-distribution-request-v1-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-merchant-urls-address-update-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-shipping-service-response-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-merchant-urls-country-change-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-shipping-service-response-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-merchant-urls-shipping-option-update-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-shipping-service-response-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-merchant-urls-validation-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-order-schema.json
- 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:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/klarna-orders-api-openapi.yml
  - type: Overlay
    url: overlays/klarna-orders-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-merchant-order-dto-schema.json
  - type: JSONSchema
    url: json-schema/klarna-update-authorization-schema.json
  - type: JSONSchema
    url: json-schema/klarna-update-merchant-references-schema.json
  - type: JSONSchema
    url: json-schema/klarna-update-shipping-info-schema.json
  - type: JSONSchema
    url: json-schema/klarna-update-consumer-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-payments-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-session-create-schema.json
  - type: JSONSchema
    url: json-schema/klarna-session-read-schema.json
  - type: JSONSchema
    url: json-schema/klarna-session-schema.json
  - type: JSONSchema
    url: json-schema/klarna-create-order-request-schema.json
  - type: JSONSchema
    url: json-schema/klarna-order-schema.json
  - type: JSONSchema
    url: json-schema/klarna-customer-token-creation-response-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-payouts-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-payout-summary-schema.json
  - type: JSONSchema
    url: json-schema/klarna-payout-schema.json
  - type: JSONSchema
    url: json-schema/klarna-payout-collection-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-refunds-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-refund-schema.json
  - type: JSONSchema
    url: json-schema/klarna-refund-object-schema.json
- 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
  - type: Overlay
    url: overlays/klarna-reports-overlay.yaml
- 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:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/klarna-transactions-api-openapi.yml
  - type: Overlay
    url: overlays/klarna-transactions-overlay.yaml
  - type: JSONSchema
    url: json-schema/klarna-transaction-collection-schema.json
- name: Klarna Agentic Product Protocol (KAPP) API
  description: Klarna's agent-facing product protocol, exposing product and commerce data for AI agents to query. Registered
    2026-09-04 from the same declined submission.
  humanURL: https://docs.klarna.com/klarna-search/klarna-agentic-product-protocol/
  baseURL: https://api.klarna.com
  tags:
  - Agentic Commerce
  - AI Agents
  properties:
  - type: Documentation
    url: https://docs.klarna.com/klarna-search/klarna-agentic-product-protocol/
  aid: klarna:klarna-agentic-product-protocol-kapp-api
- aid: klarna:klarna-merchant-card-api
  name: Klarna Merchant Card API
  description: The Merchant Card API from Klarna — 6 operation(s) for merchant card.
  humanURL: https://docs.klarna.com/klarna-payments/
  baseURL: https://api.klarna.com
  tags:
  - Merchant Card
  properties:
  - type: OpenAPI
    url: openapi/klarna-merchant-card-api-openapi.yml
  - type: JSONSchema
    url: json-schema/klarna-cancel-order-request-status-schema.json
  - type: JSONSchema
    url: json-schema/klarna-settlement-response-schema.json
  - type: JSONSchema
    url: json-schema/klarna-promise-response-schema.json
  - type: JSONSchema
    url: json-schema/klarna-settlement-request-schema.json
  - type: JSONSchema
    url: json-schema/klarna-cancel-order-request-status-pending-schema.json
  - type: JSONSchema
    url: json-schema/klarna-promise-request-schema.json
x-enrichment:
  date: '2026-10-12'
  status: enriched
  artifacts_added: 3
  pass: local-v5

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