# Klarna

**Canonical:** https://apis.io/providers/klarna/  
**Website:** https://www.klarna.com/  
**APIs profiled:** 21

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.

## Kin Score — 29.6 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 29.6).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 62.6 |
| Governance | 11.4 |
| Contract Governance | 11.4 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Payments**: 28.1 (matched via tags).

## Agent readiness — 49.9 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high).

## APIs (21)

- **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.

## Agentic access (1)

- **Klarna Agentic Access** — 37 operations · 19 acting · 1 human-in-the-loop

## Security (3)

- **Klarna Authentication** — http · 1 scheme
- **Klarna Domain Security** — TLSv1.3 · HSTS · DMARC
- **Klarna Vulnerability Disclosure** — Hackerone

## Plans (1)

- **Klarna Plans Pricing**

## Tags

Fintech, BNPL, Payments, Cards, Shopping

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/klarna/). Scores are computed from the provider's own public artifacts under a published rubric.