How to Set up Klarna

Klarna is one of the most popular “Buy Now, Pay Later” payment methods in the world.

As part of a global update to Klarna’s infrastructure across most e-commerce platforms, the direct connection model has evolved. In order to offer a more robust, secure, and centralized payment processing experience, Klarna now integrates with Jumpseller exclusively through Stripe (acting as a Payment Service Provider - PSP).

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Prerequisites

• Active Store: Have an active store on Jumpseller.
• Verified Stripe Account: Have a verified Stripe account connected to your store.
• Eligible Country: Ensure your Stripe account is located in an eligible country to process Klarna:
  • Australia, Austria, Belgium, Canada, Czechia, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Spain, Sweden, Switzerland, UK, US.

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Step-by-Step Step Guide

Step 1: Activate Klarna in your Stripe Dashboard

First, you must let Stripe know that you are authorized to process payments through Klarna:

1. Log in to your Stripe Dashboard.
2. Go to Settings (gear icon in the top right corner) > Payment methods.
3. Look for the “Buy Now, Pay Later” section or type Klarna in the search bar.
4. Click “Turn On”. (Approval is usually immediate for most business accounts).

Step 2: Enable Klarna in your Jumpseller Panel

Once active in Stripe, you must enable the option in your Jumpseller store so the system displays the alternative during checkout:

1. Log in to your Jumpseller Admin Panel.
2. Go to Settings > Payments and click on Stripe to edit its configuration.
3. Scroll down to the “Payment method types” section.
4. Look for Klarna in the list of options and check the box next to its name.
5. Click Save to apply the changes to your store.

Remember: Make sure that the payment methods selected in this list exactly match those approved and active in your Stripe account; otherwise, the gateway may encounter errors when processing payments.

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On-Site Messaging (OSM) & Widgets

If you want to display Klarna’s promotional widgets (e.g., “Pay in 3 interest-free installments of…“) on your product pages or cart, do not use Klarna’s native OSM code.

Since the integration runs entirely through Stripe, you must use Stripe PMME (Payment Method Messaging Element). This is Stripe’s official version of On-Site Messaging, fully approved by Klarna, which automatically syncs with your Stripe account terms.

• For deeper technical details on how this ecosystem interacts, you can review the Official Stripe-Klarna Ecosystem Documentation.

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Important Considerations (FAQ)

• How do customers see Klarna’s payment options? Depending on the buyer’s country and the cart amount, Klarna will dynamically offer options such as Pay in 3 interest-free installments, Pay in 30 days, or Financing. As a merchant, you do not need to pre-select these options; Klarna automatically determines the best offer.

• When do I receive the money from purchases made with Klarna? Even though the customer pays in installments, Stripe deposits the full amount of the purchase into your account immediately (minus Stripe’s fee), protecting you against risks of non-payment or fraud.

• Currency Compatibility: For Klarna to appear available on the payment screen, the transaction currency configured in your Jumpseller must match the markets supported by Klarna on Stripe. You can check the complete list in the Official Stripe-Klarna Ecosystem Documentation.

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If you have other theme in your store or if face any difficulty in doing so, don’t hesitate to contact our support team for assistance.