Klarna payment integration for ecommerce

Capture timing is a business policy decision. If you ship same-day or next-day, immediate capture on order confirmation makes sense. If you wait for pick and pack, you capture after despatch notification arrives from your WMS. iWeb helps you define this rule and implement it consistently; Klarna authorization holds usually support a 5-7 day window, which suits most fulfillment SLAs.

If the hold expires, capture will fail and the order is stuck in an unshipped, unpaid state. iWeb monitors hold expiry and alerts operations to capture before the deadline. We also implement a fallback: if capture fails due to expired hold, the order is flagged for customer contact and manual payment recovery.

Klarna supports split or partial captures if the initial authorization is large enough. However, this requires careful tracking: you must send each partial capture request with the correct amount and order reference. iWeb can map your multi-shipment orders to Klarna's partial capture API, but it adds complexity; confirm with Klarna that your order pattern is supported before committing.

When you refund, Klarna adjusts the customer's payment plan (reducing future instalments or crediting a balance). The customer sees the refund in their Klarna app. iWeb maps your ERP credit-note event to a Klarna refund API call and ensures the amounts reconcile. If the refund fails, we flag it so you can retry or contact Klarna support.

Klarna batches settlements daily or twice-daily and provides a settlement report via API or SFTP. The report lists all captures, refunds, fees and net amount due. Your bank receives the net amount on the settlement date (usually 1-2 days after the batch). iWeb loads the settlement file into your ERP and matches it to invoices so finance can reconcile.

If Klarna API is unavailable, commerce cannot authorize or capture Klarna payments. iWeb can configure commerce to fall back to card-only checkout temporarily. In-flight orders waiting for capture are held in a queue and retried once Klarna returns. This prevents data loss but requires monitoring.

Klarna notifies us of chargebacks via API or email. iWeb routes these notifications to your customer service and order teams so they can investigate and provide evidence to Klarna before the dispute deadline. The notification includes the order reference, charge amount and dispute reason.

Yes. Klarna operates in multiple regions (EU, US, etc.) and each region has different rules around fraud, 3DS and payment plan types. iWeb designs the integration to respect regional configuration: different payment methods, authorization windows and refund policies by region. You manage region-specific settings in Klarna's merchant portal; we read them and apply them in commerce.

Klarna settlement reports include all adjustments (refunds, chargebacks, fees). iWeb loads these into ERP and matches them to the original invoices. If a transaction is disputed, the settlement report shows a reduced or reversed amount. Your finance team sees the net position and can reconcile it to the bank deposit.

Klarna requires shopper name, email, billing and delivery address, order total and currency. Some regions also require phone number or ID verification. Commerce sends this at checkout; Klarna runs risk checks and returns approval or decline. iWeb ensures this data is clean and formatted correctly before transmission.

iWeb instruments all Klarna API calls and settlement batches, exposing metrics such as authorization success rate, average capture time, refund success rate and settlement lag. You can see these on a dashboard and set alerts if any metric degrades. This helps you spot Klarna issues, regional problems or operational bottlenecks before customers are affected.

Klarna typically only refunds up to the original authorization amount. If you want to compensate a customer above that, you would issue a separate payment (credit card, store credit, or manual bank transfer). iWeb can help design this flow, but confirm with Klarna that over-refunds are not supported.

In regions where 3DS is mandatory (e.g., EU), Klarna's API may return a requirement for the shopper to authenticate. Commerce must redirect the shopper to Klarna's SCA page and then poll for confirmation. iWeb implements this flow transparently so the shopper is not bounced out of your checkout.

Yes. Klarna authorization requests return an order ID or session token. If the connection drops before the response is fully received, you can query Klarna's API with that token to check whether the authorization succeeded. iWeb builds this recovery logic so no authorization is lost silently.