{
 "categories": [
  "payments",
  "fintech"
 ],
 "deployment": "saas",
 "evidence": [
  {
   "date": "2026-09-25",
   "fact": "homepage",
   "note": "Klarna's payments docs are published on docs.klarna.com. The public product site is https://www.klarna.com/.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "license",
   "note": "The guide is for a merchant integrating Klarna payments with merchant API credentials. It is a commercial payments product.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "deployment",
   "note": "Sessions are created with HTTPS POST to the Klarna {apiURL} host.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "platforms",
   "note": "The create-session response returns a client_token for the JavaScript SDK that launches the Klarna widget in a web checkout.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.api.exists",
   "note": "Klarna documents POST {apiURL}/payments/v1/sessions to open a payment session.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.api.kinds[0]",
   "note": "The session call is an HTTPS POST with a JSON body.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.api.auth[0]",
   "note": "Klarna payments API uses HTTP Basic authentication with a merchant ID username and password.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.api.coverage",
   "note": "Creating the order still requires an authorization token from the shopper flow, so the API does not cover the whole payment by itself.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-3-create-an-order.md",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.api.docs",
   "note": "Opened as the current session and authentication guide.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.sdk.exists",
   "note": "The session response includes a client_token passed to the JavaScript SDK or the mobile SDK.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.sdk.languages[0]",
   "note": "The guide names the JavaScript SDK as the web widget client. Mobile SDK language names were not copied into this record.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.sdk.official",
   "note": "The JavaScript SDK is documented in Klarna's own payments guide.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.data_access.export[0]",
   "note": "The session success and error responses are JSON.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "modalities.data_access.import[0]",
   "note": "The one-time order call posts a JSON body with purchase country, currency, addresses, and order lines.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-3-create-an-order.md",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "verdict.scores.api",
   "note": "Documented session API with HTTP Basic auth, plus a separate order call that needs a shopper authorization token. Score 7.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "freshness.watch[0].url",
   "note": "Opened as the current Klarna payments session guide, including HTTP Basic authentication.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "freshness.watch[1].url",
   "note": "Opened as the current one-time order guide. The order endpoint is POST {apiUrl}/payments/v1/authorizations/{authorizationToken}/order.",
   "source": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-3-create-an-order.md",
   "tier": "declared"
  },
  {
   "date": "2026-09-25",
   "fact": "freshness.watch[2].url",
   "note": "Opened as the order management options page. It says order management uses the same HTTP Basic merchant credentials.",
   "source": "https://docs.klarna.com/acquirer/klarna/after-payments/order-management/integration-options/",
   "tier": "declared"
  }
 ],
 "freshness": {
  "last_verified": "2026-09-25",
  "volatility": "medium",
  "watch": [
   {
    "type": "docs",
    "url": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/"
   },
   {
    "type": "docs",
    "url": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-3-create-an-order.md"
   },
   {
    "type": "docs",
    "url": "https://docs.klarna.com/acquirer/klarna/after-payments/order-management/integration-options/"
   }
  ]
 },
 "homepage": "https://www.klarna.com/",
 "id": "klarna",
 "license": "commercial",
 "modalities": {
  "agent_docs": {
   "llms_txt": "unknown"
  },
  "api": {
   "auth": [
    "http-basic"
   ],
   "coverage": "partial",
   "docs": "https://docs.klarna.com/acquirer/klarna/web-payments/integrate-with-klarna-payments/integrate-via-sdk/step-1-initiate-a-payment/",
   "exists": true,
   "kinds": [
    "rest"
   ]
  },
  "cli": {
   "exists": "unknown"
  },
  "computer_use": {
   "issues": [],
   "viability": "unknown"
  },
  "data_access": {
   "export": [
    "json"
   ],
   "import": [
    "json"
   ]
  },
  "extensibility": {
   "scripting": [],
   "webhooks": "unknown"
  },
  "integrations": {
   "make": "unknown",
   "n8n": "unknown",
   "power_automate": "unknown",
   "zapier": "unknown"
  },
  "mcp": {
   "first_party": "unknown",
   "third_party": [],
   "verdict": "unknown"
  },
  "rpa": {
   "drivability": "unknown",
   "notes": "No repeatable UI probe was run. Klarna documents a merchant payments API. The shopper still authorizes in the Klarna widget.\n",
   "ui_stack": [
    "web-dom"
   ],
   "vendor_support": []
  },
  "sdk": {
   "exists": true,
   "languages": [
    "javascript"
   ],
   "official": true
  }
 },
 "name": "Klarna Payments",
 "platforms": [
  "web"
 ],
 "related": {
  "alternatives": [
   "adyen",
   "stripe",
   "vipps-mobilepay",
   "mollie"
  ],
  "our_products": []
 },
 "schema_version": 1,
 "score_version": 1,
 "status": "active",
 "vendor": "Klarna",
 "verdict": {
  "best_path": "api",
  "scores": {
   "api": 7,
   "cli": null,
   "computer_use": null,
   "integrations": null,
   "mcp": null,
   "overall": 7,
   "rpa": null
  },
  "summary": "Klarna Payments is automatable today through the merchant payments API, up to the shopper authorization step. This record is Klarna Payments for merchants. It is not Adyen, Stripe, Mollie, or Vipps MobilePay, and it is not the Klarna consumer app. A merchant opens a session with POST {apiURL}/payments/v1/sessions. Authentication is HTTP Basic with a username linked to the merchant ID and a password. Required session fields include purchase_country, purchase_currency, order_amount, and order_lines. Intent values distinguish a one-time buy from recurring tokenization. A session stays open for 48 hours or until an order is placed. The success response returns session_id and a client_token for the JavaScript SDK or the mobile SDK. One-time orders are POST {apiUrl}/payments/v1/authorizations/{authorizationToken}/order. Recurring orders start from a customer token. The shopper authorization that produces the token happens in the Klarna widget, so an agent cannot finish that step from the API alone. Order management after the purchase is a separate API using the same HTTP Basic credentials. A first-party MCP server was not established. Connector catalogs were not opened. A Klarna CLI was not established. Computer-use viability is unassessed. API scores 7 because the session and order calls are documented and authenticated, while the shopper step and the partial product boundary keep it below a broader payments platform.\n"
 }
}