Klarna - Pay Now

Prerequisites

Before you begin, ensure you have:

• An active Klarna merchant account with Pay Now enabled.
• API credentials from your Klarna Merchant Portal:
  • Username
  • Password
  • Merchant ID
  • API URL (separate credentials for sandbox and production)
• Access to Klarna test accounts (helpful for sandbox testing).

Capture Types

• Instant capture – The payment is captured immediately when the order is placed.

⚠️ Note: Klarna Pay Now usually defaults to instant capture.

Possible Restrictions

You may configure restrictions for Klarna Pay Now, such as:

• Minimum / maximum basket value
• Minimum customer age
• Availability only in selected countries

Optional Configurations

• Enable Pay Now only for specific checkout flows (e.g., express checkout).
• Combine Klarna with gift cards or vouchers.
• Use Klarna Pay Now as the default/preselected payment option.

Payment Operations Supported

• Authorization
• Capture
• Cancellation
• Refund

Configuration of the Payment Method

The setup and configuration of Klarna Pay Now in the SCAYLE Panel will be handled by your SCAYLE Account Manager.