Klarna
Klarna Bank AB is a Swedish licensed bank and payments network serving 150M+ consumers and 600k+ merchants with buy-now-pay-later, financing, cards, banking and a shopping app. For developers Klarna publishes a merchant API estate covering payment sessions and authorization (Klarna Payments), hosted checkout (Klarna Checkout and the Hosted Payment Page), post-purchase order management (capture, refund, cancel, extend due date), customer tokens for recurring purchases, settlement payouts and transaction reporting, the Merchant Card Service, and a PSD2 XS2A open-banking API for licensed TPPs. Authentication is HTTP Basic with a Klarna-issued API key; Sign in with Klarna adds a full OAuth 2.0 / OpenID Connect consumer-identity surface. Klarna publishes rate limits, a six-month deprecation policy, public service-level objectives, a self-serve playground with market-specific sample data, and an llms.txt — but no fetchable OpenAPI, no server-side SDK in any language, and no MCP server.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Klarna the way a machine reads it — 116 machine-readable artifacts across 6 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Klarna scores 76.3/100 (exemplar), with a separate agent-readiness read of 47/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile Klarna
Each block below is one kind of artifact we hold for Klarna. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 22
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Klarna Payments API
Create and authorize Klarna payment sessions; create orders against authorizations.
Klarna Checkout API
Hosted Klarna Checkout (KCO), the checkout/v3 surface. Klarna divested the Klarna Checkout product and it now trades as Kustom; as of 2026-08-27 Klarna no longer publishes a ded...
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.
Klarna Agentic Product Protocol (KAPP) API
Klarna's agent-facing product protocol, exposing product and commerce data for AI agents to query. Registered 2026-09-04 from the same declined submission.
Scroll within the panel for all 22 ·
Open Collections 20
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONKlarna HPP
OPEN COLLECTIONKlarna HPP Captures API
OPEN COLLECTIONKlarna HPP Captures Checkout API
OPEN COLLECTIONKlarna HPP Captures Customer Token API
OPEN COLLECTIONKlarna Captures Hpp API
OPEN COLLECTIONKlarna HPP Captures Merchant Urls.address Update API
OPEN COLLECTIONKlarna HPP Captures Merchant Urls.country Change API
OPEN COLLECTIONKlarna HPP Captures Merchant Urls.shipping Option Update API
OPEN COLLECTIONKlarna HPP Captures Merchant Urls.validation API
OPEN COLLECTIONKlarna HPP Captures Merchantcard API
OPEN COLLECTIONKlarna HPP Captures Orders API
OPEN COLLECTIONKlarna HPP Captures Payments API
OPEN COLLECTIONKlarna HPP Captures Payouts API
OPEN COLLECTIONKlarna HPP Captures Refunds API
OPEN COLLECTIONKlarna HPP Captures Reports API
OPEN COLLECTIONKlarna Settlements API
OPEN COLLECTIONKlarna HPP Captures Transactions API
OPEN COLLECTIONKlarna Merchant Card Service API
OPEN COLLECTIONKlarna Order Management API
OPEN COLLECTIONScroll within the panel for all 20 ·
GraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Klarna GraphQL Schema
> **NOT PUBLISHED BY KLARNA.** Verified 2026-08-27: Klarna ships no GraphQL API. There is no
GRAPHQLPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Klarna Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Klarna Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Klarna Finops
FINOPSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Klarna Push Notifications
AsyncAPI 2.6 description of Klarna's outbound HTTP push surface — the set of server-to-server callbacks that Klarna issues to merchant-hosted endpoints when payment, checkout, a...
ASYNCAPISpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Klarna API Rules
SPECTRALKlarna API Rules
SPECTRALJSON Schema 62
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
Addon
JSON SCHEMAAddress
JSON SCHEMABackgroundImageV1
JSON SCHEMACancel not allowed error message
JSON SCHEMAcancel_order_request_status_cancelled
JSON SCHEMAcancel_order_request_status_no_request_found
JSON SCHEMAcancel_order_request_status_pending
JSON SCHEMAcancel_order_request_status
JSON SCHEMACapture not allowed error message
JSON SCHEMACapture
JSON SCHEMACaptureObject
JSON SCHEMAcard
JSON SCHEMAcard_specification
JSON SCHEMACarrierProduct
JSON SCHEMAcustomer
JSON SCHEMACustomerV1
JSON SCHEMADistributionContactV1
JSON SCHEMADistributionModuleV1
JSON SCHEMADistributionRequestV1
JSON SCHEMAErrorMessageDto
JSON SCHEMAErrorResponse
JSON SCHEMAExtendDueDateOptions
JSON SCHEMAExtendDueDateRequest
JSON SCHEMAInitialPaymentMethodDto
JSON SCHEMALocation
JSON SCHEMAMerchantManualIdentificationV1
JSON SCHEMAMerchantOrderDto
JSON SCHEMAMerchantUrlsV1
JSON SCHEMANo such capture error message
JSON SCHEMANo such order error message
JSON SCHEMANot allowed error message
JSON SCHEMANot found error message
JSON SCHEMAOptionDto
JSON SCHEMAOptionsV1
JSON SCHEMAorder_line
JSON SCHEMAPagination
JSON SCHEMAPayout
JSON SCHEMAPayoutCollection
JSON SCHEMAPayoutSummary
JSON SCHEMAProductIdentifiers
JSON SCHEMApromise_created_response
JSON SCHEMApromise_request
JSON SCHEMApromise_response
JSON SCHEMARefund not allowed error message
JSON SCHEMARefund
JSON SCHEMARefundObject
JSON SCHEMASelectedShippingOptionDto
JSON SCHEMASessionCreationRequestV1
JSON SCHEMASessionCreationResponseV1
JSON SCHEMASessionResponseV1
JSON SCHEMAsettlement_request
JSON SCHEMAsettlement_response
JSON SCHEMAshipping_info
JSON SCHEMAsubscription
JSON SCHEMATimeslot
JSON SCHEMATotals
JSON SCHEMATransaction
JSON SCHEMATransactionCollection
JSON SCHEMAUpdate authorization
JSON SCHEMAUpdate merchant references
JSON SCHEMAUpdateConsumer
JSON SCHEMAUpdateShippingInfo
JSON SCHEMAScroll within the panel for all 62 ·
Security Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Klarna — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/klarna · machine-readable index on apis.io
This is an independent, third-party profile of Klarna, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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