Integrating with Klarna Payments

Carl-Petter BertellSeptember 19, 2019

Klarna?

Millennials don’t like credit cards because they’re afraid of getting into debt. They want to be in control of how they manage payments. Klarna showed up on the market and provided us with an alternative to financing without paying everything up front and they’ve been expanding fast.

Klarna Example Integration & Demo

We’ve been creating a lot of various integrations towards Klarna APIs lately so I thought I’d do a small write up on how to do a simple in-store payment solution which allows you to shop and pay with your phone, selecting to pay later, whilst the store (aka the merchant) receives payment immediately.

Off we go!

The Concept

Imagine Makers’ Den opened a shoe store, selling only the very best shoes. Inside the store we have a promotion for paying with Klarna through a custom app which makes the shopping experience largely self-service, and will allow the customer to choose how to finance her shopping.

Prologue: The customer discovers our app

Klarna concept 1

1. Customer scans items, adding them to shopping cart

Klarna concept 2

2. Customer starts payment flow

Klarna concept 3

Klarna concept 4

3. Salesperson verifies purchase

Klarna concept 5

Technical details

For the nitty gritty on how the Klarna APIs work please refer to Klarna’s official docs. We are using the Klarna Payments API. It is the most flexible api and thus allows us to implement the most custom payment scenarios.

The parts produced for this demo is a simple React frontend and a few cloud functions.

A React frontend with two pages:

  • One for the customer to scan barcodes, manage the shopping cart and pay using Klarna.
  • One for the salesperson to verify a customer's purchase.

Cloud functions implementing the following:

Sequence diagrams

Show me the money!

All the sources are found in a single repository here:
https://github.com/kallebertell/makersden-klarna-instore

To try the demo head here:
https://makersden-klarna-instore.netlify.com/

Or scan this QR code:

Lowering the bar for receiving payments makes all the difference.

Whilst this was a hypothetical in-store solution, you could basically use bits and pieces of this solution for any e-commerce site, or paying for lemonade at a lemonade stand. Lowering the bar for receiving payments makes all the difference. Whether or not someone has cash on hand right now - you want your payments to be smooth.