Klarna

Introduction

Klarna Logo

Klarna Invoice and Klarna Installments are online payment methods offering guaranteed payments using the corresponding product provided by Klarna. It removes the risk to the merchant that the consumer does not pay. It only requires "top of mind" information for the consumer to shop, for Scandinavian countries the social security number, address, phone number and email address. Also basket items must be specified. Klarna takes over the risk of payment default thus the payment is guaranteed for the merchant.

Only physical persons are supported as consumers.
  • Klarna guaranteed invoice allows the consumer to pay by invoice first after the goods were delivered. It also makes possible for the consumer to shop even if the consumer’s bank account is empty for the moment since the consumer has at least 14 days in which to pay. This payment method is available for the following countries: Germany, Netherlands, Austria, Sweden, Norway, Finland and Denmark.

  • Klarna guaranteed installments allows the consumer to pay by installments first after the goods were delivered. It also makes possible for the consumer to shop even if the consumer’s bank account is empty for the moment since the consumer can pay by installments using available installment plans. This payment method is available for the following countries: Germany, Sweden, Norway, Finland and Denmark.

The payment flows of Klarna guaranteed Invoice, Klarna guaranteed installments are similar and can include following transactions: authorization, adjust-authorization, capture-authorization, void-authorization, refund-capture (incl. additional fees and goodwill refunds) and authorization-renewal for prolongation of the authorization expiration date. For further information please read the description of the transaction types.

General Information

Payment Mode, Countries and Currencies

This table illustrates which payment mode Klarna Invoice and Klarna Installments belong to. It also provides detailed information about the countries and currencies which are relevant for Klarna Invoice and Klarna Installments.

Payment Mode, Countries and Currencies of Klarna

Payment Mode

Offline Bank Transfer

Countries

DE, AT, NL, SE, NO, DK, FI

Currencies

EUR, SEK, DKK, NOK

Communication Formats

This table illustrates how Klarna Invoice and Klarna Installments notifications are encoded and which formats and methods can be used for requests and responses.

Requests/Responses

Format

XML, JSON

Methods

POST, GET

IPN Encodement

Base64

Transaction Types

For transaction type details which are not given here, look at Appendix B: Transaction Types.

Transaction Type Description Link to the sample

authorization

Performs a risk check of the order and order reservation. An order reservation guarantees also the payment once activated.

authorization samples

adjust-authorization

Updates an order which has been already reserved but not activated yet.

adjust-authorization samples

authorization-renewal

Extends the reservation period for an order which has been already reserved but not activated yet.

authorization-renewal samples

void-authorization

Cancels an reserved and not yet activated order. No further operations on the order are possible after cancellation.

void-authorization samples

capture-authorization

Full or partial activation of an reserved order. Once reserved the invoice is generated and sent to the end consumer. The order amount will be paid out to the merchant according to the agreed billing period.

capture-authorization samples

refund-capture

Full or partial refund for an activated order with additional fees optionally.

refund-capture samples

Test Credentials

URLs (Endpoints) https://api-test.wirecard.com/engine/rest/paymentmethods/

Merchant Account ID

8ea482bc-796c-42b4-a698-9a2db4b2edef

Username

16390-testing

Password

3!3013=D3fD8X7

Secret Key

11cbbbf6-93fa-4514-a9a5-359385607041

Acceptance Checks

Every shop integration needs to pass a special set of acceptance checks on the Wirecard test environment before going live. Merchant Support provides the description of the tests to be executed to the merchant by email. Once the test results are verified and confirmed that they are passed successfully the merchant will receive access credentials for the production environment and can proceed with the integration.

The following test data needs to be used for the acceptance tests in order to trigger specific behavior.

For DE
Acceptance Checks Fields for Germany
WPG Field Approved Denied Pending Approved Pending Denied

payment/account-holder/gender

m

m

m

m

payment/account-holder/date-of-birth

1960-07-07

1960-07-07

1960-07-07

1960-07-07

payment/account-holder/first-name

Testperson-de

Testperson-de

Testperson-de

Testperson-de

payment/account-holder/last-name

Approved

Denied

Approved

Denied

payment/account-holder/address/street1

Hellersbergstraße

Hellersbergstraße

Hellersbergstraße

Hellersbergstraße

payment/account-holder/address/street2

14

14

14

14

payment/account-holder/address/postal-code

41460

41460

41460

41460

payment/account-holder/address/city

Neuss

Neuss

Neuss

Neuss

payment/account-holder/phone

01522113356

01522113356

01522113356

01522113356

payment/account-holder/email

your@email.com

your@email.com

pending_accepted@klarna.com

pending_denied@klarna.com

For AT
Acceptance Checks Fields for Austria
WPG Field Approved Denied Pending Approved Pending Denied

payment/account-holder/gender

m

f

m

f

payment/account-holder/date-of-birth

1960-04-14

1980-04-14

1960-04-14

1980-04-14

payment/account-holder/first-name

Testperson-at

Testperson-at

Testperson-at

Testperson-at

payment/account-holder/last-name

Approved

Denied

Approved

Denied

payment/account-holder/address/street1

Klarna-Straße 1/2/3

Klarna-Straße 1/2/3

Klarna-Straße 1/2/3

Klarna-Straße 1/2/3

payment/account-holder/address/street2

payment/account-holder/address/postal-code

8071

8070

8071

8070

payment/account-holder/address/city

Hausmannstätten

Hausmannstätten

Hausmannstätten

Hausmannstätten

payment/account-holder/phone

0676 2600000

0676 2600000

0676 2600000

0676 2600000

payment/account-holder/email

your@email.com

your@email.com

pending_accepted@klarna.com

pending_denied@klarna.com

For DK
Acceptance Checks Fields for Denmark
WPG Field Approved Denied Pending Approved Pending Denied

payment/account-holder/social-security-number

0801363945

0801373501

0801363945

0801373501

payment/account-holder/date-of-birth

1960-07-07

1960-07-07

1960-07-07

1960-07-07

payment/account-holder/first-name

Testperson-dk

Testperson-dk

Testperson-dk

Testperson-dk

payment/account-holder/last-name

Approved

Denied

Approved

Denied

payment/account-holder/address/street1

Sæffleberggate 56,1 mf

Sæffleberggate 56,1 mf

Sæffleberggate 56,1 mf

Sæffleberggate 56,1 mf

payment/account-holder/address/postal-code

6800

6800

6800

6800

payment/account-holder/address/city

Varde

Varde

Varde

Varde

payment/account-holder/phone

20 123 456

20 123 456

20 123 456

20 123 456

payment/account-holder/email

your@email.com

your@email.com

pending_accepted@klarna.com

pending_denied@klarna.com

For FI
Acceptance Checks Fields for Finland
WPG Field Approved Denied Pending Approved Pending Denied

payment/account-holder/social-security-number

190122-829F

190122-333F

190122-829F

190122-333F

payment/account-holder/first-name

Testperson-fi

Testperson-fi

Testperson-fi

Testperson-fi

payment/account-holder/last-name

Approved

Denied

Approved

Denied

payment/account-holder/address/street1

Kiväärikatu 10

Kiväärikatu 10

Kiväärikatu 10

Kiväärikatu 10

payment/account-holder/address/postal-code

28100

28100

28100

28100

payment/account-holder/address/city

Pori

Pori

Pori

Pori

payment/account-holder/phone

0401234567

0401234567

0401234567

0401234567

payment/account-holder/email

your@email.com

your@email.com

pending_accepted@klarna.com

pending_denied@klarna.com

For NL
Acceptance Checks Fields for the Netherlands
WPG Field Approved Denied Pending Approved Pending Denied

payment/account-holder/gender

m

m

m

m

payment/account-holder/date-of-birth

1970-07-10

1970-07-10

1970-07-10

1970-07-10

payment/account-holder/first-name

Testperson-nl

Testperson-nl

Testperson-nl

Testperson-nl

payment/account-holder/last-name

Approved

Denied

Approved

Denied

payment/account-holder/address/street1

Neherkade

Neherkade

Neherkade

Neherkade

payment/account-holder/address/street2

1

1

1

1

payment/account-holder/house-extension

XI

XI

XI

XI

payment/account-holder/address/postal-code

2521VA

2521VA

2521VA

2521VA

payment/account-holder/address/city

Gravenhage

Gravenhage

Gravenhage

Gravenhage

payment/account-holder/phone

0612345678

0612345678

0612345678

0612345678

payment/account-holder/email

your@email.com

your@email.com

pending_accepted@klarna.com

pending_denied@klarna.com

For NO
Acceptance Checks Fields for Norway
WPG Field Approved Denied Pending Approved Pending Denied

payment/account-holder/social-security-number

01087000571

01087000148

01087000571

01087000148

payment/account-holder/first-name

Testperson-no

Testperson-no

Testperson-no

Testperson-no

payment/account-holder/last-name

Approved

Denied

Approved

Denied

payment/account-holder/address/street1

Sæffleberggate 56

Sæffleberggate 56

Sæffleberggate 56

Sæffleberggate 56

payment/account-holder/address/postal-code

0563

0563

0563

0563

payment/account-holder/address/city

Oslo

Oslo

Oslo

Oslo

payment/account-holder/phone

40 123 456

40 123 456

40 123 456

40 123 456

payment/account-holder/email

your@email.com

your@email.com

pending_accepted@klarna.com

pending_denied@klarna.com

For SE
Acceptance Checks Fields for Sweden
WPG Field Approved Denied Pending Approved Pending Denied

payment/account-holder/social-security-number

410321-9202

411028-8083

410321-9202

411028-8083

payment/account-holder/first-name

Testperson-se

Testperson-se

Testperson-se

Testperson-se

payment/account-holder/last-name

Approved

Denied

Approved

Denied

payment/account-holder/address/street1

Stårgatan 1

Stårgatan 1

Stårgatan 1

Stårgatan 1

payment/account-holder/address/postal-code

12345

12345

12345

12345

payment/account-holder/address/city

Ankeborg

Ankeborg

Ankeborg

Ankeborg

payment/account-holder/phone

0765260000

0765260000

0765260000

0765260000

payment/account-holder/email

your@email.com

your@email.com

pending_accepted@klarna.com

pending_denied@klarna.com

Workflows

authorization
Klarna Workflow authorization
  • Merchant starts with an authorization of the payment by sending a transaction of the type authorization to Wirecard Payment Gateway containing the order data like amount, order number and order items along with information about the consumer which includes name, billing and shipment address, client IP address and optionally some additional information based on the merchant category.

  • Wirecard performs a risk check for the payment using Klarna service call reserve_amount.

  • If Klarna authorizes the payment, it is guaranteed for the merchant once captured.

  • If Klarna cannot guarantee the payment, the authorization is rejected with a corresponding error code.

  • The result of the risk check is returned with the status code inside the authorization response to the merchant.

pending-authorization
Klarna Workflow pending-authorization
  • In case no immediate decision can be made and a manual check of the payment must be performed by Klarna. In this case the Wirecard Payment Gateway creates a transaction of the type pending-authorization instead and returns it in the response. It means the authorization is pending and cannot be immediately activated.

  • Wirecard takes care of the requesting the actual status of a pending authorization and will notify the merchant system about the status change using the standard Instant Payment Notification (IPN) mechanism. With such a notification an authorization transaction with the corresponding state success/failed and status code and description is sent to the merchant system asynchronously.

  • This new authorization transaction is stored in the system and has the parent transaction ID referencing the pending-authorization transaction.

  • The check of the authorization status is performed every 2 hours and thus the IPN can only be sent out in regular time periods.

  • The maximum time period for a decision at Klarna is 24 hours after the authorization and thus a corresponding IPN will be delivered within 26 hours.

  • It still can occur that no IPN is received after 26 hours e.g. due to a technical error. The merchant has the possibility to check the status of a pending-authorization using the request retrieving transaction by the request ID used for the authorization as described here Retrieve Transaction by Request ID. In case a manual decision has been made, the new authorization transaction is returned with the response. If not, the HTTP code 404 is returned.

  • Please contact Wirecard Customer Support if a pending-authorization transaction still has no corresponding authorization transaction after 26 hours.

authorization-renewal
Klarna Workflow authorization-renewal
It is only possible to extend the reservation expiry date after it has already expired.
  • An authorization is valid by default for 14 days.

  • After the authorization is expired, it cannot be activated, but can be prolonged using the authorization-renewal transaction using Klarna service call extend_expiry_date.

  • A new expiration data is returned with the authorization-renewal response.

adjust-authorization
Klarna Workflow adjust-authorization
A risk check can be performed with every update, if the total order amount is increased. A new risk check can lead to rejection of the authorization adjustment. In this case the last authorization is still valid and can be updated or captured.
  • An order can be updated before it is activated.

  • Multiple updates are possible.

  • Merchant sends an adjust-authorization transaction with parent transaction ID referencing the previous authorization or adjust-authorization transaction. Wirecard is using Klarna call update. The following data can be updated: order number, the order items and thus the amount, the consumer’s name, billing and shipment address.

  • The data sent with the adjust-authorization transaction will replace the data from the parent authorization /adjust-authorization transaction.

  • The result of the adjustment is returned with the status code inside the adjust-authorization response to the merchant.

void-authorization
Klarna Workflow void-authorization
A partial captured reservation still can be cancelled. In this case only not yet captured order items are cancelled.
  • It is possible to cancel a payment authorization before it is fully captured.

  • It should be performed in case the goods or service are not available or the consumer would like to cancel his order.

  • Not cancelled authorizations can influence the risk decisions for the further payments of a particular consumer or even other consumers.

  • Merchant sends a void-authorization transaction with parent transaction ID referencing the authorization/adjust-authorization transaction to be cancelled. Wirecard is using Klarna call cancel_reservation.

  • A pending-authorization can be cancelled as well.

  • The cancellation can be approved or rejected which is reported by the transaction state and status code in the response.

  • The reservation is not valid after cancellation any longer and cannot be updated or activated.

capture-authorization
Klarna Workflow capture-authorization
In case of the payment instructions, the merchant is responsible to send by himself the invoices to his consumers. The Klarna bank account requisites, where the payment should be provided to, can be taken from the payment instructions.
  • Merchant must capture an authorization when the goods or services are ready to be delivered.

  • This call will inform Wirecard and Klarna using activate call that the order is being shipped.

  • Depending on the merchant configuration Klarna will then send an invoice or payment instructions to the consumer according to the provided invoice delivery option: via email, via post or it can be downloaded and enclosed in the delivered package.

  • The download link is provided regardless of the invoice delivery option inside the response. The link is valid for 30 days and will be removed afterwards.

  • Once authorization is captured the due date for payment is set. The default invoice due date is 14 days after activation.

  • The payout to merchant will only occur for the captured payments.

  • To capture an order merchant sends a capture-authorization transaction with parent transaction ID referencing the authorization/adjust-authorization transaction to be captured.

  • If no order items are provided with the capture-authorization transaction, this is a full capture, i.e. all order items of the referenced transaction are activated and must be delivered.

  • Multiple partial captures are possible by sending capture-authorization transactions with order items to be activated.

  • Please note that no new articles can be added.

  • The price of the existing articles cannot be changed as well, otherwise the capture-authorization transaction will be rejected.

  • With every partial capture a new invoice and payment instructions are generated and sent out.

refund-capture
Klarna Workflow refund-capture
  • If a consumer returns all or some items, the merchant needs to issue a refund by sending a refund-capture transaction with parent transaction ID referencing the capture-authorization transaction to be refunded. Wirecard is using the Klarna call credit_part.

  • For every separate captured payment (invoice) made by a capture-authorization transaction a separate refund must be issued by a refund-capture transaction.

  • If no order items are provided with the refund-capture transaction, a full refund of the referenced captured payment will be executed.

  • For partial refunds order items to be refunded need to be provided in the request.

  • The price of the articles to be refunded cannot be changed, otherwise the refund-capture transaction will be rejected.

  • It is also possible to issue a so-called good-will refund which is a new discount item in the refund-capture transaction. It can be also used to issue change vouchers. The new order item must explicitly have the type discount in order to be processed as good-will refund, otherwise it will be rejected as not existing item to be refunded.

  • The other possibility is to add some additional shipment or handling fees for a refund. It increases the order amount but the fee amount itself cannot go over the total amount of the refunded items. To add additional fees that may occur at the merchant side (shipping fee or handling fee) merchant has to provide new order item(s) with the type shipment_fee or handling_fee.

revoke-capture

In case of fraud if the Merchant has violated the Klarna shipping policies, Klarna might revoke the payment guarantee afterwards. In this case the corresponding payment amount will be subtracted from the payout. A new transaction of the type revoke-capture referencing the capture-authorization transaction will be created internally, the amount of the revoke transaction will be equal to the amount of the referenced capture transaction.

adjust-capture

In case of fraud where Klarna fulfills the payment guarantee, the amount paid out to the merchant will be reduced by the VAT value. A new transaction of the type adjust-capture referencing the capture-authorization transaction will be created internally, the amount of the adjust transaction will be equal to the VAT amount of the referenced capture transaction.

Voucher Handling

Vouchers can be provided as order items with the type discount in the authorization/adjust-authorization request. Every voucher must have its unique article number. The voucher amount cannot be higher than the total amount of the articles.

capture Voucher

In case of full capture vouchers are captured among with the other articles.

In case of partial capture the captured voucher amount cannot be higher than the total amount of all captured articles. The merchant can use the following options for voucher handling in partial capture scenario:

Re-Calculation and Split of Voucher Amount Based on Partially Activated Article
General formula for calculation
voucher proportion for single article = single article amount / amount of all articles voucher is related to * total voucher amount
Example Basket
  • Article A = 5 Euro

  • Article B = 95 Euro

  • Voucher C (discount item) = 10 Euro (10% of total basket amount)

Example Adjustment authorization
  • Article A = 5 Euro

  • Article B = 95 Euro

  • Voucher for Article A: 5/100*10 = 0,5 Euro

  • Voucher for Article B: 95/100*10 = 9,5 Euro

Example Partial capture:
  • Article A = 5 Euro

  • Voucher for Article A = 0,5 Euro

Re-Calculate and Split Voucher to avoid Negative Invoice for Partial Activation
Example Basket
  • Voucher for article A: 5 Euro (⇐ max. amount of partial activation)

  • Voucher for article B: 5 Euro (remaining voucher amount after subtracting value

  • of voucher of partial activation)

Example Adjustment authorization
  • Article A = 5 Euro

  • Article B = 95 Euro

  • Voucher for article A = 5 Euro

  • Voucher for article B = 5 Euro

Example Partial capture
  • Article A = 5 Euro

  • Voucher for Article A = 5 Euro

In case of uneven amounts the calculation and rounding of amounts should be done with 2 decimal numbers. Since Klarna ignores more than 2 decimal digits this is important to guarantee identical prices in the authorization and in the order in the shop system.

If the voucher is based on the overall basket amount and a partial capture (article + voucher) is going to be performed, followed by a cancellation of the remaining (not captured) articles, the merchant has the possibility to change (decrease) the amount of the voucher before activation using adjust authorization request. After a capture it will not be possible to decrease the amount of the already captured voucher.

Voucher is refunded like all other articles (using refund-capture call without any order items or including all order items). It must be possible to identify every voucher through its unique article number. If you refund a voucher, it means its amount is subtracted from the total refund amount.

Partial Voucher Refund
  • If other articles are to be refunded, a remaining voucher must not lead to a negative invoice amount.

  • A refund of a voucher may not lead to an increased total invoice amount. This would be a special case which needs additional contractual agreements and general approving for a merchant by Wirecard and Klarna Business Underwriting beforehand, otherwise the call would be rejected.

  • In case of a partial refund, the merchant might want to reduce a given voucher. In this case the voucher can either be refunded completely and a new voucher be added in the credit_part call, or a correcting voucher/article can be added to decrease the total discount.

The following example depicts both cases:

Reservation
  • Article A = 100 Euro

  • Article B = 100 Euro

  • Voucher C = 20 Euro (10% on basket given for baskets exceeding 150 Euros)

Activation
  • Article A = 100 Euro

  • Article B = 100 Euro

  • Voucher C = 20 Euro

Consumer returns article A, total basket amount is lower than 150 Euro, therefore merchant does not want to give a voucher anymore or wants to decrease the voucher.
Option 1 - remove voucher completely
  • Refund

    • Article A = 100 Euro

    • Voucher C = 20 Euro

Option 2 - remove voucher completely and add new lower voucher
  • Refund

    • Article A = 100 Euro

    • Voucher C = 20 Euro

    • Add new voucher D (new item with discount type) = 10 Euro

Option 3 - keep voucher and add fee item to decrease overall given discount
  • Refund

    • Refund A = 100 Euro

    • Add a new item with the fee type to decrease Voucher = 10 Euro

If the decrease of the voucher is based on the overall basket amount, a calculation as in the first example should be performed.

Fields

The following elements are either mandatory M, optional O or conditional C in a transaction process.

authorization
Field Request Response Data Type Size Description Usage remarks

merchant-account-id

M

M

Alphanumeric

36

Unique identifier for a merchant account

request-id

M

M

Alphanumeric

150

This is the identification number of the request.

It has to be unique for each request.

transaction-type

M

M

Enumeration

30

The type for the transaction - authorization

requested-amount

M

M

Numeric

18,3

Amount of the order to be reserved. The amount of the decimal place is dependent of the currency.

The requested amount must be equal to the amount sum of all order items.

requested-amount@currency

M

M

Alphanumeric

3

Amount currency of the order to be reserved.

Currency, country of the consumer and language must match.

account-holder

M

M

Complex

The end consumer.

account-holder.social-security-number

C

C

Alphanumeric

14

Social security number of the end consumer.

Mandatory for SE, DM, FI, NO.

account-holder.date-of-birth

C

C

Date

Birth date of the end consumer.

Mandatory for DE, AT, NL.

account-holder.first-name

M

M

Alphanumeric

32

First name of the end consumer.

account-holder.last-name

M

M

Alphanumeric

32

Last name of the end consumer.

account-holder.email

M

M

Alphanumeric

64

Email address of the end consumer.

account-holder.gender

C

C

Alphanumeric

1

Gender of the end consumer.

Mandatory for DE, AT, NL.

account-holder.phone

M

M

Alphanumeric

32

The phone number of the end consumer.

Phone numbers need to be validated. Click here for details.

account-holder.address

M

M

Complex

The address of the end consumer.

account-holder.address.street1

M

M

Alphanumeric

128

Street name of the end consumer.

account-holder.address.street2

M

M

Alphanumeric

128

House number of the end consumer.

Mandatory for DE and NL.

account-holder.address.house-extension

C

C

Alphanumeric

32

House extension of the end consumer.

Mandatory for NL.

account-holder.address.city

M

M

Alphanumeric

32

City of the end consumer.

account-holder.address.country

M

M

Alphanumeric

3

Country of the end consumer.

Currency, country of the consumer and language must match.

account-holder.address.postal-code

M

M

Alphanumeric

16

Postal code of the the end consumer.

shipping

M

M

Complex

The shipping information of the recipient.

shipping.first-name

M

M

Alphanumeric

32

First name of the recipient.

Must be identical to the first name of the invoice recipient (account holder).

shipping.last-name

M

M

Alphanumeric

32

Last name of the recipient.

Must be identical to the last name of the invoice recipient (account holder).

shipping.email

M

M

Alphanumeric

64

Email address of the recipient.

shipping.phone

M

M

Alphanumeric

32

The phone number of the recipient.

Phone numbers need to be validated. Click here for details.

shipping.address

M

M

Complex

The address of the recipient.

shipping.address.street1

M

M

Alphanumeric

128

Street name of the recipient.

shipping.address.street2

M

M

Alphanumeric

128

House number of the recipient.

Mandatory for DE and NL.

shipping.address.house-extension

C

C

Alphanumeric

32

House extension of the recipient.

Mandatory for NL.

shipping.address.city

M

M

Alphanumeric

32

City of the recipient.

shipping.address.country

M

M

Alphanumeric

3

Country of the recipient.

Country of the consumer and of the recipient must be the same.

shipping.address.postal-code

M

M

Alphanumeric

16

Postal code of the the recipient.

ip-address

M

M

Alphanumeric

15

Global (internet) IP address of the consumer’s computer.

order-number

O

O

Alphanumeric

64

Order number of the merchant.

order-detail

O

O

Alphanumeric

Message or other important information to the consumer on the invoice.

Requires a setting which can be made by Merchant Support.

descriptor

O

O

Alphanumeric

256

Message or other important information to the consumer on the invoice.

Requires a setting which can be made by Merchant Support.

locale

O

O

Alphanumeric

5

Language to be used on the invoice. If not provided derived from the consumer’s country.

Currency, country of the consumer and language must match.

order-items

M

M

Complex

List of order items.

order-items.order-item

M

M

Complex

Order item.

order-items.order-item.quantity

M

M

Numeric

Quantity of the order item.

order-items.order-item.article-number

M

M

Alphanumeric

256

Article ID unique for the order.

order-items.order-item.name

M

M

Alphanumeric

256

Order item name.

order-items.order-item.amount

M

M

Numeric

18,3

Price of one order item unit.

order-items.order-item.amount@currency

M

M

Alphanumeric

3

Currency of the order item.

Order item currency must match the order currency (requested amount currency).

order-items.order-item.tax-rate

M

M

Numeric

5,2

Tax rate as percentage value or the order item.

order-items.order-item.discount

O

O

Numeric

18,3

The discount value as percentage value for one order item.

Currently not supported and should not be used. Please calculate the order item value with discount if needed.

order-items.order-item.type

O

O

Enumeration

The type of the order item: shipment_fee, handling_fee, discount. If not provided, it is treated as a regular article.

Discount is currently not supported yet and will be treated as a regular article.

additional-merchant-data

O

O

Alphanumeric

Special data might be needed for specific merchant categories like travel or event tickets in addition to order items. The benefit for the merchant is that Klarna will be better able to score the merchant’s consumers which in turn will result in a higher acceptance rate. It will be decided before the integration if additional data is required. For details regarding the content and format of this field please see Extra Merchant Data chapter.

transaction-id

M

Alphanumeric

36

Transaction ID is the unique identifier for a transaction. It is generated by Wirecard.

request-id

M

M

Alphanumeric

150

Identification number of the request generated by merchant. It has to be unique for each request.

transaction-state

M

Alphanumeric

12

Transaction status success / failed.

completion-time-stamp

M

DateTime

Timestamp of completion of request.

statuses

M

Complex

List of transaction statuses.

statuses.status

M

Complex

Transaction status.

statuses.status.code

M

Alphanumeric

12

Status code of the transaction.

statuses.status.description

M

Alphanumeric

256

Description to the status code of the transaction.

statuses.status.severity

M

Enumeration

20

This field gives information if a status is a warning, an error or an information.

statuses.status@provider-code

O

Alphanumeric

34

Original Klarna error code

statuses.status@provider-message

O

Alphanumeric

Error message to be shown to the end consumer as required by Klarna

statuses.status@provider-transaction-id

O

Alphanumeric

36

Klarna reservation number

notifications.notification@url

O

O

Alphanumeric

256

URL to be used for the Instant Payment Notification for pending reservations. It overwrites the notification URL that is set up in the merchant configuration.

custom-fields.custom-field/@field-name

C

C

Alphanumeric

36

The name of the custom field keeping the value of the selected Klarna pclass which is defining the corresponding installment plan.

Mandatory for payment method klarna-install. Must have the hardcoded value "klarna.pclass".

custom-fields.custom-field/@field-value

C

C

Alphanumeric

256

The value of the custom field keeping the value of the selected Klarna pclass which is defining the corresponding installment plan.

Mandatory for payment method klarna-install. The value of the Klarna pclass - Klarna’s identifier of the chosen installment plan (for details please see Klarna Installment Calculator service for guaranteed payment on installments).

payment-methods.payment-method-name

M

M

Alphanumeric

15

Name of the payment method: klarna-invoice, klarna-install

adjust-authorization
Field Request Response Data Type Size Description Usage remarks

merchant-account-id

M

M

Alphanumeric

36

Unique identifier for a merchant account.

request-id

M

M

Alphanumeric

150

Identification number of the request.

It has to be unique for each request.

transaction-type

M

M

Enumeration

30

The type for a transaction – adjust-authorization.

requested-amount

M

M

Numeric

18,3

Amount of the changed order. The amount of the decimal place is dependent of the currency.

The requested amount must be equal to the amount sum of all order items.

requested-amount@currency

M

M

Alphanumeric

3

Amount currency of the changed order.

Currency, country of the consumer and language must match.

account-holder

O

O

Complex

The end consumer whose data has changed.

account-holder.social-security-number

C

C

Alphanumeric

14

Social security number of the end consumer.

Mandatory for SE, DM, FI, NO.

account-holder.date-of-birth

C

C

Date

Birth date of the end consumer.

Mandatory for DE, AT, NL.

account-holder.first-name

M

M

Alphanumeric

32

First name of the end consumer.

account-holder.last-name

M

M

Alphanumeric

32

Last name of the end consumer.

account-holder.email

M

M

Alphanumeric

64

Email address of the end consumer.

account-holder.gender

C

C

Alphanumeric

1

Gender of the end consumer.

Mandatory for DE, AT, NL.

account-holder.phone

M

M

Alphanumeric

32

The phone number of the end consumer.

Phone numbers need to be validated. Click here for details.

account-holder.address

M

M

Complex

The address of the end consumer.

account-holder.address.street1

M

M

Alphanumeric

128

Street name of the end consumer.

account-holder.address.street2

M

M

Alphanumeric

128

House number of the end consumer.

Mandatory for DE and NL.

account-holder.address.house-extension

C

C

Alphanumeric

32

House extension of the end consumer.

Mandatory for NL.

account-holder.address.city

M

M

Alphanumeric

32

City of the end consumer.

account-holder.address.country

M

M

Alphanumeric

3

Country of the end consumer.

Currency, country of the consumer and language must match.

account-holder.address.postal-code

M

M

Alphanumeric

16

Postal code of the the end consumer.

shipping

O

O

complex

The changed shipping data of the recipient.

shipping.first-name

M

M

Alphanumeric

32

First name of the recipient.

shipping.last-name

M

M

Alphanumeric

32

Last name of the recipient.

shipping.email

M

M

Alphanumeric

64

Email address of the recipient.

shipping.phone

M

M

Alphanumeric

32

The phone number of the recipient.

Phone numbers need to be validated. Click here for details.

shipping.address

M

M

Complex

The address of the recipient.

shipping.address.street1

M

M

Alphanumeric

128

Street name of the recipient.

shipping.address.street2

M

M

Alphanumeric

128

House number of the recipient.

Mandatory for DE and NL.

shipping.address.house-extension

C

C

Alphanumeric

32

House extension of the recipient.

Mandatory for NL.

shipping.address.city

M

M

Alphanumeric

32

City of the recipient.

shipping.address.country

M

M

Alphanumeric

3

Country of the recipient.

Country of the consumer and of the recipient must be the same.

shipping.address.postal-code

M

M

Alphanumeric

16

Postal code of the the recipient.

order-number

O

O

Alphanumeric

64

Changed order number of the merchant.

order-items

O

O

Complex

Changed list of order items.

The provided order items will completely replace those from the parent transaction.

order-items.order-item

O

O

Complex

Order item.

order-items.order-item.quantity

M

M

Numeric

Quantity of the order item.

order-items.order-item.article-number

M

M

Alphanumeric

256

Article ID unique for the order.

order-items.order-item.name

M

M

Alphanumeric

256

Order item name.

order-items.order-item.amount

M

M

Numeric

18,6

Price of one order item unit.

order-items.order-item.amount@currency

M

M

Alphanumeric

3

Currency of the order item.

Order item currency must match the order currency (requested amount currency).

order-items.order-item.tax-rate

M

M

Numeric

5,2

Tax rate as percentage value or the order item.

order-items.order-item.discount

O

O

Numeric

18,2

The discount value as percentage value for one order item.

Currently not supported and should not be used. Please calculate the order item value with discount if needed.

order-items.order-item.type

O

O

Enumeration

The type of the order item: shipment_fee, handling_fee, discount. If not provided, it is treated as a regular article.

Discount is currently not supported and will be treated as a regular article.

transaction-id

M

Alphanumeric

36

Transaction ID is the unique identifier for a transaction. It is generated by Wirecard.

transaction-state

M

Enumeration

12

Transaction status success / failed

completion-time-stamp

M

DateTime

Timestamp of completion of request.

statuses

M

Complex

List of transaction statuses

statuses.status

M

Complex

Transaction status.

statuses.status.code

M

Alphanumeric

12

Status code of the transaction.

statuses.status.description

M

Alphanumeric

256

Description to the status code of the transaction.

statuses.status.severity

M

Enumeration

20

This field gives information if a status is a warning, an error or an information.

statuses.status@provider-code

O

Alphanumeric

34

Original Klarna error code

statuses.status@provider-message

O

Alphanumeric

Error message to be shown to the end consumer as required by Klarna

parent-transaction-id

M

M

Alphanumeric

36

Transaction ID of the parent authorization or adjust-authorization transaction.

payment-methods.payment-method-name

M

M

Enumeration

15

Name of the payment method: klarna-invoice, klarna-install

authorization-renewal
Field Request Response Data Type Size Description Usage remarks

merchant-account-id

M

M

Alphanumeric

36

Unique identifier for a merchant account.

request-id

M

M

Alphanumeric

150

Identification number of the request.

It has to be unique for each request.

transaction-type

M

M

Enumeration

30

The type for a transaction – authorization-renewal

expiration-date

M

dateTime

The new expiration timestamp

statuses

M

Complex

List of transaction statuses

statuses.status

M

Complex

Transaction status.

statuses.status.code

M

Alphanumeric

12

Status code of the transaction.

statuses.status.description

M

Alphanumeric

256

Description to the status code of the transaction.

statuses.status.severity

M

Enumeration

20

This field gives information if a status is a warning, an error or an information.

statuses.status@provider-code

O

Alphanumeric

34

Original Klarna error code

statuses.status@provider-message

O

Text

Error message to be shown to the end consumer as required by Klarna

parent-transaction-id

M

M

Alphanumeric

36

Transaction ID of the parent authorization or adjust-authorization transaction to be prolonged.

payment-methods.payment-method-name

M

M

Enumeration

15

Name of the payment method: klarna-invoice, klarna-install

void-authorization
Field Request Response Data Type Size Description Usage remarks

merchant-account-id

M

M

Alphanumeric

36

Unique identifier for a merchant account.

request-id

M

M

Alphanumeric

150

Identification number of the request.

It has to be unique for each request.

transaction-type

M

M

Enumeration

30

The type for a transaction – void-authorization

statuses

M

Complex

List of transaction statuses

statuses.status

M

Complex

Transaction status.

statuses.status.code

M

Alphanumeric

12

Status code of the transaction.

statuses.status.description

M

Alphanumeric

256

Description to the status code of the transaction.

statuses.status.severity

M

Alphanumeric

20

This field gives information if a status is a warning, an error or an information.

statuses.status@provider-code

O

Alphanumeric

34

Original Klarna error code

statuses.status@provider-message

O

Alphanumeric

Error message to be shown to the end consumer as required by Klarna

parent-transaction-id

M

M

Alphanumeric

36

Transaction ID of the parent authorization or adjust-authorization transaction to be voided.

payment-methods.payment-method-name

M

M

Alphanumeric

15

Name of the payment method: klarna-invoice, klarna-install

capture-authorization
Field Request Response Data Type Size Description Usage remarks

merchant-account-id

M

M

Alphanumeric

36

Unique identifier for a merchant account.

request-id

M

M

Alphanumeric

150

Identification number of the request.

It has to be unique for each request.

transaction-type

M

M

Enumeration

30

The type for a transaction – capture-authorization

requested-amount

M

M

Numeric

18,3

Amount of the changed order. The amount of the decimal place is dependent of the currency.

The requested amount must be equal to the amount sum of all order items.

requested-amount@currency

M

M

Alphanumeric

3

Amount currency of the changed order.

Currency, country of the consumer and language must match.

descriptor

O

O

Alphanumeric

256

Message or other important information to the consumer on the invoice/ payment instructions.

Requires a setting which can be made by Merchant Support.

invoice.delivery-method

O

O

Enumeration

The delivery method of the invoice/payment instructions. Possible values: mail, email.

Regardless of this element the link to the invoice/payment instructions document is provided in payment-methods/payment-method/@url.

invoice.invoice-number

M

Alphanumeric

32

The OCR number identifying the captured order

invoice.invoice_url

M

Alphanumeric

2000

The link to the Klarna invoice/payment instructions document in PDF format to download.

The URL is valid for 30 days after creation. After this time it will be deleted.

order-detail

O

O

Alphanumeric

Message or other important information to the consumer on the invoice/payment instructions.

Requires a setting which can be made by Merchant Support.

order-number

O

O

Alphanumeric

64

Order number of the merchant if not provided with the authorization.

order-items

O

O

Complex

The list of the order items for partial capture.

order-items.order-item

O

O

Complex

Order item.

order-items.order-item.quantity

M

M

Numeric

Quantity of the order item.

order-items.order-item.article-number

M

M

Alphanumeric

256

Article ID unique for the order.

order-items.order-item.name

M

M

Alphanumeric

256

Order item name.

order-items.order-item.amount

M

M

Numeric

18,6

Price of one order item unit.

Must be equal to the price in the authorization/adjust-authorization call.

order-items.order-item.amount@currency

M

M

Alphanumeric

3

Currency of the order item.

Order item currency must match the order currency (requested amount currency).

shipping.tracking-number

O

O

Alphanumeric

64

Tracking number for the outgoing parcel

shipping.tracking-url

O

O

Alphanumeric

2000

URL to the shipping company’s page for the outgoing parcel

shipping.shipping-company

O

O

Alphanumeric

64

The name of the shipping company for the outgoing parcel

shipping.shipping-method

O

O

Enumeration

Use one of the following options
  • store_pick_up - An online purchase is picked up in the merchants own physical store.

  • home_delivery - Goods are sent home directly to consumer’s home address via an external shipping company. This can either be a traceable or a non-traceable shipment.

  • registered_box - Goods are sent to a delivery box where the consumer needs to be registered to pick them up. Example: DHL Packstation.

  • unregistered_box - Goods are sent to a delivery box where the consumer does not need to be registered to pick them up. Example: Itella smartpost, Hermes PaketShop.

  • pick_up_point - Goods are sent to a manned pick-up point by an external shipping company. External personnel hands over goods to the consumer.

  • own_delivery - Goods are sent home directly to consumers home address via merchants own delivery service.

shipping.return-tracking-number

O

O

Alphanumeric

64

Tracking number for the return parcel

shipping.return-tracking-url

O

O

Alphanumeric

2000

URL to the shipping company’s page for the return parcel

shipping.return-shipping-company

O

O

Alphanumeric

36

The name of the shipping company for the return parcel

transaction-id

M

Alphanumeric

36

Transaction ID is the unique identifier for a transaction.

It is generated by Wirecard.

transaction-state

M

Alphanumeric

12

Transaction status success / failed

completion-time-stamp

M

DateTime

Timestamp of completion of request.

statuses

M

Complex

List of transaction statuses

statuses.status

M

Complex

Transaction status.

statuses.status.code

M

Alphanumeric

12

Status code of the transaction.

statuses.status.description

M

Alphanumeric

256

Description to the status code of the transaction.

statuses.status.severity

M

Enumeration

20

This field gives information if a status is a warning, an error or an information.

statuses.status@provider-code

O

Alphanumeric

34

Original Klarna error code

statuses.status@provider-message

O

Alphanumeric

Error message to be shown to the end consumer as required by Klarna

statuses.status@provider-transaction-id

O

Alphanumeric

36

Klarna invoice number (OCR number)

invoice/invoice-number

M

Alphanumeric

36

Klarna invoice number (OCR number)

parent-transaction-id

M

M

Alphanumeric

36

Transaction ID of the parent authorization or adjust-authorization transaction.

payment-methods.payment-method-name

M

M

Enumeration

15

Name of the payment method: klarna-invoice, klarna-install

refund-capture
Field Request Response Data Type Size Description Usage remarks

merchant-account-id

M

M

Alphanumeric

36

Unique identifier for a merchant account.

request-id

M

M

Alphanumeric

150

Identification number of the request.

It has to be unique for each request.

transaction-type

M

M

Alphanumeric

30

The type for a transaction – refund-capture

requested-amount

M

M

Numeric

18,3

Amount of the changed order. The amount of the decimal place is dependent of the currency.

The requested amount must be equal to the amount sum of all order items.

requested-amount@currency

M

M

Alphanumeric

3

Amount currency of the changed order.

Currency, country of the consumer and language must match.

order-items

O

O

Complex

List of order items to be refunded.

order-items.order-item

O

O

Complex

Order item.

order-items.order-item.quantity

M

M

Numeric

Quantity of the order item.

order-items.order-item.article-number

M

M

Alphanumeric

256

Article ID unique for the order.

order-items.order-item.name

M

M

Alphanumeric

256

Order item name.

order-items.order-item.amount

M

M

Numeric

18,6

Price of one order item unit.

order-items.order-item.amount@currency

M

M

Alphanumeric

3

Currency of the order item.

Order item currency must match the order currency (requested amount currency).

order-items.order-item.tax-rate

M

M

Numeric

5,2

Tax rate as percentage value or the order item.

order-items.order-item.type

O

O

Enumeration

Order item types
  • shipment_fee, handling_fee – marks the item as a new additional fee decreasing the total refund amount

  • discount – marks the item as a voucher (good-will refund) increasing the total refund amount.

If not provided, the item is treated as an existing item to be refunded.

transaction-id

M

Alphanumeric

36

Transaction ID is the unique identifier for a transaction. It is generated by Wirecard.

transaction-state

M

Alphanumeric

12

Transaction status success / failed

completion-time-stamp

M

DateTime

Timestamp of completion of request.

statuses

M

Complex

List of transaction statuses

statuses.staus

M

Complex

Transaction status.

statuses.status.code

M

Alphanumeric

12

Status code of the transaction.

statuses.status.description

M

Alphanumeric

256

Description to the status code of the transaction.

statuses.status.severity

M

Enumeration

20

This field gives information if a status is a warning, an error or an information.

statuses.status@provider-code

O

Alphanumeric

34

Original Klarna error code

statuses.status@provider-message

O

Text

Error message to be shown to the end consumer as required by Klarna

parent-transaction-id

M

M

Alphanumeric

36

Transaction ID of the parent authorization or adjust-authorization transaction.

payment-methods.payment-method-name

M

M

Enumeration

15

Name of the payment method: klarna-invoice, klarna-install

get-address
Field Request Response Data Type Size Description Usage remarks

get-address-request.merchant-account-id

M

M

Alphanumeric

36

Unique identifier for a merchant account.

get-address-request.payment-method

M

M

Enumeration

15

Name of the payment method: klarna-invoice or klarna-install.

get-address-request.social-security-number

M

M

Alphanumeric

14

Social security number of the end consumer which addresses have to be returned by the service.

It has the following format for SE: (yy)yymmdd-nnnn where yymmdd – the date of birth of the consumer. It can be sent with or without dash "-" or with or without the two first numbers in the year.

get-address-request.country

M

M

Alphanumeric

3

Country of the end consumer.

Currently only SE is supported.

get-address-request.ip-address

M

M

Alphanumeric

15

Global (internet) IP address of the consumers computer.

get-address-response.addresses

M

Complex

The list of found addresses.

get-address-response.addresses.address

M

Complex

The found address.

get-address-response.addresses.address.first-name

M

Alphanumeric

32

First name of the person registered for the current address.

response.addresses.address.last-name

M

Alphanumeric

32

Last name of the person registered for the current address.

get-address-response.addresses.address.street

M

Alphanumeric

128

Street name + house number of the found address.

get-address-response.addresses.address.house-number

M

Alphanumeric

Empty for Klarna.

get-address-response.addresses.address.postal-code

M

Alphanumeric

16

Postal code of the found address.

get-address-response.addresses.address.city

M

Alphanumeric

32

City of the found address.

installment-calculator
Field Request Response Data Type Size Description Usage remarks

installment-calculator-request.merchant-account-id

M

Alphanumeric

36

Unique identifier for a merchant account.

installment-calculator-request.payment-method

M

Enumeration

15

Name of the payment method: klarna-install

installment-calculator-request.amount

M

Numeric

18,3

Amount of the order.

The amount of the decimal place is dependent of the currency.

installment-calculator-request.amount@currency

M

Alphanumeric

3

Amount currency of the order.

installment-calculator-request.locale

M

Alphanumeric

5

Locale code containing country and language code. E.g. de_de. The language defines the localized labels of the result fields.

installment-calculator-response.merchant-account-id

M

Alphanumeric

36

Unique identifier for a merchant account.

installment-calculator-response.payment-method

M

Enumeration

15

Name of the payment method: klarna-install

installment-calculator-response.amount

M

Numeric

18,3

Amount of the order.

The amount of the decimal place is dependent of the currency.

installment-calculator-response.amount@currency

M

Alphanumeric

3

Amount currency of the order.

installment-calculator-response.locale

M

Alphanumeric

5

Locale code containing country and language code. E.g. de_de. The language defines the localized labels of the result fields.

installment-calculator-response.state

M

Enumeration

The state of the response: success, failed.

installment-calculator-response.statuses

M

Complex

List of response statuses.

installment-calculator-response.statuses.status

M

Complex

Response status

installment-calculator-response.statuses.status@code

M

Alphanumeric

12

The status code of the response. For the complete list of status codes please see Status Codes and Transaction Status.

installment-calculator-response.statuses.status@description

M

Alphanumeric

256

The description to the status code of the response.

installment-calculator-response.statuses.status@severity

M

Enumeration

This field gives information if a status is a warning, an error or an information.

installment-calculator-response.statuses.status@provider-code

O

Alphanumeric

34

Original Klarna error code.

installment-calculator-response.statuses.status@provider-message

O

Alphanumeric

The original Klarna error message.

It does not need to be shown to the end consumer.

installment-calculator-response.installments

O

Complex

List of available installment plans.

installment-calculator-response.installments.installment

O

Complex

Installment plan.

installment-calculator-response.installments.installment.product-id

M

Numeric

The Klarna ID uniquely identifying the corresponding payment option / installment plan.

installment-calculator-response.installments.installment.name

O

Alphanumeric

Name of the payment option in English.

Only available for Germany, Sweden, Finland and Norway.

installment-calculator-response.installments.installment.terms

O

Alphanumeric

Absolute URL to the terms for this payment method.

Only available for Germany, Sweden, Finland and Norway.

installment-calculator-response.installments.installment.logo

O

Alphanumeric

Absolute URL to the logo used for this payment method.

Only available for Germany, Sweden, Finland and Norway.

installment-calculator-response.installments.installment.type

O

Alphanumeric

Payment option group: invoice for payment on invoice and for "Buy now, pay in X months", part_payment for payment by installments.

installment-calculator-response.installments.installment.type@title

O

Alphanumeric

Title to display the payment option group in the corresponding language.

Only available for Germany, Sweden, Finland and Norway.

installment-calculator-response.installments.installment.details

O

Complex

The details of the installment plan.

installment-calculator-response.installments.installment.details.interest-rate

O

Alphanumeric

Interest rate for payment option.

Value is displayed in localized format depending on the locale.

installment-calculator-response.installments.installment.details.interest-rate@label

O

Alphanumeric

Title to display the interest rate in the corresponding language.

installment-calculator-response.installments.installment.details.interest-rate@symbol

Alphanumeric

The unit of the interest rate. Usually %.

installment-calculator-response.installments.installment.details.monthly-invoice-fee

O

Alphanumeric

Monthly administrator invoice fee.

Value is displayed in localized format depending on the locale.

installment-calculator-response.installments.installment.details.monthly-invoice-fee@label

O

Alphanumeric

Title to display the monthly invoice fee in the corresponding language.

installment-calculator-response.installments.installment.details.monthly-invoice-fee@symbol

O

Alphanumeric

The unit of the monthly invoice fee.

Usually the currency code in the corresponding language.

installment-calculator-response.installments.installment.details.setup-fee

O

Alphanumeric

The start fee of the installment.

Value is displayed in localized format depending on the locale.

installment-calculator-response.installments.installment.details.setup-fee@label

O

Alphanumeric

Title to display the setup fee in the corresponding language.

installment-calculator-response.installments.installment.details.setup.fee@symbol

O

Alphanumeric

The unit of the setup fee.

Usually the currency code in the corresponding language.

installment-calculator-response.installments.installment.details.monthly-pay

O

Alphanumeric

Calculated monthly payment. For the flexible installment plans for Germany, Sweden, Finland and Norway it contains the minimal monthly payment amount.

Value is displayed in localized format depending on the locale.

installment-calculator-response.installments.installment.details.monthly-pay@label

O

Alphanumeric

Title to display the monthly payment in the corresponding language.

installment-calculator-response.installments.installment.details.monthly-pay@symbol

O

Alphanumeric

The unit of the monthly payment.

Usually the currency code in the corresponding language.

installment-calculator-response.installments.installment.details.annual-percentage-rate

O

Alphanumeric

Calculated annual percentage rate.

Value is displayed in localized format depending on the locale.

installment-calculator-response.installments.installment.details.annual-percentage-rate@label

O

Alphanumeric

Title to display the annual percentage rate in the corresponding language.

installment-calculator-response.installments.installment.details.annual-percentage-rate@symbol

O

Alphanumeric

The unit of the annual percentage rate. Usually %.

installment-calculator-response.installments.installment.details.months

O

Alphanumeric

Number of installments (months) for payment option.

Only available for fixed installment plans.

installment-calculator-response.installments.installment.details.months@label

O

Alphanumeric

Title to display the number of installments (months) in the corresponding language.

installment-calculator-response.installments.installment.details.month

O

Alphanumeric

The name of the month when the order must be paid in English.

Only available for Pay now, pay in X months.

installment-calculator-response.installments.installment.details.month@label

O

Alphanumeric

The name of the month in the corresponding language.

installment-calculator-response.installments.installment.details.total-credit-purchase-price

O

Alphanumeric

The total amount that is payable for this purchase, including starting fee, administrative fees and interest rates.

Value is displayed in localized format depending on the locale.

installment-calculator-response.installments.installment.details.total-credit-purchase-price@label

O

Alphanumeric

Title to display the total amount in the corresponding language.

installment-calculator-response.installments.installment.details.total-credit-purchase-price@symbol

O

Alphanumeric

The unit of the total amount.

Usually the currency code in the corresponding language

installment-calculator-response.installments.installment.details.minimum-amount

O

Alphanumeric

Minimum purchase amount for the payment option.

Only available for Netherlands, Austria, and Denmark.

installment-calculator-response.installments.installment.title

O

Alphanumeric

Title to display the payment option in the corresponding language.

installment-calculator-response.installments.installment.description

O

Alphanumeric

Detailed information about payment option.

Only available for Germany, Sweden, Finland and Norway.

installment-calculator-response.installments.installment.use-case

O

Alphanumeric

Calculation example of payment option.

Only available for Germany, Sweden, Finland and Norway.

installment-calculator-response.installments.installment.expiration-date

O

Alphanumeric

Payment option expiry date in the format YYYY-MM-DD.

This is used for Buy now, pay in X months. Only available for Netherlands, Austria, and Denmark.

Phone Number Validation

For the transaction types authorization and adjust-authorization, both the consumer’s phone number account-holder.phone and the phone number that corresponds to the shipping address shipping.phone are mandatory.
According to Klarna developer guidelines, you have to validate phone numbers in order to meet the requirements provided in the table below. As Klarna declines phone numbers that do not adhere to the required format, be sure to check the phone numbers before sending the request.

Country Cellular Landline

Austria

  • Numbers start with 0650 to 0653, 0655, 0657, 0659 to 0661, 0663 to 0699.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (0043 or +43).

  • Area codes for landline numbers start with 01, 02, 03, 04, 05, 06 (unless cell) or 07, followed by a number of 4 - 13 digits.
    Remove area code’s leading zero when using country code.

  • Country code prefix is optional (0043 or +43).

Denmark

  • Numbers have 8 digits.

  • Numbers start with 20-29, 30, 31, 40-42, 50-53, 60, 61 71 or 81.

  • Country code prefix is optional (0045 or +45).

  • Numbers have 8 digits.

  • Numbers start with 32-39, 43-49, 54-59, 62-69, 72-79, 82-89, 96-99.

  • Country code prefix is optional (0045 or +45).

  • Numbers have 6 - 12 digits.

  • Numbers start with 040-049 or 050.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (00358 or +358).

  • Numbers have 6 - 12 digits.

  • Numbers start with 01-03, 05-09.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (00358 or +358).

Germany

  • Numbers have 8 - 12 digits.

  • Numbers start with 015-017.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (0049 or +49).

  • Numbers have 4 - 12 digits.

  • Numbers start with 010-014, 018-019, 02-09.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (0049 or +49).

Netherlands

  • Numbers have 9 - 10 digits.

  • Numbers start with 06.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (0031 or +31).

  • Numbers have 9 - 10 digits.

  • Numbers start with 01-05, 07-08.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (0031 or +31).

Norway

  • Numbers have 8 digits.

  • Numbers start with 40-49 or 90-99.

  • Country code prefix is optional (0047 or +47).

  • Numbers have 8 digits.

  • Numbers start with 2,3,5-8.

  • Country code prefix is optional (0047 or +47).

Sweden

  • Numbers have 7-13 digits.

  • Numbers start with 010, 070, 072, 073, 076.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (0046 or +46).

  • Numbers have 7-13 digits.

  • Numbers start with 011-019, 02-06, 071, 075, 077-079, 08-09.
    Remove number’s leading zero when using country code.

  • Country code prefix is optional (0046 or +46).

Features

Additional Merchant Data

Extra Merchant Data (EMD) is additional data variables that a merchant can send in to Wirecard in the API call in excess of the goods list. The added value from the merchant’s perspective is that Klarna will to a higher extent have the possibility of scoring the merchant’s consumers, which in turn will result in an improved likelihood of higher acceptance rate. It also allows Klarna to gain valuable data in segments/concepts where it otherwise would be hard for Klarna to operate in (for example business concepts such as travel, digital goods, marketplaces etc.).

The content of this field is a JSON alphanumeric presenting the hierarchical additional merchant data for Klarna. Please contact your Wirecard sales account manager in order to clarify what packages are required for your integration.

Frontend Integration Requirements
Klarna Workflow Frontend Integration Requirements

Klarna has detailed requirements for the look & feel style of the integration on the shop’s checkout page. These requirements must be fulfilled and will be checked in scope of the integration acceptance checks with Klarna. The description of the requirements can be found on the following Klarna online developer portal pages:

Requirement URL

Guidelines

https://developers.klarna.com/kpm/guidelines/

Consumer terms and conditions

https://developers.klarna.com/kpm/consumer-terms-and-conditions/

Country specific requirements

https://developers.klarna.com/kpm/country-specific/

Logos

https://developers.klarna.com/kpm/logos/

Tool tips

https://developers.klarna.com/kpm/tooltip/

The merchant requires the Klarna Merchant ID in order to be able to use some of the solutions. Please contact your Wirecard account manager in order to get the Klarna Merchant ID.
get-address for Swedish Consumers
Klarna Workflow get-address for Swedish Customers

For the Swedish private persons Klarna requires exact match of the address data in the authorization/adjust-authorization requests. In case of some deviations, the internal risk check might fail and the transaction gets rejected. In order to avoid the address mismatches Wirecard and Klarna offer a special online service which retrieves the official address(es) of the consumer by his social security number. The found address(es) need to be displayed on the checkout page to the consumer where he needs to choose and confirm one. The confirmed address should be used in the corresponding authorization/adjust-authorization request.

Please note the following requirements:

  • The function can only used for private consumers with a Swedish social security number.

  • Consumer data is only retrieved for Klarna’s payment methods in the checkout.

  • The function may not be used for consumer registration out of payment scope.

  • The function may only be used after providing the consumer with Klarna’s terms & conditions.

  • The Get Address UI elements and received data must disappear if the consumer chooses another payment method.

  • The consumer needs to actively press a button to collect the data, it may not be triggered by completion of a form field.

  • The button is not allowed to be named Get Address (hämta address). Approved names: Fetch (Hämta), Continue (Fortsätt), Search (Sök), Proceed (Vidare).

get-address Test Credentials
URLs (Endpoints)

Test URL

https://api-test.wirecard.com/engine/rest/utils/getaddress

Production URL

https://api.wirecard.com/engine/rest/utils/getaddress

Test Credentials

Merchant Account ID

8ea482bc-796c-42b4-a698-9a2db4b2edef

Username

16390-testing

Password

3!3013=D3fD8X7

Countries

SE

Communication Formats

Format

XML

Methods

POST

Installment Calculator for Guaranteed Payment on Installment
Klarna Workflow of Installment Calculator

The Installment Calculator service can be used to retrieve the available installment plans offered by Klarna. Merchant sends the order amount and the ISO locale code including country and language, and retrieves the list of available installment plans for these input data. The available installment plans (also called payment options) need to be shown to the buyer on the checkout page. When the buyer chooses the appropriate installment plan, its pclass needs to be sent with the payment authorization request to the Wirecard Payment Gateway. For Germany, Sweden, Finland and Norway there are additional UI related information returned in the response (e.g. the description of the particular installment plan localized for the corresponding locale) which helps displaying the installment plans on the checkout page. Please note the country specific requirements for displaying the installment plans and additional information and confirmations on the shop checkout page described in chapter https://developers.klarna.com/en/de/kpm/guidelines (Link for presentation guidelines in Germany, please use country selector at the top of the page to change to guidelines for other countries). For the flexible installment plans there is no calculation of monthly payment amount, annual percentage rate and total purchase amount performed and thus these fields are not returned for the corresponding installment plan in the response. Although for Germany, Sweden, Finland, Norway and Denmark the field use-case still contains a text with the calculation example.

Installment Calculator Test Credentials
URLs (Endpoints)

Test URL

https://api-test.wirecard.com/engine/rest/utils/getaddress

Production URL

https://api.wirecard.com/engine/rest/utils/getaddress

Test Credentials

Merchant Account ID

8ea482bc-796c-42b4-a698-9a2db4b2edef

Username

16390-testing

Password

3!3013=D3fD8X7

Countries

DE, AT, NL, SE, NO, DK, FI

Currencies

EUR, SEK, DKK, NOK

Communication Formats

Format

XML

Methods

POST

Samples

authorization
XML Klarna Invoice Authorization request for DE (successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <request-id>${unique for each request}</request-id>
        <transaction-type>authorization</transaction-type>
        <requested-amount currency="EUR">10.01</requested-amount>
        <account-holder>
                 <first-name>Testperson-de</first-name>
                 <last-name>Approved</last-name>
                 <gender>m</gender>
                 <date-of-birth>1960-07-07</date-of-birth>
                 <address>
                         <street1>Hellersbergstraße</street1>
                         <street2>14</street2>
                         <postal-code>41460</postal-code>
                         <city>Neuss</city>
                         <country>DE</country>
                         <house-extension>abc</house-extension>
                 </address>
                 <phone>01522113356</phone>
                 <email>youremail@email.com</email>
        </account-holder>
        <shipping>
                 <first-name>Testperson-de</first-name>
                 <last-name>Approved</last-name>
                 <address>
                         <street1>Hellersbergstraße</street1>
                         <street2>14</street2>
                         <postal-code>41460</postal-code>
                         <city>Neuss</city>
                         <country>DE</country>
                         <house-extension>abc</house-extension>
                 </address>
                 <phone>01522113356</phone>
                 <email>youremail@email.com</email>
        </shipping>
        <ip-address>127.0.0.1</ip-address>
        <order-number>180305133552543</order-number>
        <order-detail>This is a test order!</order-detail>
        <order-items>
                 <order-item>
                         <name>shoes</name>
                         <article-number>123</article-number>
                         <amount currency="EUR">10.01</amount>
                         <tax-rate>20</tax-rate>
                         <quantity>1</quantity>
                 </order-item>
        </order-items>
        <descriptor>descriptor</descriptor>
        <notifications>
                 <notification url="https://merchant.com/success" transaction-state="success" />
                 <notification url="https://merchant.com/failed" transaction-state="failed" />
        </notifications>
        <payment-methods>
                 <payment-method name="klarna-invoice" />
        </payment-methods>
        <locale>de</locale>
        <country>DE</country>
</payment>
XML Klarna Invoice Authorization Response for DE (successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>4f7d426f-04fb-4004-9d33-09731a9eab3d</transaction-id>
  <request-id>4903c0bf-a95e-43af-a8ec-c1c3b156f8bd</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-05T12:35:54.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="2385943880" provider-code="1" />
  </statuses>
  <requested-amount currency="EUR">10.01</requested-amount>
  <account-holder>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180305133552543</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes</name>
      <article-number>123</article-number>
      <amount currency="EUR">10.01</amount>
      <tax-rate>20</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>de</locale>
  <country>DE</country>
</payment>
XML Klarna Installments Authorization request for DE (successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <request-id>${unique for each request}</request-id>
        <transaction-type>authorization</transaction-type>
        <requested-amount currency="EUR">10.01</requested-amount>
        <account-holder>
                 <first-name>Testperson-de</first-name>
                 <last-name>Approved</last-name>
                 <gender>m</gender>
                 <date-of-birth>1960-07-07</date-of-birth>
                 <address>
                         <street1>Hellersbergstraße</street1>
                         <street2>14</street2>
                         <postal-code>41460</postal-code>
                         <city>Neuss</city>
                         <country>DE</country>
                         <house-extension>abc</house-extension>
                 </address>
                 <phone>01522113356</phone>
                 <email>youremail@email.com</email>
        </account-holder>
        <shipping>
                 <first-name>Testperson-de</first-name>
                 <last-name>Approved</last-name>
                 <address>
                         <street1>Hellersbergstraße</street1>
                         <street2>14</street2>
                         <postal-code>41460</postal-code>
                         <city>Neuss</city>
                         <country>DE</country>
                         <house-extension>abc</house-extension>
                 </address>
                 <phone>01522113356</phone>
                 <email>youremail@email.com</email>
        </shipping>
        <ip-address>127.0.0.1</ip-address>
        <order-number>180305134230029</order-number>
        <order-detail>This is a test order!</order-detail>
        <order-items>
                 <order-item>
                         <name>shoes</name>
                         <article-number>123</article-number>
                         <amount currency="EUR">10.01</amount>
                         <tax-rate>20</tax-rate>
                         <quantity>1</quantity>
                 </order-item>
        </order-items>
        <descriptor>descriptor</descriptor>
        <notifications>
                 <notification url="https://merchant.com/success" transaction-state="success" />
                 <notification url="https://merchant.com/failed" transaction-state="failed" />
        </notifications>
        <custom-fields>
                 <custom-field field-name="klarna.pclass" field-value="3677" />
        </custom-fields>
        <payment-methods>
                 <payment-method name="klarna-install" />
        </payment-methods>
        <locale>de</locale>
        <country>DE</country>
</payment>
XML Klarna Installments Authorization Response for DE (successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>ca054e8c-7cfb-4edb-961b-99b22fff080c</transaction-id>
  <request-id>c6e71b4f-6e98-4f17-91a8-acbf62da9798</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-05T12:42:31.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="2385944070" provider-code="1" />
  </statuses>
  <requested-amount currency="EUR">10.01</requested-amount>
  <account-holder>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180305134230029</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes</name>
      <article-number>123</article-number>
      <amount currency="EUR">10.01</amount>
      <tax-rate>20</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <custom-fields>
    <custom-field field-name="klarna.pclass" field-value="3677"></custom-field>
  </custom-fields>
  <payment-methods>
    <payment-method name="klarna-install" />
  </payment-methods>
  <locale>de</locale>
  <country>DE</country>
</payment>
XML Klarna Invoice Authorization request for NL (successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <request-id>${unique for each request}</request-id>
    <transaction-type>authorization</transaction-type>
    <requested-amount currency="EUR">10.01</requested-amount>
    <account-holder>
        <first-name>Testperson-nl</first-name>
        <last-name>Approved</last-name>
        <!-- optional in SE, FI, NO, DK -->
        <gender>m</gender>
        <!-- optional for SE, DM, FI, NO -->
        <date-of-birth>1970-07-10</date-of-birth>
        <address>
            <street1>Neherkade</street1>
            <!-- optional for AT, SE, FI, NO, DK -->
            <street2>1</street2>
            <postal-code>2521VA</postal-code>
            <city>Gravenhage</city>
            <country>NL</country>
            <!-- optional for DE, AT, SE, FI , NO , DK -->
            <house-extension>XI</house-extension>
        </address>
        <phone>0612345678</phone>
        <email>youremail@email.com</email>
    </account-holder>
    <shipping>
        <first-name>Testperson-nl</first-name>
        <last-name>Approved</last-name>
        <address>
            <street1>Neherkade</street1>
            <!-- optional for AT, SE, FI, NO, DK -->
            <street2>1</street2>
            <postal-code>2521VA</postal-code>
            <city>Gravenhage</city>
            <country>NL</country>
            <!-- optional for DE, AT, SE, FI , NO , DK -->
            <house-extension>XI</house-extension>
        </address>
        <phone>0612345678</phone>
        <email>youremail@email.com</email>
    </shipping>
    <ip-address>127.0.0.1</ip-address>
    <!-- optional -->
    <order-number>180306083525282</order-number>
    <!-- optional -->
    <order-detail>This is a test order!</order-detail>
    <order-items>
        <order-item>
            <name>ümlaut article 1.1</name>
            <article-number>123-1-1</article-number>
            <amount currency="EUR">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>1</quantity>
        </order-item>
    </order-items>
    <!-- optional -->
    <descriptor>descriptor</descriptor>
    <notifications>
          <notification url="https://merchant.com/success" transaction-state="success" />
          <notification url="https://merchant.com/failed" transaction-state="failed" />
    </notifications>
    <payment-methods>
        <payment-method name="klarna-invoice" />
    </payment-methods>
    <!-- derived payment/country if not provided -->
    <locale>nl</locale>
    <country>NL</country>
</payment>
XML Klarna Invoice Authorization Response for NL (successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>4b417698-42e7-4754-b77e-096c00133430</transaction-id>
  <request-id>f0241572-043c-4201-b084-565a6f227f21</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T07:35:26.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="2385962480" provider-code="1" />
  </statuses>
  <requested-amount currency="EUR">10.01</requested-amount>
  <account-holder>
    <first-name>Testperson-nl</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>0612345678</phone>
    <address>
      <street1>Neherkade</street1>
      <street2>1</street2>
      <city>Gravenhage</city>
      <country>NL</country>
      <postal-code>2521VA</postal-code>
      <house-extension>XI</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-nl</first-name>
    <last-name>Approved</last-name>
    <phone>0612345678</phone>
    <address>
      <street1>Neherkade</street1>
      <street2>1</street2>
      <city>Gravenhage</city>
      <country>NL</country>
      <postal-code>2521VA</postal-code>
      <house-extension>XI</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180306083525282</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>?mlaut article 1.1</name>
      <article-number>123-1-1</article-number>
      <amount currency="EUR">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>nl</locale>
  <country>NL</country>
</payment>
XML Klarna Invoice Authorization request for AT (successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <request-id>${unique for each request}</request-id>
    <transaction-type>authorization</transaction-type>
    <requested-amount currency="EUR">50.05</requested-amount>
    <account-holder>
        <first-name>Testperson-at</first-name>
        <last-name>Approved</last-name>
        <!-- optional in SE, FI, NO, DK -->
        <gender>m</gender>
        <!-- optional for SE, DM, FI, NO -->
        <date-of-birth>1960-04-14</date-of-birth>
        <address>
            <street1>Klarna-Straße 1/2/3</street1>
            <postal-code>8071</postal-code>
            <city>Hausmannstätten</city>
            <country>AT</country>
        </address>
        <phone>0676 2600000</phone>
        <email>youremail@email.com</email>
    </account-holder>
    <shipping>
        <first-name>Testperson-at</first-name>
        <last-name>Approved</last-name>
        <address>
            <street1>Klarna-Straße 1/2/3</street1>
            <postal-code>8071</postal-code>
            <city>Hausmannstätten</city>
            <country>AT</country>
        </address>
        <phone>0676 2600000</phone>
        <email>youremail@email.com</email>
    </shipping>
    <ip-address>127.0.0.1</ip-address>
    <!-- optional -->
    <order-number>180306083649044</order-number>
    <!-- optional -->
    <order-detail>This is a test order!</order-detail>
    <order-items>
        <order-item>
            <name>article 2.1</name>
            <article-number>123-2-1</article-number>
            <amount currency="EUR">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>2</quantity>
        </order-item>
        <order-item>
            <name>article 2.2</name>
            <article-number>123-2-2</article-number>
            <amount currency="EUR">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>3</quantity>
        </order-item>
    </order-items>
    <!-- optional -->
    <descriptor>descriptor</descriptor>
    <notifications>
          <notification url="https://merchant.com/success" transaction-state="success" />
          <notification url="https://merchant.com/failed" transaction-state="failed" />
    </notifications>
    <payment-methods>
        <payment-method name="klarna-invoice" />
    </payment-methods>
    <!-- derived payment/country if not provided -->
    <locale>de</locale>
    <country>AT</country>
</payment>
XML Klarna Invoice Authorization response for AT (successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>50edf5c9-a226-49b9-88ce-d253e6a53b14</transaction-id>
  <request-id>0125f98a-ebf6-42c4-a0f5-467b21a3440f</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T07:36:49.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="2385962550" provider-code="1" />
  </statuses>
  <requested-amount currency="EUR">50.05</requested-amount>
  <account-holder>
    <first-name>Testperson-at</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>0676 2600000</phone>
    <address>
      <street1>Klarna-Stra?e 1/2/3</street1>
      <city>Hausmannst?tten</city>
      <country>AT</country>
      <postal-code>8071</postal-code>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-at</first-name>
    <last-name>Approved</last-name>
    <phone>0676 2600000</phone>
    <address>
      <street1>Klarna-Stra?e 1/2/3</street1>
      <city>Hausmannst?tten</city>
      <country>AT</country>
      <postal-code>8071</postal-code>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180306083649044</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>article 2.1</name>
      <article-number>123-2-1</article-number>
      <amount currency="EUR">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>2</quantity>
    </order-item>
    <order-item>
      <name>article 2.2</name>
      <article-number>123-2-2</article-number>
      <amount currency="EUR">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>3</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>de</locale>
  <country>AT</country>
</payment>
XML Klarna Invoice Authorization request for SE (successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <request-id>8d7226f2-256d-4169-a374-41f9a1ebd417</request-id>
    <transaction-type>authorization</transaction-type>
    <requested-amount currency="SEK">90.09</requested-amount>
    <account-holder>
        <first-name>Testperson-se</first-name>
        <last-name>Approved</last-name>
        <email>youremail@email.com</email>
        <phone>0765260000</phone>
        <address>
            <street1>Stårgatan 1</street1>
            <postal-code>12345</postal-code>
            <city>Ankeborg</city>
            <country>SE</country>
        </address>
        <!-- optional for DE, AT, NL-->
        <social-security-number>410321-9202</social-security-number>
    </account-holder>
    <shipping>
        <first-name>Testperson-se</first-name>
        <last-name>Approved</last-name>
        <address>
            <street1>Stårgatan 1</street1>
            <postal-code>12345</postal-code>
            <city>Ankeborg</city>
            <country>SE</country>
        </address>
        <phone>0765260000</phone>
        <email>youremail@email.com</email>
    </shipping>
    <ip-address>127.0.0.1</ip-address>
    <!-- optional -->
    <order-number>180306084133904</order-number>
    <!-- optional -->
    <order-detail>This is a test order!</order-detail>
    <order-items>
        <order-item>
            <name>article 3.1</name>
            <article-number>123-3-1</article-number>
            <amount currency="SEK">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>2</quantity>
        </order-item>
        <order-item>
            <name>article 3.2</name>
            <article-number>123-3-2</article-number>
            <amount currency="SEK">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>3</quantity>
        </order-item>
        <order-item>
            <name>article 3.3</name>
            <article-number>123-3-3</article-number>
            <amount currency="SEK">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>4</quantity>
        </order-item>
    </order-items>
    <!-- optional -->
    <descriptor>descriptor</descriptor>
    <notifications>
          <notification url="https://merchant.com/success" transaction-state="success" />
          <notification url="https://merchant.com/failed" transaction-state="failed" />
    </notifications>
    <payment-methods>
        <payment-method name="klarna-invoice" />
    </payment-methods>
    <!-- derived payment/country if not provided -->
    <locale>sv</locale>
    <country>SE</country></payment>
XML Klarna Invoice Authorization Response for SE (successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>c90d9c81-3eb5-4138-b859-2f6044f5b4c5</transaction-id>
  <request-id>8d7226f2-256d-4169-a374-41f9a1ebd417</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T07:41:34.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="2385962700" provider-code="1" />
  </statuses>
  <requested-amount currency="SEK">90.09</requested-amount>
  <account-holder>
    <first-name>Testperson-se</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <phone>0765260000</phone>
    <address>
      <street1>St?rgatan 1</street1>
      <city>Ankeborg</city>
      <country>SE</country>
      <postal-code>12345</postal-code>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-se</first-name>
    <last-name>Approved</last-name>
    <phone>0765260000</phone>
    <address>
      <street1>St?rgatan 1</street1>
      <city>Ankeborg</city>
      <country>SE</country>
      <postal-code>12345</postal-code>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180306084133904</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>article 3.1</name>
      <article-number>123-3-1</article-number>
      <amount currency="SEK">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>2</quantity>
    </order-item>
    <order-item>
      <name>article 3.2</name>
      <article-number>123-3-2</article-number>
      <amount currency="SEK">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>3</quantity>
    </order-item>
    <order-item>
      <name>article 3.3</name>
      <article-number>123-3-3</article-number>
      <amount currency="SEK">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>4</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>sv</locale>
  <country>SE</country>
</payment>
XML Klarna Invoice Authorization request for NO (successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <request-id>${unique for each request}</request-id>
    <transaction-type>authorization</transaction-type>
    <requested-amount currency="NOK">10.01</requested-amount>
    <account-holder>
        <first-name>Testperson-no</first-name>
        <last-name>Approved</last-name>
        <email>youremail@email.com</email>
        <phone>40 123 456</phone>
        <address>
            <street1>Sæffleberggate 56</street1>
            <postal-code>0563</postal-code>
            <city>Oslo</city>
            <country>NO</country>
        </address>
        <!-- optional for DE, AT, NL-->
        <social-security-number>01087000571</social-security-number>
 </account-holder>
    <shipping>
        <first-name>Testperson-no</first-name>
        <last-name>Approved</last-name>
        <address>
            <street1>Sæffleberggate 56</street1>
            <postal-code>0563</postal-code>
            <city>Oslo</city>
            <country>NO</country>
        </address>
        <phone>40 123 456</phone>
        <email>youremail@email.com</email>
    </shipping>
    <ip-address>127.0.0.1</ip-address>
    <!-- optional -->
    <order-number>180306084214976</order-number>
    <!-- optional -->
    <order-detail>This is a test order!</order-detail>
    <order-items>
        <order-item>
            <name>ümlaut article 1.1</name>
            <article-number>123-1-1</article-number>
            <amount currency="NOK">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>1</quantity>
        </order-item>
    </order-items>
    <!-- optional -->
    <descriptor>descriptor</descriptor>
    <notifications>
          <notification url="https://merchant.com/success" transaction-state="success" />
          <notification url="https://merchant.com/failed" transaction-state="failed" />
    </notifications>
    <payment-methods>
        <payment-method name="klarna-invoice" />
    </payment-methods>
    <locale>nb</locale>
    <country>NO</country>
</payment>
XML Klarna Invoice Authorization Response for NO (successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>7965e582-ec12-4fec-a423-ebe27c569b78</transaction-id>
  <request-id>c8facf6d-7bc8-45d1-b712-372de1e3244c</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T07:42:15.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="2385962730" provider-code="1" />
  </statuses>
  <requested-amount currency="NOK">10.01</requested-amount>
  <account-holder>
    <first-name>Testperson-no</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <phone>40 123 456</phone>
    <address>
      <street1>S?ffleberggate 56</street1>
      <city>Oslo</city>
      <country>NO</country>
      <postal-code>0563</postal-code>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-no</first-name>
    <last-name>Approved</last-name>
    <phone>40 123 456</phone>
    <address>
      <street1>S?ffleberggate 56</street1>
      <city>Oslo</city>
      <country>NO</country>
      <postal-code>0563</postal-code>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180306084214976</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>?mlaut article 1.1</name>
      <article-number>123-1-1</article-number>
      <amount currency="NOK">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>nb</locale>
  <country>NO</country>
</payment>
XML Klarna Invoice Authorization request for FI (successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <request-id>f6c4a5a2-903c-4c28-96c6-b8e3bf6459a6</request-id>
    <transaction-type>authorization</transaction-type>
    <requested-amount currency="EUR">10.01</requested-amount>
    <account-holder>
        <first-name>Testperson-fi</first-name>
        <last-name>Approved</last-name>
        <email>youremail@email.com</email>
        <phone>0401234567</phone>
        <address>
            <street1>Kiväärikatu 10</street1>
            <postal-code>28100</postal-code>
            <city>Pori</city>
            <country>FI</country>
        </address>
        <!-- optional for DE, AT, NL-->
        <social-security-number>190122-829F</social-security-number>
    </account-holder>
    <shipping>
        <first-name>Testperson-fi</first-name>
        <last-name>Approved</last-name>
        <address>
            <street1>Kiväärikatu 10</street1>
            <postal-code>28100</postal-code>
            <city>Pori</city>
            <country>FI</country>
        </address>
        <phone>0401234567</phone>
        <email>youremail@email.com</email>
    </shipping>
    <ip-address>127.0.0.1</ip-address>
    <!-- optional -->
    <order-number>180306084258543</order-number>
    <!-- optional -->
    <order-detail>This is a test order!</order-detail>
    <order-items>
        <order-item>
            <name>ümlaut article 1.1</name>
            <article-number>123-1-1</article-number>
            <amount currency="EUR">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>1</quantity>
        </order-item>
    </order-items>
    <!-- optional -->
    <descriptor>descriptor</descriptor>
    <notifications>
          <notification url="https://merchant.com/success" transaction-state="success" />
          <notification url="https://merchant.com/failed" transaction-state="failed" />
    </notifications>
    <payment-methods>
        <payment-method name="klarna-invoice" />
    </payment-methods>
    <locale>fi</locale>
    <country>FI</country>
</payment>
XML Klarna Invoice Authorization Response for FI (successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>fe2d42db-d113-4aff-a605-13c8f728b5ce</transaction-id>
  <request-id>f6c4a5a2-903c-4c28-96c6-b8e3bf6459a6</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T07:42:59.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="2385962750" provider-code="1" />
  </statuses>
  <requested-amount currency="EUR">10.01</requested-amount>
  <account-holder>
    <first-name>Testperson-fi</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <phone>0401234567</phone>
    <address>
      <street1>Kiv??rikatu 10</street1>
      <city>Pori</city>
      <country>FI</country>
      <postal-code>28100</postal-code>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-fi</first-name>
    <last-name>Approved</last-name>
    <phone>0401234567</phone>
    <address>
      <street1>Kiv??rikatu 10</street1>
      <city>Pori</city>
      <country>FI</country>
      <postal-code>28100</postal-code>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180306084258543</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>?mlaut article 1.1</name>
      <article-number>123-1-1</article-number>
      <amount currency="EUR">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>fi</locale>
  <country>FI</country>
</payment>
XML Klarna Invoice Authorization request for DK (successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <request-id>93356f5c-8e2d-49bc-afdd-f15f181fb855</request-id>
    <transaction-type>authorization</transaction-type>
    <requested-amount currency="DKK">10.01</requested-amount>
    <account-holder>
        <first-name>Testperson-dk</first-name>
        <last-name>Approved</last-name>
        <email>youremail@email.com</email>
        <phone>20 123 456</phone>
        <address>
            <street1>Sæffleberggate 56,1 mf</street1>
            <postal-code>6800</postal-code>
            <city>Varde</city>
            <country>DK</country>
        </address>
        <!-- optional for DE, AT, NL-->
        <social-security-number>0801363945</social-security-number>
    </account-holder>
    <shipping>
        <first-name>Testperson-dk</first-name>
        <last-name>Approved</last-name>
        <email>youremail@email.com</email>
        <phone>20 123 456</phone>
        <address>
            <street1>Sæffleberggate 56,1 mf</street1>
            <postal-code>6800</postal-code>
            <city>Varde</city>
            <country>DK</country>
        </address>
    </shipping>
    <ip-address>127.0.0.1</ip-address>
    <!-- optional -->
    <order-number>180306084334662</order-number>
    <!-- optional -->
    <order-detail>This is a test order!</order-detail>
    <order-items>
        <order-item>
            <name>ümlaut article 1.1</name>
            <article-number>123-1-1</article-number>
            <amount currency="DKK">10.01</amount>
            <tax-rate>19.00</tax-rate>
            <quantity>1</quantity>
        </order-item>
    </order-items>
    <!-- optional -->
    <descriptor>descriptor</descriptor>
    <notifications>
          <notification url="https://merchant.com/success" transaction-state="success" />
          <notification url="https://merchant.com/failed" transaction-state="failed" />
    </notifications>
    <payment-methods>
        <payment-method name="klarna-invoice" />
    </payment-methods>
    <locale>da</locale>
    <country>DK</country>
</payment>
XML Klarna Invoice Authorization Response for DK (successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>49567d32-8f6b-421c-855a-c77cf5964348</transaction-id>
  <request-id>93356f5c-8e2d-49bc-afdd-f15f181fb855</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T07:43:35.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="2385962770" provider-code="1" />
  </statuses>
  <requested-amount currency="DKK">10.01</requested-amount>
  <account-holder>
    <first-name>Testperson-dk</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <phone>20 123 456</phone>
    <address>
      <street1>S?ffleberggate 56,1 mf</street1>
      <city>Varde</city>
      <country>DK</country>
      <postal-code>6800</postal-code>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-dk</first-name>
    <last-name>Approved</last-name>
    <phone>20 123 456</phone>
    <address>
      <street1>S?ffleberggate 56,1 mf</street1>
      <city>Varde</city>
      <country>DK</country>
      <postal-code>6800</postal-code>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180306084334662</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>?mlaut article 1.1</name>
      <article-number>123-1-1</article-number>
      <amount currency="DKK">10.01</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>da</locale>
  <country>DK</country>
</payment>
XML Authorization Request (Failed)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <!--unique for each request-->
        <request-id>c062e0d0-ad11-4236-aa91-fde2695c33d4</request-id>
        <transaction-type>authorization</transaction-type>
        <requested-amount currency="EUR">10.01</requested-amount>
        <account-holder>
                 <first-name>Testperson-de</first-name>
                 <last-name>Denied</last-name>
                 <gender>m</gender>
                 <date-of-birth>1960-07-07</date-of-birth>
                 <address>
                         <street1>Hellersbergstraße</street1>
                         <street2>14</street2>
                         <postal-code>41460</postal-code>
                         <city>Neuss</city>
                         <country>DE</country>
                         <house-extension>abc</house-extension>
                 </address>
                 <phone>01522113356</phone>
                 <email>youremail@email.com</email>
        </account-holder>
        <shipping>
                 <first-name>Testperson-de</first-name>
                 <last-name>Denied</last-name>
                 <address>
                         <street1>Hellersbergstraße</street1>
                         <street2>14</street2>
                         <postal-code>41460</postal-code>
                         <city>Neuss</city>
                         <country>DE</country>
                         <house-extension>abc</house-extension>
                 </address>
                 <phone>01522113356</phone>
                 <email>youremail@email.com</email>
        </shipping>
        <ip-address>127.0.0.1</ip-address>
        <order-number>180306102342116</order-number>
        <order-detail>This is a denied test order!</order-detail>
        <order-items>
                 <order-item>
                         <name>shoes</name>
                         <article-number>123</article-number>
                         <amount currency="EUR">10.01</amount>
                         <tax-rate>20</tax-rate>
                         <quantity>1</quantity>
                 </order-item>
        </order-items>
        <descriptor>descriptor</descriptor>
        <notifications>
                 <notification url="https://merchant.com/success" transaction-state="success" />
                 <notification url="https://merchant.com/failed" transaction-state="failed" />
        </notifications>
        <payment-methods>
                 <payment-method name="klarna-invoice" />
        </payment-methods>
        <locale>de</locale>
        <country>DE</country>
</payment>
XML Authorization Response (Failed)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>0df5906f-5597-454c-bed8-64cf6c5fb51e</transaction-id>
  <request-id>c062e0d0-ad11-4236-aa91-fde2695c33d4</request-id>
  <transaction-type>authorization</transaction-type>
  <transaction-state>failed</transaction-state>
  <completion-time-stamp>2018-03-06T09:23:42.000Z</completion-time-stamp>
  <statuses>
    <status code="500.3002" description="Risk: General risk management rejection" severity="error" provider-code="2102" provider-message="Leider können wir diesen Einkauf nicht über Klarna abwickeln. Bitte wählen Sie eine alternative Zahlungsoption aus, um Ihre Bestellung abzuschließen." />
  </statuses>
  <requested-amount currency="EUR">10.01</requested-amount>
  <account-holder>
    <first-name>Testperson-de</first-name>
    <last-name>Denied</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de</first-name>
    <last-name>Denied</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180306102342116</order-number>
  <order-detail>This is a denied test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes</name>
      <article-number>123</article-number>
      <amount currency="EUR">10.01</amount>
      <tax-rate>20</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>de</locale>
  <country>DE</country>
</payment>
XML Pending Authorization Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <!--unique for each request-->
        <request-id>44073392-b5d4-4daa-a7e0-ed805f14d249</request-id>
        <transaction-type>authorization</transaction-type>
        <requested-amount currency="EUR">10.01</requested-amount>
        <account-holder>
                 <first-name>Testperson-de</first-name>
                 <last-name>Approved</last-name>
                 <gender>m</gender>
                 <date-of-birth>1960-07-07</date-of-birth>
                 <address>
                         <street1>Hellersbergstraße</street1>
                         <street2>14</street2>
                         <postal-code>41460</postal-code>
                         <city>Neuss</city>
                         <country>DE</country>
                         <house-extension>abc</house-extension>
                 </address>
                 <phone>01522113356</phone>
                 <email>pending_accepted@klarna.com</email>
        </account-holder>
        <shipping>
                 <first-name>Testperson-de</first-name>
                 <last-name>Approved</last-name>
                 <address>
                         <street1>Hellersbergstraße</street1>
                         <street2>14</street2>
                         <postal-code>41460</postal-code>
                         <city>Neuss</city>
                         <country>DE</country>
                         <house-extension>abc</house-extension>
                 </address>
                 <phone>01522113356</phone>
                 <email>pending_accepted@klarna.com</email>
        </shipping>
        <ip-address>127.0.0.1</ip-address>
        <order-number>180306090428705</order-number>
        <order-detail>This is a test order!</order-detail>
        <order-items>
                 <order-item>
                         <name>shoes</name>
                         <article-number>123</article-number>
                         <amount currency="EUR">10.01</amount>
                         <tax-rate>20</tax-rate>
                         <quantity>1</quantity>
                 </order-item>
        </order-items>
        <descriptor>descriptor</descriptor>
        <notifications>
                 <notification url="https://merchant.com/success" transaction-state="success" />
                 <notification url="https://merchant.com/failed" transaction-state="failed" />
        </notifications>
        <payment-methods>
                 <payment-method name="klarna-invoice" />
        </payment-methods>
        <locale>de</locale>
        <country>DE</country>
</payment>
XML Pending Authorization Response(Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>bdd318e3-d714-4a61-af41-478c328105ec</transaction-id>
  <request-id>44073392-b5d4-4daa-a7e0-ed805f14d249</request-id>
  <transaction-type>pending-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T08:04:30.000Z</completion-time-stamp>
  <statuses>
    <status code="200.0000" description="The request completed successfully." severity="information" provider-transaction-id="2385963840" provider-code="2" />
  </statuses>
  <requested-amount currency="EUR">10.01</requested-amount>
  <account-holder>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <email>pending_accepted@klarna.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>pending_accepted@klarna.com</email>
  </shipping>
  <ip-address>127.0.0.1</ip-address>
  <order-number>180306090428705</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes</name>
      <article-number>123</article-number>
      <amount currency="EUR">10.01</amount>
      <tax-rate>20</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success"></notification>
    <notification transaction-state="failed" url="https://merchant.com/failed"></notification>
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <locale>de</locale>
  <country>DE</country>
</payment>
adjust-authorization
XML Adjust Authorization Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <request-id>03bac724-4e15-4bab-b9c3-411ea1b9ea22</request-id>
  <transaction-type>adjust-authorization</transaction-type>
  <requested-amount currency="EUR">26.01</requested-amount>
  <parent-transaction-id>4f7d426f-04fb-4004-9d33-09731a9eab3d</parent-transaction-id>
 <account-holder>
                 <first-name>Testperson-de updated</first-name>
                 <last-name>Approved</last-name>
                 <email>youremail@email.com</email>
                 <gender>m</gender>
                 <phone>01522113356</phone>
                 <address>
                         <street1>Hellersbergstraße updated</street1>
                         <street2>14</street2>
                         <city>Neuss</city>
                         <country>DE</country>
                         <postal-code>41460</postal-code>
                         <house-extension>abc</house-extension>
                 </address>
        </account-holder>
        <shipping>
                 <first-name>Testperson-de updated</first-name>
                 <last-name>Approved</last-name>
                 <phone>01522113356</phone>
                 <address>
                         <street1>Hellersbergstraße updated</street1>
                         <street2>14</street2>
                         <city>Neuss</city>
                         <country>DE</country>
                         <postal-code>41460</postal-code>
                         <house-extension>abc</house-extension>
                 </address>
                 <email>youremail@email.com</email>
        </shipping>
  <order-number>180306091204408</order-number>
  <order-items>
    <order-item>
        <name>shoes updated</name>
                 <article-number>123</article-number>
                 <amount currency="EUR">6.01</amount>
                 <tax-rate>20</tax-rate>
                 <quantity>1</quantity>
    </order-item>
    <order-item>
        <name>shoes</name>
                 <article-number>124</article-number>
                 <amount currency="EUR">20</amount>
                 <tax-rate>19</tax-rate>
                 <quantity>1</quantity>
    </order-item>
  </order-items>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
</payment>
XML Adjust Authorization Response (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>2d3f0b1a-3e7a-4f7a-a9cd-0e883e8a2cf6</transaction-id>
  <request-id>03bac724-4e15-4bab-b9c3-411ea1b9ea22</request-id>
  <transaction-type>adjust-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T08:12:05.000Z</completion-time-stamp>
  <statuses>
    <status code="200.0000" description="The request completed successfully." severity="information" provider-code="true" />
  </statuses>
  <requested-amount currency="EUR">26.01</requested-amount>
  <parent-transaction-id>4f7d426f-04fb-4004-9d33-09731a9eab3d</parent-transaction-id>
  <account-holder>
    <first-name>Testperson-de updated</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e updated</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de updated</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e updated</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <order-number>180306091204408</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes updated</name>
      <article-number>123</article-number>
      <amount currency="EUR">6.01</amount>
      <tax-rate>20</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>shoes</name>
      <article-number>124</article-number>
      <amount currency="EUR">20</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success" />
    <notification transaction-state="failed" url="https://merchant.com/failed" />
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <api-id>---</api-id>
  <locale>de</locale>
  <country>DE</country>
</payment>
XML Adjust Authorization Request (Failed)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <request-id>369c60e6-3c20-48c2-808e-4169d2340507</request-id>
  <transaction-type>adjust-authorization</transaction-type>
  <requested-amount currency="EUR">26.01</requested-amount>
  <parent-transaction-id>4b417698-42e7-4754-b77e-096c00133430</parent-transaction-id>
 <account-holder>
                 <first-name>Testperson-de updated</first-name>
                 <last-name>Approved</last-name>
                 <email>youremail@email.com</email>
                 <gender>m</gender>
                 <phone>01522113356</phone>
                 <address>
                         <street1>Hellersbergstraße updated</street1>
                         <street2>14</street2>
                         <city>Neuss</city>
                         <country>AT</country>
                         <postal-code>41460</postal-code>
                         <house-extension>abc</house-extension>
                 </address>
        </account-holder>
        <shipping>
                 <first-name>Testperson-de updated</first-name>
                 <last-name>Approved</last-name>
                 <phone>01522113356</phone>
                 <address>
                         <street1>Hellersbergstraße updated</street1>
                         <street2>14</street2>
                         <city>Neuss</city>
                         <country>AT</country>
                         <postal-code>41460</postal-code>
                         <house-extension>abc</house-extension>
                 </address>
                 <email>youremail@email.com</email>
        </shipping>
  <order-number>180306091407814</order-number>
  <order-items>
    <order-item>
        <name>shoes updated</name>
                 <article-number>123</article-number>
                 <amount currency="EUR">6.01</amount>
                 <tax-rate>20</tax-rate>
                 <quantity>1</quantity>
    </order-item>
    <order-item>
        <name>shoes</name>
                 <article-number>124</article-number>
                 <amount currency="EUR">20</amount>
                 <tax-rate>19</tax-rate>
                 <quantity>1</quantity>
    </order-item>
  </order-items>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
</payment>
XML Adjust Authorization Response (Failed)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>e0a84353-4c5a-4205-a9b3-1a3097aa1185</transaction-id>
  <request-id>369c60e6-3c20-48c2-808e-4169d2340507</request-id>
  <transaction-type>adjust-authorization</transaction-type>
  <transaction-state>failed</transaction-state>
  <completion-time-stamp>2018-03-06T08:14:07.000Z</completion-time-stamp>
  <statuses>
    <status code="400.1418" description="The payment, shipment and account holder country must be the same. Please check your input and try again." severity="error" />
  </statuses>
  <requested-amount currency="EUR">26.01</requested-amount>
  <parent-transaction-id>4b417698-42e7-4754-b77e-096c00133430</parent-transaction-id>
  <account-holder>
    <first-name>Testperson-de updated</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e updated</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>AT</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de updated</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e updated</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>AT</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <order-number>180306091407814</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes updated</name>
      <article-number>123</article-number>
      <amount currency="EUR">6.01</amount>
      <tax-rate>20</tax-rate>
      <quantity>1</quantity>
    </order-item>
    <order-item>
      <name>shoes</name>
      <article-number>124</article-number>
      <amount currency="EUR">20</amount>
      <tax-rate>19</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success" />
    <notification transaction-state="failed" url="https://merchant.com/failed" />
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <api-id>---</api-id>
  <locale>nl</locale>
  <country>NL</country>
</payment>
authorization-renewal
XML Authorization Renewal Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <request-id>fb41dfc6-f09b-4fee-a2b7-594c6737c296</request-id>
        <transaction-type>authorization-renewal</transaction-type>
        <parent-transaction-id>7965e582-ec12-4fec-a423-ebe27c569b78</parent-transaction-id>
        <payment-methods>
                 <payment-method name="klarna-invoice" />
        </payment-methods>
</payment>
XML Authorization Renewal Response(Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>8ff3d1ad-2007-49b2-bb8c-9f9547a358ca</transaction-id>
  <request-id>fb41dfc6-f09b-4fee-a2b7-594c6737c296</request-id>
  <transaction-type>authorization-renewal</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-20T11:42:52.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-code="1" />
  </statuses>
  <requested-amount currency="NOK">10.01</requested-amount>
  <parent-transaction-id>7965e582-ec12-4fec-a423-ebe27c569b78</parent-transaction-id>
  <account-holder>
    <first-name>Testperson-no</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <phone>40 123 456</phone>
    <address>
      <street1>S?ffleberggate 56</street1>
      <city>Oslo</city>
      <country>NO</country>
      <postal-code>0563</postal-code>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-no</first-name>
    <last-name>Approved</last-name>
    <phone>40 123 456</phone>
    <address>
      <street1>S?ffleberggate 56</street1>
      <city>Oslo</city>
      <country>NO</country>
      <postal-code>0563</postal-code>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <order-number>180306084214976</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>?mlaut article 1.1</name>
      <article-number>123-1-1</article-number>
      <amount currency="NOK">10.010000</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success" />
    <notification transaction-state="failed" url="https://merchant.com/failed" />
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <api-id>---</api-id>
  <locale>nb</locale>
  <expiration-date>2018-04-03T12:42:51.000+02:00</expiration-date>
  <country>NO</country>
</payment>
XML Authorization Renewal Request (Failed)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <request-id>a7fdf4b6-1373-4ad0-a9e5-85001e168300</request-id>
        <transaction-type>authorization-renewal</transaction-type>
        <parent-transaction-id>fe2d42db-d113-4aff-a605-13c8f728b5ce</parent-transaction-id>
        <payment-methods>
                 <payment-method name="klarna-invoice" />
        </payment-methods>
</payment>
XML Authorization Renewal Response(Failed)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>a61f369e-828d-4114-a813-ed2616215cfb</transaction-id>
  <request-id>a7fdf4b6-1373-4ad0-a9e5-85001e168300</request-id>
  <transaction-type>authorization-renewal</transaction-type>
  <transaction-state>failed</transaction-state>
  <completion-time-stamp>2018-03-06T08:17:08.000Z</completion-time-stamp>
  <statuses>
    <status code="500.1999" description="The acquirer returned an unknown response.  Contact Technical Support." severity="error" provider-code="8203" provider-message="Reservationen som du försöker förlänga är fortfarande aktiv och går därför ej att förlänga." />
  </statuses>
  <requested-amount currency="EUR">10.01</requested-amount>
  <parent-transaction-id>fe2d42db-d113-4aff-a605-13c8f728b5ce</parent-transaction-id>
  <account-holder>
    <first-name>Testperson-fi</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <phone>0401234567</phone>
    <address>
      <street1>Kiv??rikatu 10</street1>
      <city>Pori</city>
      <country>FI</country>
      <postal-code>28100</postal-code>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-fi</first-name>
    <last-name>Approved</last-name>
    <phone>0401234567</phone>
    <address>
      <street1>Kiv??rikatu 10</street1>
      <city>Pori</city>
      <country>FI</country>
      <postal-code>28100</postal-code>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <order-number>180306084258543</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>?mlaut article 1.1</name>
      <article-number>123-1-1</article-number>
      <amount currency="EUR">10.010000</amount>
      <tax-rate>19.00</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success" />
    <notification transaction-state="failed" url="https://merchant.com/failed" />
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <api-id>---</api-id>
  <locale>fi</locale>
  <country>FI</country>
</payment>
void-authorization
XML Void Authorization Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <request-id>d6e5d600-4dc8-49fa-862c-bc75851617ac</request-id>
  <transaction-type>void-authorization</transaction-type>
  <parent-transaction-id>b9e50fc5-bbcf-47e7-a455-edd0ce7b054f</parent-transaction-id>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
</payment>
XML Void Authorization Response(Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>85f4db87-03f3-45bc-a187-234d3434bc72</transaction-id>
  <request-id>d6e5d600-4dc8-49fa-862c-bc75851617ac</request-id>
  <transaction-type>void-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T08:26:54.000Z</completion-time-stamp>
  <statuses>
    <status code="200.0000" description="The request completed successfully." severity="information" provider-code="true" />
  </statuses>
  <requested-amount currency="EUR">40.00</requested-amount>
  <parent-transaction-id>b9e50fc5-bbcf-47e7-a455-edd0ce7b054f</parent-transaction-id>
  <account-holder>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <order-number>180306092314330</order-number>
  <order-detail>This is a test order!</order-detail>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success" />
    <notification transaction-state="failed" url="https://merchant.com/failed" />
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <api-id>---</api-id>
  <locale>de</locale>
  <country>DE</country>
  <provider-transaction-reference-id>3068492071</provider-transaction-reference-id>
</payment>
capture-authorization
XML Full Capture Authorization Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <request-id>308923d8-83bf-4739-8b1c-5dc8963d5bc0</request-id>
  <transaction-type>capture-authorization</transaction-type><parent-transaction-id>35bdae97-487f-47bc-a137-7b630230b14a</parent-transaction-id>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
</payment>
XML Full Capture Authorization Response (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>82e6ce09-4ed5-4514-bfe7-633bfdbfc1ff</transaction-id>
  <request-id>308923d8-83bf-4739-8b1c-5dc8963d5bc0</request-id>
  <transaction-type>capture-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T08:30:59.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="1005766090433" provider-code="5" />
  </statuses>
  <requested-amount currency="EUR">10.01</requested-amount>
  <parent-transaction-id>35bdae97-487f-47bc-a137-7b630230b14a</parent-transaction-id>
  <account-holder>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <order-number>180306093025629</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes</name>
      <article-number>123</article-number>
      <amount currency="EUR">10.010000</amount>
      <tax-rate>20.00</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success" />
    <notification transaction-state="failed" url="https://merchant.com/failed" />
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <api-id>---</api-id>
  <locale>de</locale>
  <invoice>
    <invoice-number>1005766090433</invoice-number>
    <invoice-url>https://online.testdrive.klarna.com/invoices/1005766090433.pdf?secret=NkNuPvYhxK9bgzQ6Kxsl%2BGz3%2FejOkG8E6Ss8FjzOU4RlGnLvTLrX8V7y6oQrE9KRUDuCUSRVoDa97HlckgIKRg%3D%3D</invoice-url>
  </invoice>
  <country>DE</country>
  <provider-transaction-reference-id>3611619048</provider-transaction-reference-id>
</payment>
XML Partial Capture Authorization Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <request-id>9bf99908-e5e5-4b8c-b49c-2afc5822f940</request-id>
  <transaction-type>capture-authorization</transaction-type>
  <requested-amount currency="EUR">30</requested-amount>
  <parent-transaction-id>b9e50fc5-bbcf-47e7-a455-edd0ce7b054f</parent-transaction-id>
 <order-items>
        <order-item>
            <name>shoes</name>
            <article-number>123</article-number>
            <amount currency="EUR">10</amount>
            <tax-rate>20</tax-rate>
            <quantity>3</quantity>
        </order-item>
    </order-items>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
</payment>
XML Partial Capture Authorization Response (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>b8b35f2d-4666-49ff-9b3a-25396e2dd368</transaction-id>
  <request-id>9bf99908-e5e5-4b8c-b49c-2afc5822f940</request-id>
  <transaction-type>capture-authorization</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T08:25:21.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="1005766080434" provider-code="5" />
  </statuses>
  <requested-amount currency="EUR">30</requested-amount>
  <parent-transaction-id>b9e50fc5-bbcf-47e7-a455-edd0ce7b054f</parent-transaction-id>
  <account-holder>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <order-number>180306092314330</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes</name>
      <article-number>123</article-number>
      <amount currency="EUR">10</amount>
      <tax-rate>20</tax-rate>
      <quantity>3</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success" />
    <notification transaction-state="failed" url="https://merchant.com/failed" />
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <api-id>---</api-id>
  <locale>de</locale>
  <invoice>
    <invoice-number>1005766080434</invoice-number>
    <invoice-url>https://online.testdrive.klarna.com/invoices/1005766080434.pdf?secret=AtEvoagEpqsjBycU3Xi1rd1pIX2Bb9WcdLXp0qHQKwho7JszmHLYnRKmGA0R6oXtGBxfqUItc72MuqxTt9zopA%3D%3D</invoice-url>
  </invoice>
  <country>DE</country>
  <provider-transaction-reference-id>5507507409</provider-transaction-reference-id>
</payment>
refund-capture
XML Full Refund Capture Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <request-id>d6bb59dd-387c-4a6c-8af7-e472bcf76585</request-id>
        <transaction-type>refund-capture</transaction-type>
        <requested-amount currency="EUR">10.01</requested-amount>
        <parent-transaction-id>82e6ce09-4ed5-4514-bfe7-633bfdbfc1ff</parent-transaction-id>
        <payment-methods>
                 <payment-method name="klarna-invoice" />
        </payment-methods>
</payment>
XML Full Refund Capture Response (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <request-id>d6bb59dd-387c-4a6c-8af7-e472bcf76585</request-id>
        <transaction-type>refund-capture</transaction-type>
        <requested-amount currency="EUR">10.01</requested-amount>
        <parent-transaction-id>82e6ce09-4ed5-4514-bfe7-633bfdbfc1ff</parent-transaction-id>
        <payment-methods>
                 <payment-method name="klarna-invoice" />
        </payment-methods>
</payment>
XML Partial Refund Capture Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
        <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
        <request-id>3ff5a760-0cc4-4b4e-bc4a-d3a916e68928</request-id>
        <transaction-type>refund-capture</transaction-type>
        <requested-amount currency="EUR">10</requested-amount>
        <parent-transaction-id>b8b35f2d-4666-49ff-9b3a-25396e2dd368</parent-transaction-id>
        <order-items>
                 <order-item>
                         <name>shoes</name>
                         <article-number>123</article-number>
                         <amount currency="EUR">10</amount>
                         <tax-rate>20</tax-rate>
                         <quantity>1</quantity>
                 </order-item>
        </order-items>
        <payment-methods>
                 <payment-method name="klarna-invoice" />
        </payment-methods>
</payment>
XML Partial Refund Capture Response (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <transaction-id>4017a6d6-20a6-4d39-ad5e-5ac1f3b36c73</transaction-id>
  <request-id>3ff5a760-0cc4-4b4e-bc4a-d3a916e68928</request-id>
  <transaction-type>refund-capture</transaction-type>
  <transaction-state>success</transaction-state>
  <completion-time-stamp>2018-03-06T08:28:50.000Z</completion-time-stamp>
  <statuses>
    <status code="201.0000" description="The resource was successfully created." severity="information" provider-transaction-id="1005766080434" provider-code="1" />
  </statuses>
  <requested-amount currency="EUR">10</requested-amount>
  <parent-transaction-id>b8b35f2d-4666-49ff-9b3a-25396e2dd368</parent-transaction-id>
  <account-holder>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <email>youremail@email.com</email>
    <gender>m</gender>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
  </account-holder>
  <shipping>
    <first-name>Testperson-de</first-name>
    <last-name>Approved</last-name>
    <phone>01522113356</phone>
    <address>
      <street1>Hellersbergstra?e</street1>
      <street2>14</street2>
      <city>Neuss</city>
      <country>DE</country>
      <postal-code>41460</postal-code>
      <house-extension>abc</house-extension>
    </address>
    <email>youremail@email.com</email>
  </shipping>
  <order-number>180306092314330</order-number>
  <order-detail>This is a test order!</order-detail>
  <order-items>
    <order-item>
      <name>shoes</name>
      <article-number>123</article-number>
      <amount currency="EUR">10</amount>
      <tax-rate>20</tax-rate>
      <quantity>1</quantity>
    </order-item>
  </order-items>
  <descriptor>descriptor</descriptor>
  <notifications>
    <notification transaction-state="success" url="https://merchant.com/success" />
    <notification transaction-state="failed" url="https://merchant.com/failed" />
  </notifications>
  <payment-methods>
    <payment-method name="klarna-invoice" />
  </payment-methods>
  <api-id>---</api-id>
  <locale>de</locale>
  <invoice>
    <invoice-number>1005766080434</invoice-number>
    <invoice-url>https://online.testdrive.klarna.com/invoices/1005766080434.pdf?secret=AtEvoagEpqsjBycU3Xi1rd1pIX2Bb9WcdLXp0qHQKwho7JszmHLYnRKmGA0R6oXtGBxfqUItc72MuqxTt9zopA%3D%3D</invoice-url>
  </invoice>
  <country>DE</country>
  <provider-transaction-reference-id>5510862557</provider-transaction-reference-id>
</payment>
get-address
The get-address request is being sent to https://api-test.wirecard.com/engine/rest/utils/getaddress
XML Get Address Request (Successful)
<?xml version="1.0" encoding="utf-8"?>
<get-address-request xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-invoice</payment-method>
    <social-security-number>410321-9202</social-security-number>
    <country>SE</country>
    <ip-address>127.0.0.1</ip-address></get-address-request>
XML Get Address Response (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<get-address-response xmlns="http://www.elastic-payments.com/schema/utils">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <payment-method>klarna-invoice</payment-method>
  <state>success</state>
  <statuses>
    <status code="200.0000" description="Successful Response" severity="information" />
  </statuses>
  <social-security-number>410321-9202</social-security-number>
  <addresses>
    <address>
      <first-name>Testperson-se</first-name>
      <last-name>Approved</last-name>
      <street>Stårgatan 1</street>
      <postal-code>12345</postal-code>
      <city>Ankeborg</city>
      <country>SE</country>
    </address>
  </addresses>
  <ip-address>127.0.0.1</ip-address>
</get-address-response>
klarna-install
The Installment Calculator request is being sent to https://api-test.wirecard.com/engine/rest/utils/installmentcalculator
XML Installment Calculator Request for DE (Successful)
<?xml version="1.0" encoding="utf-8"?>
<installment-calculator-request xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-install</payment-method>
    <amount currency="EUR">100</amount>
    <locale>de_de</locale>
</installment-calculator-request>
XML Installment Calculator Response for DE (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<installment-calculator-response xmlns="http://www.elastic-payments.com/schema/utils">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <payment-method>klarna-install</payment-method>
  <state>success</state>
  <statuses>
    <status code="200.0000" description="Successful Response" severity="information" />
  </statuses>
  <amount currency="EUR">100</amount>
  <locale>de_de</locale>
  <installments>
    <installment>
      <product-id>-1</product-id>
      <name>Invoice</name>
      <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/de_de/invoice?fee=</terms>
      <logo>https://cdn.klarna.com/1.0/shared/image/generic/logo/de_de/basic/blue-black.png</logo>
      <title>In 14 Tagen bezahlen</title>
      <type label="Rechnung">invoice</type>
    </installment>
    <installment>
      <product-id>3677</product-id>
      <name>Account</name>
      <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/de_de/account</terms>
      <logo>https://cdn.klarna.com/1.0/shared/image/generic/logo/de_de/basic/blue-black.png</logo>
      <details>
        <interest-rate label="Variabler Sollzinssatz" symbol="%">0,00</interest-rate>
        <monthly-invoice-fee label="Zzgl. fester Monatsbetrag" symbol="€">3,95</monthly-invoice-fee>
        <setup-fee label="Einmalige Gebühr" symbol="€">0,00</setup-fee>
        <monthly-pay label="Monatliche Mindestrate" symbol="€">6,95</monthly-pay>
      </details>
      <title>Flexible Laufzeit</title>
      <description>Variabler Sollzinssatz 0,00 %, zzgl. fester Monatsbetrag 3,95 €, Ab 6,95 € pro Monat.</description>
      <use-case>Beispiel: Verfügungsrahmen 199,99 €. Bei Ausnutzung des vollen Verfügungsrahmens und Rückzahlung in 12 Monatlichen Raten zu je 18,21 € beträgt der effektive Jahreszins 18,07% und der Gesamtbetrag 218,57 €.</use-case>
      <type label="Ratenkauf">part-payment</type>
    </installment>
  </installments>
</installment-calculator-response>
XML Installment Calculator Request for DK (Successful)
<?xml version="1.0" encoding="utf-8"?>
<installment-calculator-request xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-install</payment-method>
    <amount currency="DKK">40</amount>
    <locale>da_dk</locale>
</installment-calculator-request>
XML Installment Calculator Response for DK (Successful)
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<installment-calculator-response xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-install</payment-method>
    <state>success</state>
    <statuses>
        <status code="200.0000" description="Successful Response" severity="information" />
    </statuses>
    <amount currency="DKK">40</amount>
    <locale>da_dk</locale>
    <installments>
        <installment>
            <product-id>3107</product-id>
            <name>Afbetaling</name>
            <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/da_dk/account</terms>
            <logo>http://cdn.klarna.com/1.0/shared/image/generic/badge/da_dk/slice_it/standard/pink.svg</logo>
            <details>
                <interest-rate label="Rørlig årsrente" symbol="%">19.95</interest-rate>
                <monthly-invoice-fee label="Administrationsgebyr" symbol="kr/md">39.0</monthly-invoice-fee>
                <setup-fee label="Oprettelsegebyr" symbol="kr">0.0</setup-fee>
                <monthly-pay label="Delbetala fra" symbol="kr/md">80.0</monthly-pay>
                <months>24</months>
                <minimum-amount>0.0</minimum-amount>
            </details>
            <title>Konto - Betal I dit eget tempo</title>
            <description>Rørlig årsrente 19.95 %, Administrationsgebyr 39.0 kr/md, Delbetala fra 80.0 kr/md.</description>
            <use-case>Lad os sige, at du køber for 10.000 kr. Administrativt gebyr er 39 kr./md., og rørlig årsrente er 22,70 %. Du betaler 978 kr. af hver måned i 12 mdr. Den årlige effektive rente bliver da 35,41 %, kreditomkostningerne 1740 kr og kreditkøbspris bliver 11.740 kr.</use-case>
            <type label="Afbetaling">part-payment</type>
        </installment>
        <installment>
            <product-id>3516</product-id>
            <details>
                <interest-rate>0.0</interest-rate>
                <monthly-invoice-fee>29.0</monthly-invoice-fee>
                <setup-fee>0.0</setup-fee>
                <months>0</months>
                <minimum-amount>0.0</minimum-amount>
            </details>
            <title>K&amp;#248;b nu - Betal om 5 m&amp;#229;neder</title>
            <type>invoice</type>
        </installment>
        <installment>
            <product-id>3860</product-id>
            <name>Afbetaling</name>
            <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/da_dk/account</terms>
            <logo>http://cdn.klarna.com/1.0/shared/image/generic/badge/da_dk/slice_it/standard/pink.svg</logo>
            <details>
                <interest-rate label="Årlig rente" symbol="%">0.0</interest-rate>
                <monthly-invoice-fee label="Administrationsgebyr" symbol="kr/md">0.0</monthly-invoice-fee>
                <setup-fee label="Oprettelsegebyr" symbol="kr">0.0</setup-fee>
                <monthly-pay label="Månedlig omkostning" symbol="kr/md">40.0</monthly-pay>
                <annual-percentage-rate label="Effektiv rente" symbol="%">0.2</annual-percentage-rate>
                <months label="Måneder">1</months>
                <total-credit-purchase-price label="Kreditkøbspris" symbol="kr">40.0</total-credit-purchase-price>
                <minimum-amount>0.0</minimum-amount>
            </details>
            <title>40.0 kr/måned i 1 måneder</title>
            <description>Årlig rente 0.0 %, administrationsgebyr 0.0 kr/md, oprettelsegebyr 0.0, månedlig omkostning 40.0 kr/md i 1 måneder, effektiv rente 0.2, kreditkøbspris 40.0.</description>
            <type label="Afbetaling">part-payment</type>
        </installment>
    </installments>
</installment-calculator-response>
XML Installment Calculator Request for NO (Successful)
<?xml version="1.0" encoding="utf-8"?>
<installment-calculator-request xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-install</payment-method>
    <amount currency="NOK">100</amount>
    <locale>nb_no</locale>
</installment-calculator-request>
XML Installment Calculator Response for NO (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<installment-calculator-response xmlns="http://www.elastic-payments.com/schema/utils">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <payment-method>klarna-install</payment-method>
  <state>success</state>
  <statuses>
    <status code="200.0000" description="Successful Response" severity="information" />
  </statuses>
  <amount currency="NOK">100</amount>
  <locale>nb_no</locale>
  <installments>
    <installment>
      <product-id>-1</product-id>
      <name>Invoice</name>
      <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/nb_no/invoice?fee=</terms>
      <logo>https://cdn.klarna.com/1.0/shared/image/generic/logo/nb_no/basic/blue-black.png</logo>
      <title>Betal om 14 dager</title>
      <type label="Faktura">invoice</type>
    </installment>
    <installment>
      <product-id>3100</product-id>
      <name>Account</name>
      <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/nb_no/account</terms>
      <logo>https://cdn.klarna.com/1.0/shared/image/generic/logo/nb_no/basic/blue-black.png</logo>
      <details>
        <interest-rate label="Årsrente" symbol="%">22,00</interest-rate>
        <monthly-invoice-fee label="Administrajonsgebyr" symbol="kr">45,00</monthly-invoice-fee>
        <setup-fee label="Etableringsgebyr" symbol="kr">0,00</setup-fee>
        <monthly-pay label="Delbetal fra">95 kr/manad, minst 1/24 av totalbeløpet</monthly-pay>
      </details>
      <title>Konto - delbetal i din egen takt</title>
      <description>Rente 22,00 %, gebyr 45,00 kr, etableringsgebyr 0,00 kr.</description>
      <use-case>Ved for eksempel et kjøp på 5000 kr med Klarna konto basisvilkår tilkommer det ingen etableringsgebyr. Årsrenten er 22 % og nedbetaling over 12 måneder på 513 kr stk har en effektiv rente på 48,56 %. Total kredittkjøpspris er 6156 kr.</use-case>
      <type label="Delbetaling">part-payment</type>
    </installment>
  </installments>
</installment-calculator-response>
Please request the Installment Calculator for Finland with a minimum amount of 100 Euros.
XML Installment Calculator Request for FI (Successful)
<?xml version="1.0" encoding="utf-8"?>
<installment-calculator-request xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-install</payment-method>
    <amount currency="EUR">100</amount>
    <locale>fi_fi</locale>
</installment-calculator-request>
XML Installment Calculator Response for FI (Successful)
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<installment-calculator-response xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-install</payment-method>
    <state>success</state>
    <statuses>
        <status code="200.0000" description="Successful Response" severity="information"/>
    </statuses>
    <amount currency="EUR">100</amount>
    <locale>fi_fi</locale>
    <installments>
        <installment>
            <product-id>-1</product-id>
            <name>Invoice</name>
            <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/fi_fi/invoice?fee=</terms>
            <logo>https://cdn.klarna.com/1.0/shared/image/generic/logo/fi_fi/basic/blue-black.png</logo>
            <title>Maksa 14 päivän kuluessa</title>
            <type label="Lasku">invoice</type>
        </installment>
        <installment>
            <product-id>3093</product-id>
            <name>Account</name>
            <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/fi_fi/account</terms>
            <logo>https://cdn.klarna.com/1.0/shared/image/generic/logo/fi_fi/basic/blue-black.png</logo>
            <details>
                <interest-rate label="vuosikorko" symbol="%">0,00</interest-rate>
                <monthly-invoice-fee label="hallinnointimaksu" symbol="€">2,95</monthly-invoice-fee>
                <setup-fee label="perustamismaksu" symbol="€">0,00</setup-fee>
                <monthly-pay label="kuukausierä" symbol="€">8,95</monthly-pay>
                <annual-percentage-rate label="todellinen vuosikorko" symbol="%">79,61</annual-percentage-rate>
                <total-credit-purchase-price label="luoton kokonaissumma" symbol="€">344,85</total-credit-purchase-price>
            </details>
            <title>Joustava Erämaksu - maksa omaan tahtiin</title>
            <description>Vaihtuva vuosikorko 0,00 %, aloitusmaksu 0,00 eur, hallinnointimaksu 2,95 eur/kk, maksa alkaen 8,95 eur/kk.</description>
            <use-case>Esimerkki: Ostoksesi maksaa 1 000 eur. Hallinnointimaksu on 2,90 eur/kk och vaihtuva vuosikorko on 19,9 %. Maksat 95,50 eur/kk 12 kuukauden ajan. Todellinen vuosikorko on tällöin 29,22 % ja 1 000 eur ostoksen kokonaissummaksi tulee 1 145,80 eur.</use-case>
            <type label="Erämaksu">part-payment</type>
        </installment>
    </installments>
</installment-calculator-response>
XML Installment Calculator Request for SE (Successful)
<?xml version="1.0" encoding="utf-8"?>
<installment-calculator-request xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-install</payment-method>
    <amount currency="SEK">100</amount>
    <locale>sv_se</locale>
</installment-calculator-request>
XML Installment Calculator Response for SE (Successful)
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<installment-calculator-response xmlns="http://www.elastic-payments.com/schema/utils">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <payment-method>klarna-install</payment-method>
  <state>success</state>
  <statuses>
    <status code="200.0000" description="Successful Response" severity="information" />
  </statuses>
  <amount currency="SEK">100</amount>
  <locale>sv_se</locale>
  <installments>
    <installment>
      <product-id>-1</product-id>
      <name>Invoice</name>
      <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/sv_se/invoice?fee=</terms>
      <logo>https://cdn.klarna.com/1.0/shared/image/generic/logo/sv_se/basic/blue-black.png</logo>
      <title>Betala om 14 dagar</title>
      <type label="Faktura">invoice</type>
    </installment>
    <installment>
      <product-id>100</product-id>
      <name>Account</name>
      <terms>https://cdn.klarna.com/1.0/shared/content/legal/terms/1168/sv_se/account</terms>
      <logo>https://cdn.klarna.com/1.0/shared/image/generic/logo/sv_se/basic/blue-black.png</logo>
      <details>
        <interest-rate label="Årsränta" symbol="%">19,90</interest-rate>
        <monthly-invoice-fee label="Administrativ avgift" symbol="kr">29,00</monthly-invoice-fee>
        <setup-fee label="Uppläggningsavgift" symbol="kr">0,00</setup-fee>
        <monthly-pay label="Månadsbelopp" symbol="kr">50,00</monthly-pay>
      </details>
      <title>Konto - delbetala i din egen takt</title>
      <description>Rörlig årsränta 19,90 %, uppläggningsavgift 0,00 kr, administrationsavgift 29,00 kr, delbetala från 50,00 kr.</description>
      <use-case>Exempel: Säg att du köper för 10 000 kr. Administrativ avgift är 29 kr/mån och rörlig årsänta är 19,9 %. Du betalar 955 kr/mån i 12 mån. Årlig effektiv ränt blir då 29,22 % och totalbeloppet för ditt köp om 10 000 kr blir 11 458 kr.</use-case>
      <type label="Delbetalning">part-payment</type>
    </installment>
  </installments>
</installment-calculator-response>
XML Installment Calculator Request for AT
<?xml version="1.0" encoding="utf-8"?>
<installment-calculator-request xmlns="http://www.elastic-payments.com/schema/utils">
    <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
    <payment-method>klarna-install</payment-method>
    <amount currency="EUR">100</amount>
    <locale>de_at</locale>
</installment-calculator-request>
Payment on installments not available
XML Installment Calculator Response for AT
<?xml version="1.0" encoding="utf-8" standalone="yes"?>
<installment-calculator-response xmlns="http://www.elastic-payments.com/schema/utils">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <payment-method>klarna-install</payment-method>
  <state>success</state>
  <statuses>
    <status code="200.0000" description="Successful Response" severity="information" />
  </statuses>
  <amount currency="EUR">100</amount>
  <locale>de_at</locale>
</installment-calculator-response>
payment on installments not available
XML Installment Calculator Response (failed - connection issue)
<?xml version="1.0" encoding="utf-8"?>
<installment-calculator-response xmlns="http://www.elastic-payments.com/schema/utils">
  <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
  <payment-method>klarna-install</payment-method>
  <state>failed</state>
  <statuses>
    <status code="500.1087" description="The connection to the provider was never made and timed out. Please try again later." severity="error" />
  </statuses>
  <amount currency="EUR">1000</amount>
  <locale>de_de</locale>
  <months>0</months>
</installment-calculator-response>
XML Installment Calculator Response (failed - provider response issue)
<?xml version="1.0" encoding="utf-8"?>
<installment-calculator-response xmlns="http://www.elastic-payments.com/schema/utils">
   <merchant-account-id>8ea482bc-796c-42b4-a698-9a2db4b2edef</merchant-account-id>
   <payment-method>klarna-install</payment-method>
   <state>failed</state>
   <statuses>
      <status code="500.1999" description="The acquirer returned an unknown response. Contact Technical Support." severity="error" />
   </statuses>
   <amount currency="NOK">50.03</amount>
   <locale>nb_no</locale>
   <months>0</months>
</installment-calculator-response>

For transaction type details which are not given here, look at Appendix B: Transaction Types.

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