Ecosystem Overview
Add Klarna to your checkout through Solidgate — choose between building your own Klarna checkout (Web SDK or Presentation API) or a Solidgate managed checkout (Payment Form, Payment Page, Host-to-host, or Payment Link).
Klarna has partnered with Solidgate to offer Klarna as a payment method inside your Solidgate integration. Solidgate acts as your acquirer and processor — managing onboarding, compliance, settlement, and the Klarna authorization — while Klarna connects you with high-intent shoppers and flexible payment options such as Pay in full, Pay later, and Financing.
This page explains the ways you can bring Klarna into your checkout with Solidgate, so you can pick the one that fits your integration.
Key Klarna benefits for you
This integration gives you a reliable, streamlined way to accept payments while unlocking Klarna's services:
- Conversion optimization — approve more of the right transactions through richer data and a smoother customer experience.
- Supplementary Purchase Data (SPD) — share enriched transaction details to refine Klarna's risk evaluation and maximize approval rates.
- Advanced underwriting — benefit from Klarna's intelligent decisioning for higher acceptance while keeping transactions secure.
- Real-time risk management — continuous, data-driven risk monitoring that adapts to shopper and transaction patterns.
- Efficient dispute management — understand dispute reasons, response timelines, and dispute fees.
- Klarna Boost features — enable Klarna Express Checkout, Sign in with Klarna, and On-site messaging to build the Perfect Customer Journey.
- Cross-border reach — accept payments across multiple markets through Klarna's global infrastructure.
How to integrate Klarna
There are two ways to bring Klarna into your checkout with Solidgate. In both, Solidgate runs the Klarna authorization for you:
- 1.Build your own Klarna checkout — present Klarna yourself for full control of the UI and access to Klarna Boost features.
- 2.Use a Solidgate managed checkout — let Solidgate present and run Klarna with minimal integration effort.
Build your own Klarna checkout (recommended)
Present Klarna in your own checkout for the richest experience — dynamic presentation, the saved one-click option for returning customers, and Klarna Boost features.
| How you present Klarna | When to choose it | Reference |
|---|---|---|
| Klarna Web SDK | Klarna provides ready-made UI components; recommended for the smoothest experience. | Build checkout form with Klarna Web SDK |
| Klarna Presentation API (no SDK) | You render Klarna yourself from server-side assets, without loading the SDK. | Build checkout form with Klarna Presentation API |
Each option comes in a Partner-orchestrated and a Solidgate-orchestrated variant, depending on whether you or Solidgate drives the Klarna authorization. Building your own checkout also unlocks Klarna Boost features:
- Klarna Express Checkout — faster, more personalized checkout.
- Sign in with Klarna — simplify repeat purchases for returning Klarna customers.
- On-site messaging — promote flexible payment options across the shopping journey.
Use a Solidgate managed checkout
If you prefer minimal integration effort, let Solidgate present Klarna and run the whole flow through one of its checkout surfaces:
| Solidgate surface | What it is | Reference |
|---|---|---|
| Payment Form | Solidgate's customizable form embedded directly in your checkout page (no redirect). | Payment Form |
| Payment Page | Solidgate-hosted payment page the customer is redirected to. | Payment Page |
| Host-to-host (server-side) | Your backend initializes the payment directly through Solidgate's Init payment API. | Init payment API |
| Payment Link | A no-code, shareable payment URL — no integration required. | Payment Link |
A brief look at each path to help you choose:
- Payment Form — Solidgate's customizable, embeddable form that lives inside your own checkout page. The customer never leaves your site, and you keep control of the surrounding UI while Solidgate handles the payment fields and Klarna presentation.
- Payment Page — a fully Solidgate-hosted checkout the customer is redirected to. Solidgate owns the entire payment UI, so it is the fastest way to go live with the least front-end work.
- Host-to-host (server-side) — your backend initializes the payment directly through Solidgate's Init payment API, giving you server-side control of the flow without rendering Solidgate's form. Best when you want to drive the integration programmatically.
- Payment Link — a no-code, shareable payment URL you can send to a customer (email, chat, invoice). No integration is required, which makes it ideal for one-off or manual collection — but it does not support saving a token for subscriptions or returning customers.
Integration options at a glance
| Option | Who presents Klarna |
|---|---|
| Klarna Web SDK | You |
| Klarna Presentation API | You |
| Payment Form | Solidgate |
| Payment Page | Solidgate |
| Host-to-host (server-side) | Solidgate |
| Payment Link | Solidgate |
Saving a Klarna payment method? To save a customer's Klarna payment method for subscriptions or returning-customer purchases, see Tokenized payments overview.