How Partner Accounts work
Learn how Partner Accounts are structured in the Klarna Network so you can support onboarding, operations, and flexible configurations for different business setups.
Klarna’s Partner Account model defines how companies connect, are configured, and operate within the Klarna Network.
By understanding how Partner Accounts and Partner Products work together, you can design scalable integrations that support global operations and complex business structures.
Overview
The Partner Account model describes how a company’s relationship with Klarna is represented, configured, and extended with specific products and shared resources.
flowchart LR
subgraph Partner
direction TB
PA(Partner Account)
PAY_PRO(Payment Product)
PA_BRANDS_STORES(Brands & Stores)
PA_PBE(Partner Business Entity)
PA_PORTAL(Portal User / Access)
PA -->|1| PAY_PRO
PA -->|1..n| PA_PBE
PA -->|1..n| PA_BRANDS_STORES
PA -->|1..n| PA_PORTAL
end
subgraph Acquirer
direction TB
PA_AP(Partner Account)
ACQ_PRO(Payment Acquiring Product)
PA_AP_API_KEY(API Keys)
PA_AP_WEBHOOK_CONFIG(Webhook Configuration)
PA_AP -->|1| ACQ_PRO
PA_AP -->|1..n|PA_AP_API_KEY
PA_AP -->|1..n|PA_AP_WEBHOOK_CONFIG
end
Acquirer -->|onboards| Partner
class PA primaryEntity
class PA_AP primaryEntity
At the center is the Partner Account, which represents the Partner or Acquirer. Each Partner Account can have one or more Partner Products that define which Klarna services are available. Those products reference shared resources such as Partner Business Entities, Stores, Brands, and Store Groups.
Together, these building blocks let you model a wide range of organizational structures, from a single legal entity with one brand to global companies with multiple entities, brands, and store locations.
Partner Accounts
A Partner Account represents either an Acquiring Partner or a Partner working with Klarna. It is the core object that allows a Partner or Acquiring Partner to operate in the Klarna Payment Network.
Partner Accounts define who interacts with Klarna, while Partner Products define what services or features are available to that Partner.
Each Partner Account:
- Holds the core data that identifies the Partner or Acquirer.
- Acts as the parent for Partner Products that expose specific Klarna services.
- Connects to shared resources (Business Entities, Stores, Brands, and Store Groups) that describe how the Partner operates toward customers.
Partner Products
A Partner Product defines which Klarna services are available to a Partner Account.
Each Partner Product has a type that indicates the specific Klarna product it represents, and each type has its own configuration and linked resources.
Currently, there are two Partner Product types:
Payment Product
The Payment Product represents Klarna’s payments offering for a Partner Account, including pricing and all available Payment Programs.
Each Payment Product is connected to a Payment Profile, which specifies:
- Pricing for the Partner.
- The Payment Programs applied to that Partner. Below each Payment Product, you will find Payment Accounts. Payment Accounts are used to assign identifiers to specific Partner configurations, for example:
- A Brand.
- A Store Group and a list of Stores
- Partner Business Entity and it's counterparty from the Acquiring Partner
- Other payment configuration details relevant for payment processing, such as Payment Program Enablements. Payment Accounts support complex account structures, such as companies with multiple legal entities, stores, and brands.
For more detailed modeling information, see how to model your Partner Account.
Payment acquiring product
A Payment Acquiring Product represents an Acquiring Partner’s acquiring offering in the Klarna Payment Network and enables the Acquiring Partner to onboard and manage its own Partners within Klarna.
A Payment Acquiring Product holds:
- All relevant Payment Profiles used for the Acquiring Partner’s offering.
- The associated list of Payment Acquiring Accounts that represent specific acquiring configurations.
- Links to settlement configurations that control how funds are settled to the Acquiring Partner and its Partners. This structure lets you support different types of Partners while handling cases where you work with multiple legal entities and settlement setups, so a global company can operate as a single, consistent Partner in the Klarna Payment Network.
For more details about modeling your own account as an Acquiring Partner, go to understand your own account.
Business Entities, Stores and Brands
Partner Accounts can include additional resources that enhance both operational accuracy and customer experience:
- Partner Business Entities: Represent a legal entities their metadata
- Stores: Represent locations, physical or digital, where Klarna’s products and services will be made available by your Partners
- Brands: Are the consumer representation of a company, its visual assets and links.
- Store Groups: Allow multiple stores to share one brand identity.
Maintaining accurate information in these resources ensures a better customer experience and supports Klarna’s fraud and risk controls