Understand your own account

Your Partner Account is the entry point to Klarna’s acquiring ecosystem. It is connected to a Payment Acquiring Product, which gives you access to Klarna’s APIs both to manage your own account and also onboard, manage and operate your Partner's accounts.

The sections below describe each core resource in your setup and how they fit together.

Your Payment Acquiring Product allows you to use all Klarna's APIs as an Acquiring Partner. It contains the configuration needed to operate even complex acquiring structures, such as:

• Multiple legal entities across regions.
• Different settlement configurations per legal entity.
• Distinct commercial setups for different Partner segments.

Even with these variations, you still use a single integration entry point to Klarna’s APIs through your Payment Acquiring Product.

A Payment Profile defines the combination of a Price Plan and a Payment Program Plan that you apply when onboarding a Partner. This lets you standardize how pricing and Payment Programs are applied across your portfolio.

Payment profiles are provisioned by Klarna and can be read using the listPaymentDistributionProfiles action.

A Payment Acquiring Account links one of your acquiring legal entities to a specific Settlement configuration in Klarna’s systems.

Each acquiring legal entity has at least one Payment Acquiring Account. More complex setups can have multiple Payment Acquiring Accounts, for example:

• One account per legal entity.
• One account per legal entity and region.
• Separate accounts for specific regulatory or banking requirements.

When you onboard a Partner, you must assign the correct Payment Acquiring Account ID. This ensures that Klarna:

• Settles funds to the correct legal entity and settlement configuration.
• Keeps reporting and reconciliation aligned with your internal accounting structure.

For example, an Acquiring Partner with legal entities in the EU and US regions will typically have two Payment Acquiring Accounts, one for each legal entity. Each account is connected to its own Settlement configuration. When onboarding a Partner that operates only in the EU, you use the EU Payment Acquiring Account. If the Partner later expands globally with additional legal entities, you can connect multiple Payment Acquiring Accounts to the same Partner, as described in Modeling your Partner Account.

You can list all Payment Acquiring Accounts using the [ getAcquiringAccounts] action.

These resources work together to define how orders are settled and how pricing and Payment Programs are applied:

• Settlement configuration – defines how funds flow between Klarna and acquiring partners.
• Price plans – Contain the pricing information, price rates and such
• Payment program plans – Connect the different Klarna payment programs to the partner

In practice:

• The Payment Acquiring Account selects the Settlement configuration for a given legal entity.
• The Payment Profile selects which price plan and payment program plan apply to a Partner.
• Together, these resources determine how funds, fees, and Payment Programs behave for every order placed under that Partner.

By understanding how these resources are connected, you can design an account model that matches your legal, commercial, and operational requirements while still using a single integration entry point to Klarna’s APIs.