Payment program plans
A Payment Program Plan is a configuration defined and owned by Klarna. It determines which Payment Programs are available for a transaction based on the transaction merchant category code (MCC) and the consumer’s country.
A Payment program plan acts as the matrix that maps MCC and consumer country combinations to the Payment programs available for those transactions. Each Acquiring Partner has one Payment program plan. Partners cannot modify the plan, but they can enable discretionary Payment programs when the plan allows it and the enablement criteria are met.
Relationships & dependencies
graph
PAY_PROGRAM_PLAN(Payment Program Plan)
PAY_PROGRAM(Payment Program)
PAY_ENABLE(Payment Program Enablement)
PAY_PROFILE(Payment Profile)
PRICE_PLAN(Price Plan)
TRANSACTION(Payment Transaction)
PAY_PROGRAM_PLAN -->|n..n| PAY_PROGRAM
PAY_PROGRAM -->|1..n| PAY_ENABLE
PAY_PROFILE -.->|defines configuration for| TRANSACTION
PAY_PROFILE --> |n..1| PRICE_PLAN
PAY_PROFILE -->|n..1| PAY_PROGRAM_PLAN
class PAY_PROGRAM_PLAN primaryEntity
A Payment program plan is associated with the following resources:
- Payment Profile – defines the configuration used when evaluating transactions.
- Price Plan – defines the pricing structure applied to Payment transactions.
- Payment Program – the commercial category used for settlement.
- Payment Program Enablement – created by a Partner to enable discretionary Payment programs when allowed by the plan.
- Payment Transactions – evaluated against the plan to determine the applicable Payment programs.
Resource properties
A Payment program plan includes the following properties:
| Property | Description |
|---|---|
id | Unique identifier for the Payment program plan. |
version | The version number assigned to the plan. Klarna increments this for breaking changes. |
effective_from | The date when the plan version becomes active. |
effective_to | The date when the plan version stops being active. May be null. |
Use the listPaymentProgramPlans
operation to retrieve all versions of the Payment program plan assigned to your Acquiring Partner.
operation to retrieve all versions of the Payment program plan assigned to your Acquiring Partner.Lifecycle
Klarna creates and maintains all Payment program plans. Partners can only read plan versions.
- Klarna releases a new version only for breaking changes.
- Each version defines its own
effective_fromandeffective_todates. - Partners are automatically migrated to the active version on its
effective_from. - Discretionary Payment programs are enabled through Payment Program Enablements, not by modifying the plan.
State machine
flowchart LR
V1[Plan version created] --> A[Active]
A -->|New breaking version released| N[Next version created]
N --> A2[Becomes active on effective_from]
A2 -->|Previous version expires| E[Expired]
classDef node fill:#F8F7FA,stroke:#C7C7CC,color:#282829,rx:8,ry:8
Frequent use cases
Retrieve all plan versions
Use listPaymentProgramPlans to retrieve the full history of Payment program plan versions, including past, active, and upcoming versions.
to retrieve the full history of Payment program plan versions, including past, active, and upcoming versions.Retrieve Payment programs for a specific plan
After identifying the active plan version, use listPaymentProgramsForPaymentProgramPlan to retrieve all Payment programs included in that version.
to retrieve all Payment programs included in that version.Read Payment program details
Use readPaymentProgram to retrieve attributes such as the display name and funding type.
to retrieve attributes such as the display name and funding type.Note: Payment program names may change over time and shouldn’t be used as stable identifiers.