hi @gugalucio ,
Klarna API test credentials are not configurable for each merchant, but your live credentials would be configured based on your merchant-specific Klarna contract. You can review the regional payment options at the Klarna demo store: https://www.klarna.com/demo
Regional specific payment options and fees are documented on our website: klarna.com
(For the US, the payment option is 4 installments.)
I still have some questions:
When the user chose the Klarna payment method, do they have to create an account with Klarna?
What happens with the user credit score, is there a credit check?
Who manages and monitors all merchant transactions? Klarna or my payment gateway?
How do Refunds work based on each of the 3 payment options?
Hi again @gugalucio ,
Regarding a customer account with Klarna, Klarna does store customer information but the customer does not have to create an account. More information available at: https://www.klarna.com/us/customer-service/csc/account-personal-details/
Regarding a credit check, please see: https://www.klarna.com/us/customer-service/klarna-perform-credit-check/
Regarding merchant transactions for Klarna orders placed in a Shopify store, the merchant continues to do all their order management within the Shopify store admin, and the Klarna Payments integration on Shopify will update the Klarna order data based on the Shopify updates, as documented at: https://x.klarnacdn.net/plugins/Klarna%20Payments%20on%20Shopify%20-%20Merchant%20Guide.pdf
Regarding refunds, similar to order fulfillment or cancellations, when a Shopify order is refunded in the Shopify store admin, the Klarna Payments integration on Shopify will update Klarna. More information for customers about refunds at: https://www.klarna.com/us/customer-service/csc/refunds/
Klarna Payments is available in many regions, regional specific information available at https://www.klarna.com/.
Klarna Payments accepts orders only for customer billing addresses in the
markets that match the store base currency (as documented at https://x.klarnacdn.net/plugins/Klarna%20Payments%20on%20Shopify%20-%20Merchant%20Guide.pdf)
Since Klarna Payments integration is an alternative payment method integration for Shopify, Shopify limits Klarna Payments, and all alternative payments methods, to
always using only the store’s base currency, per: https://help.shopify.com/en/manual/payments/shopify-payments/multi-currency/conversions#shopify-paym...
You can also do this through most gateways with a private app, splitting up the payment into installments or a reoccuring basis, then expire it when done.
To remain compliant with Shopify you are pushing to full amount base into your store so they get their % .. but then your installments come out of the schedule that is set up.
We did this for https://www.ddpyoga.com for certain products and worked with Shopify Partner support to make sure it was done according to their rules.
Thomas Granger, CEO, FDG Web
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