> ## Documentation Index
> Fetch the complete documentation index at: https://docs.chift.eu/llms.txt
> Use this file to discover all available pages before exploring further.

# Klarna

> How to connect your Klarna account: what you need, how to prepare it, and how to connect.

# 🚨 Prerequisites

Before you start, make sure you have:

* an active Klarna merchant account
* admin rights on the Klarna Merchant Portal: only admin users can create and manage Klarna API credentials

# 🛠 Preparation

The connection form asks for a Klarna API credential: a **Username** and a **Password**. You create it in the Klarna Merchant Portal.

<Steps>
  <Step title="Open the API credentials page">
    Sign in to the [Klarna Merchant Portal](https://portal.klarna.com/) and go to **Settings** › **Klarna API credentials**. You land on the list of your existing credentials.
  </Step>

  <Step title="Generate a credential">
    Click **Generate new API credentials**. Klarna shows a **Username**, a long identifier linked to your Merchant ID, and a **Password**.

    The Password is shown once. Copy both values and keep them somewhere safe: you will paste them into the connection form. If you close the window without copying the Password, generate a new credential.
  </Step>
</Steps>

Klarna disables a credential after 2 months without use and deletes it after 10 months. Once connected, the credential is used regularly, so this only matters for a credential you created but never used.

# ⚡️ Connection

<Steps>
  <Step title="Name your connection">
    Choose a name you will recognise later.

    <img src="https://mintcdn.com/chift/z_KbMf4GqQoKdGdA/images/help/klarna/klarna-3.png?fit=max&auto=format&n=z_KbMf4GqQoKdGdA&q=85&s=133c12b7b2e0c3a625a27c761b14c75f" alt="The Name of connection field of the connection form" className="mx-auto" style={{ width: "70%" }} width="954" height="174" data-path="images/help/klarna/klarna-3.png" />
  </Step>

  <Step title="Select your Region">
    Pick the region of your Klarna merchant account: **Europe**, **North America** or **Oceania**. It decides which Klarna servers are used.

    <img src="https://mintcdn.com/chift/z_KbMf4GqQoKdGdA/images/help/klarna/klarna-4.png?fit=max&auto=format&n=z_KbMf4GqQoKdGdA&q=85&s=41aa288f04922a239d7daee617a331d5" alt="The Region field of the connection form, a list with Europe, North America and Oceania" className="mx-auto" style={{ width: "70%" }} width="1010" height="198" data-path="images/help/klarna/klarna-4.png" />
  </Step>

  <Step title="Enter your Username">
    Paste the Username of the credential you generated in Preparation.

    <img src="https://mintcdn.com/chift/z_KbMf4GqQoKdGdA/images/help/klarna/klarna-5.png?fit=max&auto=format&n=z_KbMf4GqQoKdGdA&q=85&s=49937c919332f66fb789c99b3e04e82a" alt="The Username field of the connection form" className="mx-auto" style={{ width: "70%" }} width="1010" height="197" data-path="images/help/klarna/klarna-5.png" />
  </Step>

  <Step title="Enter your Password">
    Paste the Password shown with it.

    <img src="https://mintcdn.com/chift/z_KbMf4GqQoKdGdA/images/help/klarna/klarna-6.png?fit=max&auto=format&n=z_KbMf4GqQoKdGdA&q=85&s=e7563aaeb7efbf37661a8408586aeeb2" alt="The Password field of the connection form" className="mx-auto" style={{ width: "70%" }} width="1010" height="196" data-path="images/help/klarna/klarna-6.png" />
  </Step>

  <Step title="Click Connect">
    The connection is created straight away. Your payouts and their transactions are then read from Klarna with read-only calls.

    <img src="https://mintcdn.com/chift/z_KbMf4GqQoKdGdA/images/help/klarna/klarna-7.png?fit=max&auto=format&n=z_KbMf4GqQoKdGdA&q=85&s=367d35558533f62bc5adb9d20a3c38ba" alt="The Connect button" className="mx-auto" style={{ width: "20%" }} width="212" height="86" data-path="images/help/klarna/klarna-7.png" />
  </Step>
</Steps>

# ❓ Troubleshooting

<AccordionGroup>
  <Accordion title="Provided credentials are invalid">
    Klarna refused the Username and Password, or they were sent to the wrong region.

    1. Check that both values were copied entirely, with no extra space.
    2. Check that the **Region** matches your merchant account.
    3. If the credential was created a while ago and never used, it may have been disabled: generate a new one in the Merchant Portal and update the connection.
  </Accordion>

  <Accordion title="You cannot find Klarna API credentials in Settings">
    Only admin users of the Merchant Portal see this page. Ask an admin of your Klarna account to generate the credential for you, or to give you admin rights.
  </Accordion>

  <Accordion title="The credential works in Klarna's test environment but not here">
    Playground credentials only work with Klarna's Playground environment. Ask the team that gave you the connection form whether it targets Playground or Production, and generate the credential in the matching Merchant Portal.
  </Accordion>
</AccordionGroup>