UseePay Open API
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  1. About Payment Methods
  • Integration
    • Welcome to the UseePay Demo Page
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      • Payment Intent Overview
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UseePay PortalMechant Dashboard
Product Docs
Product Docs
  • V2.0
  • V1.0
UseePay PortalMechant Dashboard
Product Docs
Product Docs
  • V2.0
  • V1.0
  1. About Payment Methods

Klarna

Klarna#

Type: Buy Now, Pay Later / Digital Payment Service (International)
Payment Flow:
1.
Customer selects Klarna at checkout.
2.
The gateway or third-party redirects or invokes the Klarna flow, where the user chooses pay-now, pay-later, or installment option.
3.
After payment (or authorization of installment plan), the user is returned to the merchant site, and the merchant receives the payment result or installment plan activation.
Refunds: Supports full or partial refunds; refund policies may vary by country and by plan.
Notes:
Common in Europe and other global markets; offers flexible payment terms (e.g., โ€œpay in 4โ€, โ€œpay laterโ€).
Supports one-time payments; subscription/recurring payments depend on platform and region.
Currency and supported countries vary by region.
Supported Transaction Types
Product Support
Supported Countries
One-time Payment
Subscription Payment

Klarna Supported Countries / Currencies / Amount Ranges#


๐ŸŒ Supported Countries and Currencies#

Country / RegionCurrencyExample Supported Payment Methods
๐Ÿ‡บ๐Ÿ‡ธ United StatesUSDPay in 4 / Pay later / Financing
๐Ÿ‡ฌ๐Ÿ‡ง United KingdomGBPPay in 3 / Pay later / Financing
๐Ÿ‡ฉ๐Ÿ‡ช GermanyEURPay in full / Pay in 3 / Pay later / Financing
๐Ÿ‡ซ๐Ÿ‡ท FranceEURPay in full / Pay in 3 / Pay later
๐Ÿ‡ช๐Ÿ‡ธ SpainEURPay in full / Pay in 3 / Pay later
๐Ÿ‡ฎ๐Ÿ‡น ItalyEURPay in full / Pay in 3 / Pay later
๐Ÿ‡ณ๐Ÿ‡ฑ NetherlandsEURPay in full / Pay in 3 / Pay later
๐Ÿ‡ธ๐Ÿ‡ช SwedenSEKPay in full / Pay later / Financing
๐Ÿ‡ณ๐Ÿ‡ด NorwayNOKPay in full / Pay later / Financing
๐Ÿ‡ฉ๐Ÿ‡ฐ DenmarkDKKPay in full / Pay later / Financing
๐Ÿ‡ซ๐Ÿ‡ฎ FinlandEURPay in full / Pay later / Financing
๐Ÿ‡จ๐Ÿ‡ญ SwitzerlandCHFPay in full / Pay later / Pay in 3
๐Ÿ‡ฆ๐Ÿ‡น AustriaEURPay in full / Pay in 3 / Financing
๐Ÿ‡ง๐Ÿ‡ช BelgiumEURPay in full / Pay later
๐Ÿ‡ฎ๐Ÿ‡ช IrelandEURPay in full / Pay in 3 / Pay later
๐Ÿ‡ต๐Ÿ‡ฑ PolandPLNPay in full / Pay later / Pay in 3
๐Ÿ‡ท๐Ÿ‡ด RomaniaRONPay in full / Pay later / Pay in 3
๐Ÿ‡จ๐Ÿ‡ฟ CzechiaCZKPay in full / Pay later / Pay in 3
๐Ÿ‡ต๐Ÿ‡น PortugalEURPay in full / Pay later
๐Ÿ‡ฆ๐Ÿ‡บ AustraliaAUDPay in full / Pay in 4
๐Ÿ‡จ๐Ÿ‡ฆ CanadaCADPay in full / Pay in 4 / Financing
๐Ÿ‡ณ๐Ÿ‡ฟ New ZealandNZDPay in full / Pay in 4

๐Ÿ’ณ Payment Methods and Amount Limits#

1. Pay in Full#

CurrencyMinimum AmountMaximum Amount
AUD04,000
CAD02,000
CHF11,585
CZK0100,000
DKK1100,000
EUR010,000
GBP04,000
NOK1100,000
NZD02,000
PLN020,000
RON020,000
SEK1100,000
USD04,000
๐Ÿ’ก โ€œPay in Fullโ€ is available in most countries; some regions have slightly lower caps (e.g., NL EUR 2,500).

2. Pay Later (30 Days)#

CurrencyMinimum AmountMaximum Amount
CHF11,000
CZK012,250
DKK150,000
EURVaries by country1 โ€“ 5,000
GBP11,500
NOK075,000
PLN17,000
RON02,500
SEK1100,000
USD51,000

3. Pay in 3 / Pay in 4 Installments#

ModeCurrencyMinimum AmountMaximum Amount
Pay in 3CHF15,000
CZK2525,000
DKK1050,000
EUR (AT/DE)15,000
EUR (FR/IE/ES/IT)11,500
NL255,000
GBP12,000
NOK1075,000
PLN55,000
RON55,000
Pay in 4AUD102,000
CAD11,500
NZD102,000
USD12,000
๐Ÿ’ฌ Different countries only support certain installment modes (e.g., US supports only Pay in 4).

4. Financing (Long-term Installments, 6โ€“36 Months)#

CurrencyMinimum AmountMaximum Amount
CAD25017,500
EUR (Austria)255,000
EUR (Germany)2510,000
EUR (Finland)253,000
GBP2505,000
NOK25075,000
SEK250100,000
USD4510,000
๐Ÿ”’ Actual maximum amounts depend on the customerโ€™s credit assessment; not all customers are approved for the full limit.

Klarna Refund Policy Overview#

1. Refund Window#

Refunds can be requested up to 180 days after the payment has been completed.

2. Types of Refunds#

Klarna supports full refunds and partial refunds.
Multiple partial refunds are allowed, as long as the total refunded amount does not exceed the original charge.

3. How Refunds Are Applied#

Full Refund: Cancels any remaining scheduled payments and returns the amount already paid by the customer.
Partial Refund:
If the refund amount exceeds the remaining balance of the order โ†’ Klarna deducts it from the outstanding balance and returns the difference to the customer.
If the refund amount is less than the remaining balance โ†’ Klarna subtracts it from the outstanding balance and spreads the refund proportionally across the remaining payments.

4. Refund Timing#

Refunds usually take 5โ€“7 business days to process.
Actual timing may vary depending on the customerโ€™s financial institution and the type of purchase.

5. Special Cases#

Orders in chargeback cannot be refunded.
Refunds for chargeback payments must wait until the chargeback is resolved.

flowchart#

one time payment#

Modified atย 2025-11-03 04:47:46
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