KlarnaPrivacy Policy & terms

When adding Klarna Payments to your site, you need to consider

• Data protection and data sharing aspects
• T&C information

Please seek legal advice to ensure compliance with applicable regulations.

National and EU rules such as the GDPR sets certain limits to how and when you may share customer-identifying information with Klarna.

If you share personal data with Klarna you need to explain this in your privacy notice and link to Klarna's privacy notice there. Below is an example of what that could look like in your existing privacy notice (the specific data categories transferred to be added, and text to be translated into your local language):

“In order to offer you Klarna's payment methods, we might in the checkout pass your personal data in the form of contact and order details to Klarna, in order for Klarna to assess whether you qualify for their payment methods and to tailor those payment methods for you. Your personal data transferred is processed in line with Klarna's own privacy notice .”

In Switzerland, Klarna offers its services together with its subsidiary Billpay. If you share personal data with Klarna and Billpay you need to explain this in your privacy notice and link to Klarna's and Billpay's local privacy notices there. Below is an example of what that could look like in your existing privacy notice (the specific data categories transferred to be added, and text to be translated into your local language):

Billpay's/Klarna's payment options: In order to be able to offer you Klarna's payment options and to assess whether you qualify for their payment options and to tailor the payment options for you, we might in the checkout pass your personal data in the form of contact and order details to Klarna and Billpay. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna's ( de , fr , it or and versions) and Billpay's ( de , fr , it or and versions) privacy notices.

Ensure that your terms and conditions reflect your cooperation with Klarna, and that you comply with applicable laws.

Så påverkas du den nya kreditlagen

The next ricks' day it will be decided whether or not the credit is due. In short, it is necessary to pay for the financing and credit or direct payment alternatives in the cash register so that the credit alternative will be accepted later on. Lagen träder i kraft den första July 2020.

Here are some options for your payment and cash alternative:

Klarna Checkout (KCO): You will need to know more about it.

Please ensure that you are happy with your payment and that you will receive direct payment alternative visas before you are sad.

Klarna Payments (KP) offers direct payment alternatives. You are inte vidta några åtgärder.

You should also consider direct payment alternatives before using the alternative payment method.

Klarna Payment (KP) with direct payment alternative: You will receive the latest information.

Please e-mail with Klarna Payment (KP) for your checkout instructions for payment methods and for your checkout or checkout details.

Please find more information about your KCO information and presenter as well as information about your request for your KP with direct payment options.

The nya kreditlagen som Sveriges riksdag har antagit ( Governingens proposition ) kommer att träda i kraft den första July 2020 och ommer endast att tillämpas i Sverige. Lagen ställer krav på ur olika payment methods presented in cash, or the TVingar e-handlare att visa ett direct payment alternative for credit payment, for bad alternative finns tillgängliga i cash.

Skyldigheterna i den nya layers alla parter som presenterar eller treatment payment method. Detta inkluderar: e-handlare, partners och betalningstjänstleverantörer (PSP) såsom banker. If you can navigate and navigate your way through the navigation system, you will also be able to navigate your e-mail or partners and you will be able to navigate your way up to the next time.

Exactly how you pay for your payment method and how you pay for it. The next time you pay attention, you will be happy to receive direct payment alternatives, but your payment alternatives will be present in your cash register.

We also know more about Klarna's payment methods and also have the same categories of credit cards as direct payment alternatives.

Categories	Klarna's payment method	Credit teller direct payment?	Can you present the request for direct payment alternatives?
Direct payment	Direct payment	Direct payment	Yes
Direct payment	Bank transfer	Direct payment	Yes
Direct payment	Short	Credit payment	No
For five, pay	14 daily invoices	Credit payment	No
For five, pay as you go	Monthly invoice	Credit payment	No
Share upp	Klarna account	Credit payment	No
Share upp	Betala månadsvis i X månader	Credit payment	No

Handlare with Klarna Checkout (KCO v2 & v3)

Ingen åtgärd behövs. Please be aware that you will be updated with the latest KCO solutions for the new markets and fresh new ones. Don't worry about the direct payment alternative, the direct payment (to be paid), worry about presenting the first payment alternative at the checkout.

Handlare with Klarna Payments (KP)

To avoid Klarna Payments, you can use your checkout to register your Klarna payment options and present them. The innebär att det är den skilda handlaren som är ensam ansvarig for att se till att the checkout är compatibel or äljer den nie stiftningen innan de träder i kraft (July 1, 2020).

To use Klarna Payments (KP) or use your payment method via Klarna, you will receive the same payment method. To ensure that direct payment alternatives are present, the concerns arise. Kreditalternativ som inkluderar ränta kommer alltid att att presenteras sist om det finns andra val tillgängliga. To complete payment arrangements with Klarna in place and payment method, Klarna can also arrange the presentations.

Klarna kommer att sluta stödja Klarna payment method (KPM) since September 2020. Åtgärd recommendations.

Klarna comes in the Netherlands at the latest KPM in September 2020. For automatic updates (including legal requirements) you will have to wait until Klarna Checkout (KCO) and Klarna Payments (KP). Med KCO kommer Klarna att handera sortings av payment method at dig. Before migrating until KCO can be used, you can also use the portals for ease of use ( länk ). Please contact us for more information about your flyer until Klarna Checkout and Klarna Payments.

New credit legislation - How you will be impacted

New legislation has been adopted by the Swedish Parliament stating that if both credit and debit payment options are offered by a merchant, the debit option(s) must be presented before the credit option(s) in the checkout. This law takes effect July 1, 2020.

Here's what you need to know if you have the following payment & checkout options:

Klarna Checkout (KCO): No action required.

Klarna will take care of all the logic to ensure debit payment options are shown first.

Klarna Payments (KP) with no debit options: No action required.

You are only required to make sure a debit option is placed as the first option if you offer it as a payment method.

Klarna Payment (KP) with debit options: Action required.

As a merchant, you are in control of the order in which payment methods are organized inside your checkout and will need to take steps to comply with the new law.

Continue reading for more details on how KCO will be presented, and what actions we recommend if you have KP with debit options.

New legislation ( Regeringens proposition ) adopted by the Swedish Parliament will take effect on 1 July 2020, and will only be applicable to Sweden. The law sets requirements on the presentation of payment methods in online checkouts, enforcing debit payment options to be displayed before any credit payment options, if both are available.

Obligations in the new regulation apply to any parties who present or process payment methods. This includes: merchants, partners, and Payment Service Providers (PSP) like banks. To navigate the new changes, we've published guidelines, to help our merchants and partners to ensure compliance with the legal requirements.

The impact for you as a merchant will depend on what payment methods you offer and what checkout solution you use. The new legislation does not require merchants to provide debit payment methods, but does regulate how to present them in an online checkout if you do.

Below is an overview of Klarna payment methods, and how each categorizes in terms of credit or debit options.

Category	Klarna Payment method	Credit or debit?	Can be presented first if other debit options exist?
Pay now	Direct debit	Debit	Yes
Pay now	Bank transfer	Debit	Yes
Pay now	Card	Credit	No
Pay later	14-day invoice	Credit	No
Pay later	Monthly invoice	Credit	No
Financing	Klarna account	Credit	No
Financing	Pay monthly over X months	Credit	No

Merchants with Klarna Checkout (KCO v2 & v3)

No action needed. Klarna will update the current KCO solution for the Swedish market to make sure that the new legal requirements are followed. You will notice that debit payment methods such as Direct Debit, (when available), will be presented as the first option in your checkout.

Merchants with Klarna Payments (KP)

If you offer Klarna Payments in your checkout, Klarna cannot control the order or logic in which the payment methods are presented. Therefore, as a merchant you are solely responsible to ensure your checkout is compliant and lawful according to the new legislation before it enters into force (1 July 2020).

If you have Klarna Payments (KP) and multiple Klarna payment methods within the same widget then we will manage the logic of sorting these. If a debit payment option exists then that will be displayed first. Credit payment methods that include interest rate will always be displayed as the last option if others exist. If the multiple Klarna payment methods are placed in different widgets then we cannot control in what order they will be sorted.

Klarna will discontinue support of Klarna Payment Methods (KPM) as of September 2020. Action recommended.

Klarna will no longer be supporting KPM as of September 2020. For automatic updates (including legal compliance), we recommend all merchants move to Klarna Checkout (KCO) or Klarna Payments (KP). With KCO, Klarna will handle the sorting of payment methods for you. To migrate to KCO, you can use the self-service flow that is available in the merchants portal ( link ). Please reach out to your Klarna account manager to get more information about pricing and how to transfer to Klarna Checkout or Klarna Payments.