Selling to multiple countries

In this article you will learn how to setup your store for multiple markets and currencies.

Date: 24.03.2020

Background

Klarna checkout is available in 170+ countries with more than 10 countries which are Klarna core countries. A core country is a country where we offer Klarna Credit, local non-risk payment methods and card options.

A core country is only considered a core country if the currency is local for that market as well.

The current offered core countries in combination with their local currencies are

CountryPurchase_countryCurrency
Country
Sweden
Purchase_country
SE
Currency
SEK
Country
Norway
Purchase_country
NO
Currency
NOK
Country
Finland
Purchase_country
FI
Currency
EUR
Country
Denmark
Purchase_country
DK
Currency
DKK
Country
Great britain
Purchase_country
GB
Currency
GBP
Country
Germany
Purchase_country
DE
Currency
EUR
Country
Netherlands
Purchase_country
NL
Currency
EUR
Country
Austria
Purchase_country
AT
Currency
EUR
Country
Switzerland
Purchase_country
CH
Currency
CHF
Country
United States
Purchase_country
US
Currency
USD

Klarna core countries have full language support, please see available languages

Non-core countries, or core countries combined with a non-local currency, will be offered card payments in the checkout.

Klarna does not support currency conversion.

How it’s done

To be able to sell to multiple countries you need to do the following

  • Setting allowed shipping/billing countries on Order Create in our API.
  • Implement the specific integration flow which leverages our client events and/or server side callbacks. See handle a country change for more information and examples.

You need to consider what currencies to offer trough Klarna. Enabling as many currencies as possible will help you increase conversion as this will enable payment method alternatives for your users and create a more local experience.

When considering which currencies to offer through Klarna, always ensure that the order management will also be set up in the same currency as Klarna’s order management API as the API expects amounts in the same currency as the order creation currency. Furthermore, Klarna will always settle like for like with regards to currency.

Availability

Klarna checkout is not available in all countries, due to restrictions on which shipping and billing countries Klarna is allowed to accept business from. This means that in order for a country to be allowed, it needs to be on the white-list for your region.

Region Restrictions

The following countries are allowed at the time of writing:

AD, AE, AG, AI, AL, AM, AQ, AR, AS, AT, AU, AW, AX, AZ, BA, BB, BD, BE, BF, BG, BH, BJ, BL, BM, BN, BO, BR, BS, BT, BW, BY, BZ, CA, CF, CH, CI, CK, CL, CM, CN, CO, CR, CU, CV, CW, CX, CY, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ER, ES, ET, FI, FJ, FK, FO, FR, GA, GB, GD, GE, GF, GG, GH, GI, GL, GM, GN, GP, GR, GS, GT, GU, GY, HK, HN, HR, HU, ID, IE, IL, IM, IN, IS, IT, JE, JM, JO, JP, KE, KG, KM, KN, KR, KW, KY, KZ, LA, LA, LB, LC, LI, LK, LR, LS, LT, LU, LV, MA, MC, MD, ME, MG, MH, MK, MK, ML, MM, MN, MO, MP, MQ, MR, MT, MU, MV, MW, MX, MY, MZ, NA, NC, NE, NF, NG, NI, NL, NO, NP, NR, NU, NZ, OM, PA, PE, PF, PG, PH, PK, PL, PR, PS, PT, PW, PY, QA, RE, RO, RS, RU, RW, SA, SB, SC, SE, SG, SH, SI, SJ, SK, SL, SM, SN, SR, ST, SV, SX, SZ, TC, TF, TG, TH, TJ, TK, TL, TR, TT, TV, TW, TZ, UA, UG, UM, US, UY, UZ, VA, VC, VG, VI, VN, VU, WF, WS, XK, YT, ZA, ZM, ZW

Further Restrictions

In addition to the general restrictions, individual merchants may have specific billing and shipping countries restricted, by agreement or request.

Klarna has the right to restrict the shipping whitelist further due to:

  • Risk of accepting orders that could breach EU Sanction (arms and related materiel, telecom)
  • Risk of orders that could be identified as corruption transactions, money laundering transactions & fraud transactions
  • Risk of orders breaching EU legislation

Recommendations

Depending on how your store is setup we recommend different integration flows.

One URL per market

If you are using one url per market for example merchant.co.uk we recommend the following.

One URL covering all markets

If you are using one url per market for example merchant.eu we recommend the following.

  • Allow the consumer to change the shipping country by enabling all your shipping countries on the checkout order.
  • Use the address_update callback to keep shipping methods and prices updated.
  • It is mandatory to use the country_change callback with this setup. When you receive a callback you need to consider to…
    • Update the language, we recommend to match the billing address country if we support it.
    • Update the currency to a local one if you are configured for it to get a core-country experience. Or update it to a non-local one to offer card.
  • Set the purchase_country to a best guess of the consumers country.

Account configuration

Your account needs to be configured for a specific country & currency combination, it is not enough to create the order with a specific combination.

Talk to your account manager which will help you add the country and currency to your contract. If you don’t have account manager, talk to your platform provider or merchant support .