Settlement Reports explain in detail all payments made by Klarna to you and help you to reconcile your accounts. Each Settlement Report can be linked to a payout by using the unique payment reference, which appears on your bank account statement. Settlement Reports are of CSV, PDF or JSON format and can be accessed in three different ways - using Klarna’s Merchant Portal, using the Settlements API or by using an SFTP.
Using the Merchant Portal to access your Settlement Reports is the simplest method of managing them, as no technical setup or configuration is needed. The Merchant Portal allows for filtering by dates and currency and simple downloads of Settlement Reports for desired transactions.
The Settlements API allows for managing and gathering Settlement Reports using our predefined API. It requires technical configuration, but is a preferred method to manage larger volumes of Settlement Reports. Click here for detailed information and API reference on the Settlements API.
Apart from using the Settlements API, you can automatically receive your Settlement Reports via an SFTP server. Once you have set up your credentials, the next reports will be automatically uploaded to the respective account.
Optionally you can use the “Configure Reports” option in the Settlements App to additionally receive PDF reports or to customize your CSV reports. Additionally, you can choose to receive the reports of all your merchant IDs (MIDs) in the same SFTP account, by changing the SFTP target directories.
Settlement reports are kept in the SFTP account for 90 days. After that period, they are deleted automatically.
Manage SFTP Credentials
SFTP credentials can be easily created and deleted via the Settings App in the Merchant Portal. Once you have set up your credentials, the next reports will be automatically uploaded to the respective account.
View of the tab generating SFTP credentials in Settings App
Use the below settings for connecting to Klarna SFTP playground and production.
The file name of the Settlement Report from the SFTP includes the unique Payment Reference for the payout, and the timestamp of report generation day (00:00:00) in UTC.
Green part, i.e. 123456789, is the Payment Reference for this payout. This payment reference is also included in the Settlement Report’s header. Blue part, 20150724T000000+0000, is the timestamp of the report generation day. It is in UTC and bound to the start of the day.
Note: This naming convention is unique to the SFTP and is therefore not shared with other systems e.g. Settlements API or the Merchant Portal.
Note: Ignore .tmp suffixed files, for example: 123456789.csv.tmp These are reports that are currently being created.
The Report Configurator in the Settlements App allows you to customize the CSV and PDF reports to suit you and your accounting system. You can set up individual report configurations per Merchant ID and delivery channel (API, Settlements App, SFTP).
Configuration options (selection):
- change the CSV delimiter
- change date and amount formats
- add signs to negative amounts
- receive the reports for all your MIDs in the same SFTP directory (by default reports are published in individual accounts per MID)
- Add or remove fields, like initial payment method or detailed transaction type (exposing the type of fee that has been charged)
- Include consumer VAT information (the VAT on the products or services sold to your customers)
By clicking the “Configure reports” button on the right, you will get to the configuration page.
Calculation of settlement amount
|Total amount||Transaction type|
Total amount+ total_sale_amount
Transaction type+ sale
Total amount− total_return_amount
Transaction type− return
Total amount− total_reversal_amount
Transaction type− reversal
Total amount− total_fee_amount
Transaction type− fee
Total amount+ total_fee_correction_amount
Total amount+ total_commission_amount
Transaction type+ commission
Total amount- total_tax_amount
Transaction typeN/A as transaction type. The amount can be included as a separate column “vat_amount”.
Total amount− total_charge_amount
Transaction type− charge
Total amount+ total_credit_amount
Transaction type+ credit
Total amount− total_repay_amount
Total amount− total_holdback_amount
Transaction type− holdback
Total amount+ total_release_amount
Transaction type+ release
Summary section fields
DescriptionType of this event:
(+) captured order that has been shipped to the customer.
(-) Service fee charged by Klarna for the related sale transaction. Please note that according to your contract multiple fee transactions can be applied to one sale transaction, eg. fixed fees and percentage fees.
(-) refund transaction, registered by the merchant and indicating that the goods/services have been returned by the customer.
(-) refund transaction, registered by Klarna in disputed orders in favour of the customer. This contains fraudulent cases seen as merchant loss eg. due to missing tracking data.
(+) net-amount of the order value (without tax), credited by Klarna to the merchant due to Klarna’s merchant protection eg. in case of fraud. The amount is reducing the total_reversal_amount.
(+) Paid by Klarna to the merchant based on the contractual agreement regarding commissions.
(+/-) Certain corrections that are booked against specific orders according to a mutual agreement between the merchant and Klarna.
(-) The amount is used as a rolling reserve, which covers for future refunds or other security reasons.
(+) The amount reduces the rolling reserve (the opposite of a holdback). The credit that Klarna had set apart for a merchant, gets released and paid back to the merchant.
(+) Miscellaneous credit towards you, which is described in the field detailed_type.
(-) Miscellaneous charge towards you, which is described in the field detailed_type.
DescriptionDate when the event was registered in Klarna’s system (Coordinated Universal Time, UTC). In case of a SALE transaction it refers to the moment when you shipped the goods to the customer and captured/activated the order.
DescriptionDate of the order creation (Coordinated Universal Time, UTC).
DescriptionUnique identifier of the order. All related transactions in the life-span of an order are associated with this ID. eg. fees or refunds. It is therefore the recommended identifier for reconciling the report lines with your system.
DescriptionCustomer-facing order ID.
DescriptionUnique identifier for every capture on an order and only provided for sale and fee transactions. In case of partial shipments an order is captured more than one time. Each related capture is relfected as a sale transaction with a unique capture_ID.
DescriptionYour internal reference to the order, that has been submitted during order creation.
DescriptionYour internal reference to the order, that has been submitted during order creation.
DescriptionAmount of the related transaction.
DescriptionCurrency in which the order has been placed. The following currencies are currently available: DKK, EUR, GBP, NOK, SEK, USD, CHF, CAD, AUD
DescriptionUnique identifier for Return and Reversal transactions. In case of partial returns, each return transaction is associated with a unique refund_ID. Note: By default, these are not included in the reports on SFTP. They can be included by using the Report Configurator.
DescriptionPurchase country, as provided by the merchant. Note: By default, these are not included in the reports on SFTP. They can be included by using the Report Configurator.
Example: US, GB, DE, SE
DescriptionVAT (Value added tax in Europe) or GST (goods and services tax in Australia) rate on Klarna fees.
DescriptionVAT (Value added tax in Europe) or GST (goods and services tax in Australia) amount on Klarna fees.
DescriptionAs provided by you.
DescriptionPayment method the consumer chose during checkout.
DescriptionNumber of installments the consumer chose during checkout in case of installment payments.
DescriptionNumber of monthly downpayments that were chosen during the checkout in case of installment payments.
DescriptionYour internal reference to the capture, that has been submitted during capturing an order via API.
DescriptionYour internal reference to the refund, that has been submitted during refunding an order via API.
DescriptionDetailed description of the transaction type. See section “Detailed type” for further information.
|Transaction type||Detailed type||Description|
DescriptionMerchant Lending loan amortisation
DescriptionTransfer of debt from the legacy KCOv2/KPM integration towards the new KCOv3/KP integration. This mechanism is used instead of issuing an invoice.
DescriptionPercentage Commission Paid by Klarna to the merchant based on the contractual agreement regarding percentage commissions
DescriptionMerchant Lending fees charges
DescriptionMerchant Lending loan payout
DescriptionFee for extending the due date for a consumer invoice.
DescriptionAdded when an order is returned by the consumer after a reminder is sent.
DescriptionFixed Fee on captured order
DescriptionPercentage Fee on captured order
DescriptionFee on captured order if a consumer pays with Klarna account.
DescriptionFee for extending the due date for a consumer invoice
DescriptionSecurity measure that works well for both you as a merchant and Klarna since we do not hold funds or delay payment of funds, but rather hold only a portion of it as collateral, which will automatically be released after the time agreed upon.
DescriptionSecurity measure that will allow Klarna to place a hold on payouts either in part of full while we review the financial holding of a merchant and the underlying transactions
DescriptionRefund, registered by the merchant and indicating that the goods/services have been returned by the customer.
DescriptionReturn of commission
DescriptionRefund, registered by Klarna on disputed orders in favour of the customer. This contains fraudulent cases seen as merchant loss eg. due to missing tracking data.
DescriptionGross amount of the order value (incl. consumer VAT), debited by Klarna due to Klarna’s merchant protection. The net order value (excl. consumer VAT) is credited in the same settlement with the detailed type FRAUD_POLICY_CREDIT_NET.
DescriptionNet-amount of the order value (incl. consumer VAT), credited by Klarna to the merchant due to Klarna’s merchant protection eg. in case of fraud. The amount is reducing the total_reversal_amount.