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

# Klarna

Klarna is a Buy Now Pay Later (BNPL) payment method that lets customers defer or split payments at checkout.

## How it works

When a customer selects Klarna, they are redirected to the Klarna checkout page to complete payment. After payment, the customer is redirected back, but the transaction status may not be immediately available at that point. The final status is delivered asynchronously — use webhooks or query the API to confirm it.

Klarna provides the following payment methods:

### Payment in 30 Days

Your customers can buy now and pay within 30 days.

### Financing

Your customers can spread the cost over monthly payments.

### Payment in 3 times

Your customers can split the cost into 3 interest-free installments.

## Create order

The following example shows how to create a Klarna order:

```bash theme={null}
curl --request POST \
 --url https://gateway.paybyrd.com/api/v2/orders \
 --header 'Accept: application/json' \
 --header 'Content-Type: application/json' \
 --header 'x-api-key: {your_api_key}' \
 --data '
{
 "marketId": "PT",
 "isoAmount": 5000,
 "orderRef": "Klarna Product Order",
 "currency": "EUR",
 "orderOptions": {
   "redirectUrl": "https://paybyrd.com",
   "culture": "pt-PT"
 },
 "shopper": {
   "email": "peter@parker.com",
   "firstName": "Test",
   "lastName": "Person-pt",
   "phoneCountryCode": 351,
   "phoneNumber": "935556731",
   "shippingAddress": "Avenida Dom João II 40",
   "shippingPostalCode": "1990-094",
   "shippingCity": "Lisboa",
   "shippingState": "LB",
   "shippingCountry": "PRT",
   "customReference": "spiderman",
   "billingAddress": "Avenida Dom João II 40",
   "billingPostalCode": "1990-094",
   "billingCity": "Lisboa",
   "billingCountry": "PRT"
 },
 "shoppingCart": {
   "items": [
     {
       "description": "Web launcher",
       "quantity": 1,
       "unitPrice": 5000,
       "amount": 5000,
       "categories": [
         "weapons",
         "launchers"
       ],
       "shipping": {
         "shippingMethod": "STD"
       },
       "type": "Product"
     }
   ]
 },
 "paymentOptions": {
   "allowedPaymentMethods": [
     "KLARNA"
   ]
 }
}'
```