Buy Now Pay Later

Metro 2 Integration for Klarna

Integrate Klarna merchant data with Metro2 for BNPL credit reporting. Klarna does not report pay-in-4 or short-term BNPL plans to US credit bureaus (only longer-term financing loans are reported to TransUnion by Klarna directly). This Metro2 integration enables merchants to report all Klarna payment plans to credit bureaus under their own furnisher ID, filling the gap for short-term BNPL products. Metro2 connects via Klarna's REST API with HTTP Basic Auth (Base64 encoded) and receives real-time events via HMAC-SHA512 signed webhooks. Klarna charges merchants approximately 5.99% + $0.30 per transaction.

How It Works

Klarna merchant data is extracted via REST API (HTTP Basic Auth) or pushed via HMAC-SHA512 signed webhooks. Metro2 maps BNPL payment data to Metro 2 Base Segment format and submits to Equifax, Experian, and TransUnion under your merchant furnisher ID.

Klarna

Metro2

Credit Bureaus

Benefits

Fill the Reporting Gap

Klarna does not report short-term BNPL to US credit bureaus natively. This integration gives your customers credit for their Klarna payments.

Merchant-Controlled Reporting

Report under your own furnisher ID for direct control over the tradeline and customer credit relationship.

All Klarna Products

Report pay-in-4, monthly financing, and other Klarna installment products to all three bureaus.

HMAC-SHA512 Webhooks

Receive real-time payment events via Klarna's HMAC-SHA512 signed webhook system.

CFPB Compliance

Meet evolving CFPB BNPL reporting guidance with Metro 2 compliant submissions.

Data Fields That Sync

Metro2 maps these fields from Klarna to Metro 2 format automatically.

Customer demographics and identification
Payment plan details (type, terms, amount)
Payment history and dates
Account status and delinquency
Purchase reference and merchant data
Klarna order and session identifiers

Get Set Up in 4 Steps

Obtain API Credentials

Generate API username and password from the Klarna merchant portal. Authentication uses HTTP Basic Auth with Base64 encoding.

Connect Klarna Data

Set up REST API connection and configure HMAC-SHA512 signed webhook endpoints for real-time payment events.

Map Payment Plans

Configure how Klarna products (pay-in-4, monthly financing) map to Metro 2 account types and reporting fields.

Launch Reporting

Validate test data and begin credit bureau submissions under your furnisher ID.

Frequently Asked Questions

Does Klarna report to US credit bureaus?

Klarna does not report short-term BNPL products (like pay-in-4) to US credit bureaus. Only longer-term financing loans are reported to TransUnion by Klarna directly. This Metro2 integration fills the gap by enabling merchants to report all Klarna payment plans under their own furnisher ID.

Who reports - Klarna or the merchant?

With this integration, you report under your own furnisher ID. Klarna does not report short-term BNPL natively, so this is the only way to get those payments onto your customers' credit reports.

How is authentication handled?

Klarna's REST API uses HTTP Basic Auth with your username and password Base64-encoded. Webhooks are signed with HMAC-SHA512 for payload verification.

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Ready to Connect Klarna?

Start reporting to credit bureaus from Klarna today. Our team will help you get set up quickly.