How to Test Klarna Payments

This guide shows how to create a payment request that launches Bead’s hosted checkout page, select Klarna in the UI, complete the Sandbox checkout using Klarna test credentials, and verify the result.

1 – Prerequisites

Item	Notes
Klarna enabled for your Sandbox merchant and terminal	Contact developer support if Klarna is not yet activated for your Sandbox environment.
Sandbox base URL	https://api.test.devs.beadpay.io
Hosted payment page base	Returned in paymentUrls
Terminal API key	You need the real API key value. The masked API key is not usable.
merchantId and terminalId	Must match the terminal API key you were issued.
Webhook endpoint (recommended)	Publicly reachable and registered in the Bead dashboard.

Authentication note: Payments endpoints use header-based authentication. Send your API key as X-Api-Key on every request.

2 – Create Payment Request

Send a POST /Payments/crypto to generate the hosted checkout URL.

Required headers:

• X-Api-Key: {apiKey}

• Content-Type: application/json

Klarna testing requires customer details in the request. Minimum required fields depend on the terminal type:

Terminal type	Required fields
virtual	merchantId, terminalId, requestedAmount, refundEmail, and customer
physical	merchantId, terminalId, requestedAmount, and customer

The customer object should include:

• firstName

• lastName

• email

• address

• address2

• city

• state

• postalCode

• countryCode

Example request for terminal type = virtual

curl -s -X POST "https://api.test.devs.beadpay.io/Payments/crypto" \
  -H "Content-Type: application/json" \
  -H "X-Api-Key: {apiKey}" \
  -d '{
    "merchantId": "{merchantId}",
    "terminalId": "{terminalId}",
    "requestedAmount": 1,
    "refundEmail": "[email protected]",
    "customer": {
      "firstName": "Jordan",
      "lastName": "Reed",
      "email": "[email protected]",
      "address": "456 Market St",
      "address2": "Suite 210",
      "city": "Chicago",
      "state": "IL",
      "postalCode": "60601",
      "countryCode": "US"
    }
  }'

Example request for terminal type = physical

curl -s -X POST "https://api.test.devs.beadpay.io/Payments/crypto" \
  -H "Content-Type: application/json" \
  -H "X-Api-Key: {apiKey}" \
  -d '{
    "merchantId": "{merchantId}",
    "terminalId": "{terminalId}",
    "requestedAmount": 1,
    "customer": {
      "firstName": "Taylor",
      "lastName": "Brooks",
      "email": "[email protected]",
      "address": "88 Lakeview Ave",
      "address2": "",
      "city": "Denver",
      "state": "CO",
      "postalCode": "80202",
      "countryCode": "US"
    }
  }'

Example response:

{
  "trackingId": "c10b29e3c...",
  "paymentPageId": "6539fa89f0363f1722b377ef",
  "paymentUrls": [
    "https://pay.test.devs.beadpay.io/6539fa89f0363f1722b377ef"
  ]
}

Save these values:

• paymentUrls[0] for the hosted checkout URL

• trackingId to check status

• paymentPageId for support and troubleshooting

3 – Launch Hosted Payment Page

Use paymentUrls[0] to launch checkout.

Option	Details
Redirect	Redirect the shopper’s browser to the hosted page URL.
Embed	Load the hosted page URL in an iframe inside your site.

The shopper now sees Bead’s hosted payment page.

4 – Select Klarna and Open Klarna Checkout

1. In the Bead hosted UI, select Klarna as the payment method.

2. Bead displays a Klarna QR code linked to Klarna’s Sandbox checkout.

How the tester can open Klarna checkout:

• Scan the QR code with a phone camera to open Klarna in the mobile browser.

• Click or tap the QR code to copy the Klarna checkout URL, then paste it into any browser.

5 – Complete Klarna Sandbox Checkout

Use the following test values in Klarna’s Sandbox flow.

Field	Test value
Phone number	716-220-4669
PIN (if prompted)	123456
Card number	4111 1111 1111 1111
Card expiry	Any future MM/YY, for example 12/29
Card CVV	123

Follow Klarna’s prompts until the shopper is returned to your redirectUrl, if you provided one.

6 – Verify Result

You can verify completion using webhooks and, optionally, an API status check.

Option A: Webhook verification

Confirm your webhook endpoint receives a payment event indicating completion. Look for a status field that indicates the payment is completed.

Option B: API status check (optional)

Use the same terminal API key approach as POST /Payments/crypto.

Endpoint: GET /payments/tracking/{trackingId}

Example curl:

curl -s -X GET "https://api.test.devs.beadpay.io/payments/tracking/{trackingId}" \
  -H "X-Api-Key: {apiKey}" \
  -H "Accept: application/json"

What to confirm:

• The response shows the payment in a completed state.

• Amount fields reflect a successful payment for the requested amount.

Troubleshooting

Common issues:

• Klarna does not appear as a tender option Klarna may not be enabled for the Sandbox merchant or terminal. Confirm enablement with developer support.

• 401 Unauthorized The API key is missing or invalid, or the header name is wrong. The header must be exactly X-Api-Key.

• 403 Forbidden The API key is valid but not permitted for the merchantId or terminalId in your request. Confirm the IDs match the credential set you were issued and that you are using the correct environment.

• Validation error on payment creation Confirm you are using the correct minimum request shape for the terminal type. Terminals with type = virtual require refundEmail; terminals with type = physical do not. Both terminal types require the customer object for Klarna testing.

• Redirect does not happen Confirm you set a valid redirectUrl. If not provided, Bead will display a hosted confirmation screen instead of redirecting.

7 – Next Steps

• Test different amounts and run cancellation or expiry scenarios.

• Validate your production readiness using webhooks plus status checks and avoid tight polling loops.

• Update related payment examples to reflect terminal-type-specific minimum request fields where Klarna is supported.