How to Test Klarna Payments

The steps below walk through creating a Klarna payment request in the Bead sandbox, completing checkout with Klarna’s test account, and confirming the resulting webhook and payment status.

1 – Prerequisites

Item	Notes
Merchant has Klarna enabled	Contact developer support if Klarna is not yet activated for your sandbox merchant.
Sandbox base URL	https://api.test.devs.beadpay.io
Webhook endpoint	Publicly reachable and registered with Bead.

2 – Create a Bead payment request

POST /payments/alt
Host: api.test.devs.beadpay.io
Authorization: Bearer YOUR_ACCESS_TOKEN
Content-Type: application/json

{
  "terminalId": "TERM-123",
  "merchantId": "MERCH-456",
  "requestedAmount": 35.00,
  "reference": "ORDER-0001",
  "redirectUrl": "https://merchant.example.com/return"
}

The response contains a paymentUrl and trackingId.

{
  "trackingId": "c10b29e3c...",
  "paymentUrls": [
    {
      "type": "web",
      "url": "string"
    }
  ]
}

3 – Present the Klarna checkout

Option	How it works
Display as QR code	Generate a QR code for the paymentUrl. • The tester can scan the code with their phone camera; the camera app opens Klarna’s checkout page. • The tester may also tap / click the QR code in the UI to copy the URL, then paste it into any browser.
Redirect in-page	Embed the paymentUrl in an iframe or redirect the shopper’s browser window directly.

4 – Complete checkout with Klarna’s test account

Field	Test value
Phone number	716-220-4669
PIN (if prompted)	123456

Follow Klarna’s sandbox prompts until the shopper is redirected back to your redirectUrl.

5 – Verify the result

1. Webhook – A POST request arrives at your webhook endpoint with paymentStatus set to completed.

2. API confirmation (optional) – Call GET /payments/{trackingId}. The response should show status = completed and a non-zero settlementAmount.

6 – Troubleshooting

Symptom	Resolution
klarna_payment_method_disabled	Klarna not enabled for this merchant; request activation.
Shopper error “Purchase can’t be completed”	Amount outside sandbox limits (1–2 000 USD). Retry within limits.
No webhook received	Verify the webhook URL is public and whitelisted.
invalid_tender_type when creating payment	Ensure "tenderType": "klarna" is spelled exactly.

7 – Next steps

• Test higher amounts and edge cases (cancellation, expiry).

• Switch to production by using https://api.devs.beadpay.io and live Klarna credentials.