Sell globally with Klarna Payments

Sell globally with Klarna Payments

If you use Klarna Payments for WooCommerce and want to sell to more countries than where you are based and offer more currencies than your own, there are some steps you need to take before you can start to sell globally with Klarna Payments. You should also be aware that additional agreements entail additional costs.

Keep in mind that there is a big difference between Klarna Payments and selling with Klarna Checkout and their global checkout as we describe in a previous post. In Klarna Payments there is no global checkout to use. Instead, separate agreements are required for each country and currency.

The example scenario

You have an online store and want to sell to several different countries. In this example, we assume that your store is based in Sweden (which is within the EU) and that your currency is set to Swedish kronor (SEK).

You know you want to target some specific countries, in this example you want to sell with Klarna Payments to Germany and Norway.

You want your customers to be able to pay in their own currency, which is EUR (Germany) and NOK (Norway).

What you need to do

Core countries

First of all you need to have an agreement with Klarna for the Core countries you wish to sell to.

A core country is a country where Klarna offers Klarna Credit, local non-risk payment methods and card options.

A core country is only considered a core country if the currency is local for that market as well.
The current offered core countries in combination with their local currencies.

So in our example, you need to sign a “Core countries” agreement with Klarna for the countries Germany and Norway. You then need to activate this in the plugin by entering the username and password for the countries you added. You do that in the settings for Klarna Payments.

Sell globally with Klarna Payments

Additional steps

Multi currency switcher

Earlier we also mentioned that you in this example want your customers to be able to pay in their own currency. For this you will need a multi currency switcher plugin. There are several to choose from, but we recommend Aelia Currency Switcher for WooCommerce as it is a plugin we ourselves use in tests.

The customer pay in their currency
Geolocate your customers


Since you want to sell to other countries, you also want your prices to be displayed with or without tax, depending on where the customer is located. In this example, you are based within the EU and then other EU residents (Germany) should see the price including VAT, and those outside the EU excluding VAT (Norway).

Under WooCommerce > Settings > General you can set which countries you want to sell and ship to. You also have the setting Default customer location where you decide which location WooCommerce will assume your customers are from, before they fill in this information themselves, to calculate taxes and freight.

If you want to sell to several countries, you either need to use Geolocate or Geolocate (with page caching support).

Geolocate verifies the customer’s current location and calculates the tax accordingly.
Geolocate (with page caching support) is the same as above, but does the localization via Ajax. You may notice that your URLs get the extension ?v=xxxxx. This is normal to prevent static caching of prices.

When localization is enabled, you need to create an account with MaxMind and complete the configuration of MaxMind geolocation in the Integration tab in the WooCommerce settings.

  1. Create an MaxMind Geolocation account
  2. Create a MaxMind License Key
  3. Add MaxMind Geolocation License Key to WooCommerce settings
    1. Go to: WooCommerce > Settings > Integration > MaxMind Geolocation
    2. Paste the license key
    3. Select “Save changes”

There is a more extensive step-by-step guide at the official WooCommerce documentation.


When you use Klarna Payments, an agreement is required for each country and currency you want to sell to. You also need to ensure that your store locates your customers correctly.

So if you want to sell to Norway, it is required that you have an agreement for this with Klarna, that WooCommerce detects that the customer is from Norway and that the currency is NOK.

If these requirements are not met, the desired payment method will not be displayed, or you will receive an error message.

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