Technology Partnership · Buy Now Pay Later
Klarna Buy Now Pay Later (BNPL) inside SAP order-to-cash.
Klarna is the leading buy-now-pay-later platform — present at checkout for over 150 million consumers across 45 markets. deBCor integrates Klarna flexible payment plans directly into SAP so your customers get installment options at checkout and your SAP AR reflects the receivable correctly from day one.
See It in Action
Klarna integrated into SAP — end to end.
See how deBCor connects Klarna flexible payment plans directly into SAP order-to-cash — from checkout authorization through to SAP AR posting, installment capture, and settlement reconciliation.
The Business Case
Buy Now Pay Later (BNPL) lifts conversion. The SAP integration makes it operationally viable.
Klarna increases average order value and reduces basket abandonment at checkout. The challenge for SAP-driven retailers and distributors is making Buy Now Pay Later work operationally — so the installment plan, the receivable, the settlement, and the downstream fulfillment all remain in sync without manual reconciliation. That's the integration problem deBCor solves.
Pay in 4 / Pay in 3
Klarna's split-payment options (Pay in 4 installments, Pay in 3 installments) connected to SAP — so the initial authorization, each installment capture, and the final settlement all post correctly to SAP AR and FI without manual entries.
Pay Later (Invoice)
Klarna Pay Later integrated into SAP invoice billing — customers pay within 14–30 days, Klarna carries the risk, and SAP sees a cleared receivable immediately upon Klarna authorization.
Klarna Financing
Longer-term financing options (6–36 months) connected to SAP — for higher-value B2C purchases where installment plans drive conversion. Klarna manages the consumer credit; SAP recognizes the revenue on delivery.
Order-to-Cash Sync
Klarna authorization events trigger SAP delivery release. Klarna settlement events clear SAP AR. Returns and refunds flow back through Klarna and post to SAP automatically — the full O2C cycle stays connected.
Settlement Reconciliation
Klarna settlement reports processed automatically against SAP AR — matching Klarna payouts to open invoices, clearing receivables, and posting the platform fee to the correct cost center without a spreadsheet in the middle.
Multi-Market
Klarna operates across 45 markets with different product availability per country. deBCor's integration handles country-level product routing — offering the right Klarna options in each market while keeping SAP company code separation intact.
Getting the accounting right is where most integrations fail.
Buy Now Pay Later (BNPL) accounting in SAP has edge cases that generic payment integrations miss: revenue recognition timing when Klarna pays you before the customer pays Klarna, installment capture sequencing, return credits across partially settled plans, and fee treatment. deBCor designs the SAP accounting model before building the integration — so the finance team doesn't discover the edge cases during month-end close.
Revenue timing
Revenue recognized correctly whether you record on Klarna authorization, settlement, or delivery — per your accounting policy.
Fee treatment
Klarna merchant fees posted to the correct SAP cost center, not netted against the gross receivable and lost in AR.
Return handling
Partial and full returns across open installment plans credited back correctly in both Klarna and SAP AR.
Ready to add Klarna to your SAP checkout?
Talk to a senior architect about Klarna integration — checkout experience, SAP accounting treatment, or full order-to-cash automation.
Klarna and the Klarna logo are trademarks of Klarna Bank AB. Logo and badge assets are used in accordance with Klarna's partner marketing guidelines. deBCor Engineering is a Klarna integration partner and is not an employee or agent of Klarna. Klarna's flexible payment plans are subject to eligibility. Payment terms and conditions apply — see klarna.com for full details.