<?php
/**
* Klarna Payment Method Definition
*
* @package WCPay\PaymentMethods\Configs\Definitions
*/
namespace WCPay\PaymentMethods\Configs\Definitions;
use WC_Payments_Utils;
use WCPay\PaymentMethods\Configs\Interfaces\PaymentMethodDefinitionInterface;
use WCPay\PaymentMethods\Configs\Constants\PaymentMethodCapability;
use WCPay\Constants\Country_Code;
use WCPay\Constants\Currency_Code;
use WCPay\PaymentMethods\Configs\Utils\PaymentMethodUtils;
/**
* Class implementing the Klarna payment method definition.
*/
class KlarnaDefinition implements PaymentMethodDefinitionInterface {
/**
* Get the internal ID for the payment method
*
* @return string
*/
public static function get_id(): string {
return 'klarna';
}
/**
* Get the keywords for the payment method. These are used by the duplicate detection service.
*
* @return string[]
*/
public static function get_keywords(): array {
return [ 'klarna' ];
}
/**
* Get the Stripe payment method ID
*
* @return string
*/
public static function get_stripe_id(): string {
return PaymentMethodUtils::get_stripe_id( self::get_id() );
}
/**
* Get the Stripe PaymentMethod type.
*
* @return string
*/
public static function get_stripe_payment_method_type(): string {
return self::get_id();
}
/**
* Get the customer-facing title of the payment method
*
* @param string|null $account_country Optional. The merchant's account country.
*
* @return string
*/
public static function get_title( ?string $account_country = null ): string {
return __( 'Klarna', 'woocommerce-payments' );
}
/**
* Get a dynamic title based on charge details from Stripe.
*
* @param string $account_country The merchant's account country.
* @param array $payment_details The payment method details from the Stripe charge.
*
* @return string|null The dynamic title, or null to use the default get_title().
*/
public static function get_title_from_charge_details( string $account_country, array $payment_details ): ?string {
return null;
}
/**
* Get the title of the payment method for the settings page.
*
* @param string|null $account_country Optional. The merchant's account country.
*
* @return string
*/
public static function get_settings_label( ?string $account_country = null ): string {
return self::get_title( $account_country );
}
/**
* Get the customer-facing description of the payment method
*
* @param string|null $account_country Optional. The merchant's account country.
* @return string
*/
public static function get_description( ?string $account_country = null ): string {
return __( 'Allow customers to pay over time or pay now with Klarna.', 'woocommerce-payments' );
}
/**
* Get the list of supported currencies
*
* @return string[] Array of currency codes
*/
public static function get_supported_currencies(): array {
return [
Currency_Code::UNITED_STATES_DOLLAR,
Currency_Code::POUND_STERLING,
Currency_Code::EURO,
Currency_Code::DANISH_KRONE,
Currency_Code::NORWEGIAN_KRONE,
Currency_Code::SWEDISH_KRONA,
];
}
/**
* Get the list of supported countries.
*
* Klarna has domestic transaction restrictions with special handling for EEA merchants:
* - Non-EEA merchants (e.g., US): Only domestic transactions allowed (single country).
* - EEA/UK/Switzerland merchants: Cross-border within EEA allowed, but only to countries
* that share the store's domestic currency.
*
* @param string|null $account_country Optional. The merchant's account country.
* Required for domestic/EEA cross-border logic.
* @return string[] Array of country codes
*/
public static function get_supported_countries( ?string $account_country = null ): array {
// All countries where Klarna is available.
$all_supported_countries = [
Country_Code::UNITED_STATES,
Country_Code::UNITED_KINGDOM,
Country_Code::AUSTRIA,
Country_Code::GERMANY,
Country_Code::NETHERLANDS,
Country_Code::BELGIUM,
Country_Code::SPAIN,
Country_Code::ITALY,
Country_Code::IRELAND,
Country_Code::DENMARK,
Country_Code::FINLAND,
Country_Code::NORWAY,
Country_Code::SWEDEN,
Country_Code::FRANCE,
];
if ( null === $account_country ) {
return $all_supported_countries;
}
$account_country = strtoupper( $account_country );
// Countries in the EEA can transact across all other EEA countries.
// This includes Switzerland and the UK who aren't strictly in the EU.
$eea_extended_countries = array_merge(
WC_Payments_Utils::get_european_economic_area_countries(),
[ Country_Code::SWITZERLAND, Country_Code::UNITED_KINGDOM ]
);
// If the merchant is NOT in the EEA/UK/Switzerland, apply strict domestic restriction.
if ( ! in_array( $account_country, $eea_extended_countries, true ) ) {
// Non-EEA merchants can only accept domestic transactions.
if ( in_array( $account_country, $all_supported_countries, true ) ) {
return [ $account_country ];
}
return $all_supported_countries;
}
// Merchant is in EEA/UK/Switzerland - apply cross-border currency logic.
$store_currency = strtoupper( \get_woocommerce_currency() );
$limits = self::get_limits_per_currency();
// If the store currency is not supported by Klarna, return no countries.
if ( ! isset( $limits[ $store_currency ] ) ) {
return [ 'NONE_SUPPORTED' ];
}
// Only countries that support the store's currency are eligible.
$countries_supporting_currency = array_keys( $limits[ $store_currency ] );
return array_values( array_intersect( $eea_extended_countries, $countries_supporting_currency ) );
}
/**
* Get the payment method capabilities
*
* @return string[]
*/
public static function get_capabilities(): array {
return [
PaymentMethodCapability::BUY_NOW_PAY_LATER,
PaymentMethodCapability::REFUNDS,
PaymentMethodCapability::DOMESTIC_TRANSACTIONS_ONLY,
];
}
/**
* Get the URL for the payment method's icon
*
* @param string|null $account_country Optional. The merchant's account country.
*
* @return string
*/
public static function get_icon_url( ?string $account_country = null ): string {
return plugins_url( 'assets/images/payment-methods/klarna-pill.svg', WCPAY_PLUGIN_FILE );
}
/**
* Get the URL for the payment method's dark mode icon
*
* @param string|null $account_country Optional. The merchant's account country.
*
* @return string Returns regular icon URL if no dark mode icon exists
*/
public static function get_dark_icon_url( ?string $account_country = null ): string {
return self::get_icon_url( $account_country );
}
/**
* Get the URL for the payment method's settings icon
*
* @param string|null $account_country Optional. The merchant's account country.
*
* @return string
*/
public static function get_settings_icon_url( ?string $account_country = null ): string {
return plugins_url( 'assets/images/payment-methods/klarna.svg', WCPAY_PLUGIN_FILE );
}
/**
* Get the testing instructions for the payment method
*
* @param string $account_country The merchant's account country.
* @return string HTML string containing testing instructions
*/
public static function get_testing_instructions( string $account_country ): string {
return '';
}
/**
* Get the currency limits for the payment method
*
* @return array<string,array<string,array{min:int,max:int}>>
*/
public static function get_limits_per_currency(): array {
return [
Currency_Code::UNITED_STATES_DOLLAR => [
Country_Code::UNITED_STATES => [
'min' => 100,
'max' => 1000000,
], // Represents USD 1 - 10,000 USD.
],
Currency_Code::POUND_STERLING => [
Country_Code::UNITED_KINGDOM => [
'min' => 100,
'max' => 500000,
], // Represents GBP 1 - 5,000 GBP.
],
Currency_Code::EURO => [
Country_Code::AUSTRIA => [
'min' => 100,
'max' => 1000000,
], // Represents EUR 1 - 10,000 EUR.
Country_Code::BELGIUM => [
'min' => 100,
'max' => 1000000,
], // Represents EUR 1 - 10,000 EUR.
Country_Code::GERMANY => [
'min' => 100,
'max' => 1000000,
], // Represents EUR 1 - 10,000 EUR.
Country_Code::NETHERLANDS => [
'min' => 100,
'max' => 500000,
], // Represents EUR 1 - 5,000 EUR.
Country_Code::FINLAND => [
'min' => 100,
'max' => 1000000,
], // Represents EUR 1 - 10,000 EUR.
Country_Code::SPAIN => [
'min' => 100,
'max' => 1000000,
], // Represents EUR 1 - 10,000 EUR.
Country_Code::IRELAND => [
'min' => 100,
'max' => 400000,
], // Represents EUR 1 - 4,000 EUR.
Country_Code::ITALY => [
'min' => 100,
'max' => 400000,
], // Represents EUR 1 - 4,000 EUR.
Country_Code::FRANCE => [
'min' => 100,
'max' => 400000,
], // Represents EUR 1 - 4,000 EUR.
],
Currency_Code::DANISH_KRONE => [
Country_Code::DENMARK => [
'min' => 100,
'max' => 10000000,
], // Represents DKK 1 - 100,000 DKK.
],
Currency_Code::NORWEGIAN_KRONE => [
Country_Code::NORWAY => [
'min' => 100,
'max' => 10000000,
], // Represents NOK 1 - 100,000 NOK.
],
Currency_Code::SWEDISH_KRONA => [
Country_Code::SWEDEN => [
'min' => 100,
'max' => 10000000,
], // Represents SEK 1 - 100,000 SEK.
],
];
}
/**
* Whether this payment method is available for the given currency and country
*
* @param string $currency The currency code to check.
* @param string $account_country The merchant's account country.
*
* @return bool
*/
public static function is_available_for( string $currency, string $account_country ): bool {
return PaymentMethodUtils::is_available_for( self::get_supported_currencies(), self::get_supported_countries( $account_country ), $currency, $account_country );
}
/**
* Get the minimum amount for this payment method for a given currency and country
*
* @param string $currency The currency code.
* @param string $country The country code.
*
* @return int|null The minimum amount or null if no minimum.
*/
public static function get_minimum_amount( string $currency, string $country ): ?int {
$limits = self::get_limits_per_currency();
if ( isset( $limits[ $currency ][ $country ]['min'] ) ) {
return $limits[ $currency ][ $country ]['min'];
}
return null;
}
/**
* Get the maximum amount for this payment method for a given currency and country
*
* @param string $currency The currency code.
* @param string $country The country code.
*
* @return int|null The maximum amount or null if no maximum.
*/
public static function get_maximum_amount( string $currency, string $country ): ?int {
$limits = self::get_limits_per_currency();
if ( isset( $limits[ $currency ][ $country ]['max'] ) ) {
return $limits[ $currency ][ $country ]['max'];
}
return null;
}
}