Klarna to QuickBooks Online Converter

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Convert Complete

QuickBooks Online Bank Upload CSV Format
valid rows

Convert Klarna BNPL settlement reports to QuickBooks Online bank format in 60 seconds. Simple CSV conversion.

No API required
Browser-based processing
Run on Google Cloud Platform

Download Sample Klarna Export

Sample settlement CSV

Download Sample

Tool Rating

4.7 / 5 (22 votes)

How It Works

1

Export from Klarna

Merchant Portal → Settlements → Download Settlement Report CSV

2

Upload and Configure

Upload settlement CSV and choose QuickBooks format (3-col or 4-col)

3

Preview and Download

Review converted data, download QuickBooks-ready CSV

4

Import to QuickBooks Online

Banking → Select Account → Upload from Computer

Why Klarna Settlements Need Conversion for QuickBooks

The BNPL Reconciliation Challenge

Klarna's Buy Now Pay Later model creates reconciliation headaches. You sell for $100, Klarna deposits $96 (after their 4% fee), but QuickBooks expects bank transactions in specific 3 or 4-column format. Klarna's settlement CSV has 15+ columns that don't match QuickBooks requirements.

What This Tool Does

We convert Klarna settlements to QuickBooks-compatible bank uploads: - Formats dates as MM/DD/YYYY (QuickBooks requirement) - Maps net settlement amounts correctly - Assigns to Credit or Debit columns based on transaction type - Preserves payment references for bank matching - Filters and validates all data

Your Data is Safe

Bank-Level Security

256-bit SSL encryption. Same standards as major financial institutions.

No Data Storage

Files are processed directly in browser. No calls to our servers.

GDPR Compliant

Full EU data protection compliance. Your privacy rights protected.

ISO/IEC 27001 Certified GDPR Compliant Swiss Privacy CCPA Compliant

Field Mapping

How Klarna Settlements fields map to Quickbooks Online Bank Transaction

Klarna Settlements Source Value Quickbooks Online Bank Transaction Target Value Note
payout_date 2025-01-17 Date 01/17/2025 Convert to MM/DD/YYYY
net_settlement_amount 145.50 Credit/Debit Net after Klarna fees
merchant_reference ORD-2025-001 Description ORD-2025-001 Order reference
order_id KL-12345-ABCDE Description KL-12345-ABCDE Klarna order identifier

Why Use This Tool?

BNPL-Optimized

Designed specifically for Buy Now Pay Later settlement structures.

No Integration Required

Works with Klarna Portal CSV exports. No API or developer setup.

Net Amount Handling

Correctly maps net settlement amounts (after Klarna fees) to QuickBooks.

Instant Conversion

Upload → Download in under 60 seconds.

Format Flexibility

Choose 3-column or 4-column QuickBooks format.

Browser-Based Processing

Files process locally. Zero server upload.

Data Transformation

Each Klarna settlement becomes one QBO bank transaction row

Input Klarna Settlement

One row per order settlement with net amount after fees

Key columns: order_id, payout_date, net_settlement_amount, fee_amount
1:1 — One input row creates one output row
Output QBO Bank Transaction 1 rows per input

Single bank transaction line for each settlement

Settlement Transaction Net amount deposited to bank (Credit for sales, Debit for refunds)
net_settlement_amount = order_amount - fee_amount

Common Bank Transaction CSV (4-Column) Import Errors

Issues you might encounter when importing Settlement Report Export data to Bank Transaction CSV (4-Column) - and how we solve them

QuickBooks Rejects Wrong Column Count

QBO expects 3-column format but got 4-column (or vice versa)

Toggle 'use_3col_format' option. QBO bank feeds sometimes require 3-column (Date, Description, Amount), sometimes 4-column (Date, Description, Credit, Debit).

QuickBooks Doesn't Recognize Dates

QBO requires MM/DD/YYYY format for dates

Processor uses MM/DD/YYYY by default. Ensure Klarna export has valid dates.

Negative Settlement Amounts

Net settlement shows negative values due to high refund activity

This is normal for refund-heavy periods. In 4-column format, these appear as Debits. In 3-column format as negative amounts.

Frequently Asked Questions

4-column format (Credit/Debit) is recommended as it's more explicit and less error-prone during import.
This imports net amounts. To track fees separately, create manual journal entries or import fee reports as expenses.
Refund transactions are automatically placed in the Debit column (or as negative amounts in 3-col format).
Consider creating a 'Klarna Clearing' account in QuickBooks, then matching transfers to your actual bank account.