Been searching for something like this for months. Our Shopify store processes 500+ orders monthly and this handles everything perfectly. Date formats, tax columns, refunds - all correct.
Klarna to Xero Converter
or drop .csv, .xls, .xlsx files here
or
Invoice import blocked if Sales Tax enabled in QBO
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What Our Users Say
works good, wish it had batch mode
I was spending 4-5 hours every month reformatting exports manually. This tool paid for itself in the first use. The preview feature helped me verify the mapping before paying.
exactly what i needed thx!!
Super straightforward. Upload, convert, download. No account needed which is nice. Would give 5 stars if they add Xero support.
saved me hours of work
My accountant was so happy when I sent her the converted file. No more back-and-forth about date formats or missing columns. Everything imported correctly on first try.
fast and easy 10/10 would recommend
Been using this for 6 months for monthly reconciliations. Handles all the edge cases - partial refunds, multi-line orders, currency conversions. Very reliable tool.
Good tool, does what it says. Interface could be bit better but conversion quality is excellent. Using it for my 3 Shopify stores.
Switched from A2X to this. Way simpler for my needs - I don't need real-time sync, just clean data once a month. This delivers exactly that.
finally!! something that works with QB desktop!!
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Ready to convert your own data?
Convert Klarna BNPL settlement reports to Xero bank statements in 60 seconds. No integration setup required.
No API required
Browser-based processing
Run on Google Cloud Platform
How It Works
1
Export from Klarna
Merchant Portal → Settlements → Reports → Download Settlement CSV
2
Upload and Configure
Upload Klarna settlement CSV and select your Xero region
3
Preview and Download
Review converted bank statement, download Xero-ready file
4
Import to Xero
Xero: Bank Accounts → Klarna Clearing Account → Import Statement
Why Klarna Settlements Need Special Handling for Xero
The BNPL Fee Problem
Klarna operates on Buy Now Pay Later model. They pay you the full order amount upfront,
then deduct their fee. Settlement reports show NET amounts (after Klarna's commission).
Your Xero sales show $100, but only $96 hits your bank. Manual reconciliation is painful.
What This Tool Does
We convert Klarna settlement reports to match your bank deposits:
- Maps net_settlement_amount to Xero Amount field
- Converts payout_date to your Xero region format
- Preserves merchant_reference for order matching
- Handles refunds with automatic sign conversion
- Creates proper payee and description fields
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.
Field Mapping
How Klarna Settlements fields map to Xero Bank Statement
| Klarna Settlements | Source Value | Xero Bank Statement | Target Value | Note | |
|---|---|---|---|---|---|
payout_date |
2025-01-17 |
→ | Date |
01/17/2025
|
Convert to DD/MM/YYYY or MM/DD/YYYY |
net_settlement_amount |
145.50 |
→ | Amount |
145.50
|
Net after Klarna fees |
merchant_reference |
ORD-2025-001 |
→ | Reference |
ORD-2025-001
|
Merchant order ID |
Why Use This Tool?
BNPL-Specific Conversion
Designed for Buy Now Pay Later settlement structure with net amounts.
No Integration Setup
Works with Klarna Merchant Portal CSV exports. No API required.
Net Amount Mapping
Klarna's net settlement amounts (after fees) mapped correctly to Xero.
Instant Processing
Upload → Preview → Download in under 60 seconds.
Region-Aware Formatting
Supports US and UK/AU/NZ Xero date formats.
Browser-Based Privacy
All conversion happens locally. No server upload.
Data Transformation
Each Klarna settlement becomes one Xero bank statement 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
Xero Bank Statement Row
1 rows per
input
Single bank transaction line for each settlement
Settlement Transaction
Net amount deposited to bank (after Klarna fees deducted)
net_settlement_amount = order_amount - fee_amount
Common Bank Statement Import Errors
Issues you might encounter when importing Settlement Report Export data to Bank Statement - and how we solve them
Missing Payout Dates
Xero import fails because payout_date column is missing or empty
Export the Settlement Report from Klarna Merchant Portal. Ensure the report includes payout_date column. Filter to settled transactions only.
Negative Settlement Amounts
Net settlement shows negative values due to high refund activity or fee adjustments
This is normal for refund-heavy periods. Negative amounts appear as debits in Xero. Review fee structure if consistently negative.
Xero Rejects Import Due to Date Format
Xero can't parse dates because wrong regional format is used
Set the correct region (UK/AU/NZ use DD/MM/YYYY, US uses MM/DD/YYYY). Check your Xero organisation settings.
Merchant References Empty
merchant_reference column is empty making order matching difficult
Enable 'include_merchant_reference' option and ensure your Klarna integration passes merchant_reference when creating orders.
Frequently Asked Questions
Klarna pays you net amounts (after their fee). Importing net amounts matches what actually hits your bank account for easier reconciliation.
Create a separate expense entry in Xero for fees, or use journal entries to split gross/fees/net.
Refunds are automatically detected and converted to negative amounts in Xero import format.
Recommended: Create a 'Klarna Clearing' bank account in Xero, then match transfers to your actual bank account.
Klarna → Xero Data Ecosystem
All available data flows from Klarna to Xero