Klarna QuickBooks Integration

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Integrate Complete

QuickBooks Online Bank Upload CSV Format
valid rows

Seamless Klarna BNPL and QuickBooks Online integration using CSV. No monthly subscription, no complex setup.

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Download Sample Klarna Export

Sample settlement CSV

Download Sample

Tool Rating

4.7 / 5 (22 votes)

How Integration Works

1

Export from Klarna

Merchant Portal → Settlements → Download CSV

2

Upload and Configure

Upload Settlement Report Export CSV and choose Bank Transaction CSV (4-Column) format

3

Preview and Download

Review converted data, download Quickbooks Online-ready file

4

Import to QuickBooks Online

Banking → Select Account → Upload from Computer → Import CSV

Your file is ready for QuickBooks Online Bank Upload CSV — just upload it, no extra steps needed.

How People Use This

Our Shopify store offers Klarna at checkout and the settlement CSVs were a nightmare to reconcile. I converted three months of Klarna settlements to QuickBooks bank format in one batch. The net amounts matched our bank deposits exactly, and the 4-column format made credit-debit splits obvious.

Ingrid S.
E-commerce Operations Manager · 2,200 Klarna orders/mo

Half my clients accept Klarna and I used to spend hours reformatting settlement reports. Now I convert each client's Klarna CSV to QuickBooks format, import it to their clearing account, and match against actual deposits. Month-end close went from two days to a few hours.

Trevor K.
Bookkeeper for DTC Brands · 9 BNPL-heavy clients

Klarna's 15-column CSV was impossible to import directly into QuickBooks Online. The conversion strips out the noise and maps net payout amounts to the right columns. I set up bank rules in QuickBooks so the converted transactions auto-categorize on import.

Priya M.
Freelance Accountant · 500+ settlements/quarter

I switched from manually entering Klarna payouts to converting the full settlement CSV. Each weekly payout now imports cleanly into QuickBooks with payment references intact, so I can trace any transaction back to the original Klarna order.

Damon W.
Shopify Store Owner · 350 orders/mo

We needed our Klarna settlements in QuickBooks for board reporting. The conversion handles refunds automatically and puts them in the Debit column. Our finance team now reconciles Klarna in minutes instead of building manual spreadsheets.

Sophie A.
E-commerce CFO · $1.2M annual Klarna volume

Klarna fees were invisible in my QuickBooks until I started converting the settlement reports properly. Now I import net amounts to a Klarna clearing account and track the fee difference as an expense. Finally have accurate cost-of-payment data.

Carlos R.
Small Business Owner · 180 BNPL transactions/mo

Integration Questions Answered

How are refunds handled?

Refund transactions are automatically placed in the Debit column (or as negative amounts in 3-col format).

Can I directly import Klarna data to QuickBooks?

QuickBooks Online doesn't natively support Klarna imports. Use third-party tools like Alumio, GetMyInvoices, or Link My Books to automate data synchronization between Klarna and QuickBooks.

What format does Klarna use for settlement reports?

Klarna provides settlement reports in CSV, PDF, or JSON format via the Merchant Portal, Settlements API, or SFTP. Each report includes a unique payment reference for bank matching.

Klarna QuickBooks Integration Made Simple

The BNPL Reconciliation Challenge

When you try to connect Klarna to QuickBooks, the 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.

Simple CSV Integration

Our CSV-based integration approach: Export Klarna settlements, convert 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

Seamless and Secure Integration

Automatic Column Matching

Fields from your source file are mapped to the right columns in the target format. No manual work needed.

Runs in Your Browser

Integration runs entirely in your browser. No third-party access to your data.

GDPR Compliant

No data leaves your machine. Full EU privacy compliance.

More credits - more savings

Buy bundles and get up to 60% off. Perfect for recurring monthly conversions.

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 Automate the Data Transfer?

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

Your data never leaves your device. All files are processed entirely in your browser using client-side JavaScript - no data is stored on our servers or sent anywhere. There's no account to hack, no database storing your files, and no API connections to your bank or accounting software. You upload, convert, download, and we forget it immediately.
No payment or signup required. You can upload your file, see a free preview of the conversion results, and verify everything looks correct before paying anything. If it doesn't work for your files, you haven't wasted any money. We only charge when you're satisfied and ready to download the final converted file.
You can, but free scripts and AI often miss edge cases that break real-world data: missing SKUs, currency formatting quirks, tax calculation errors, or date format mismatches. We have battle-tested validators specifically designed for accounting software imports that catch these issues before they corrupt your books. Plus, you get instant browser-based conversion without installing Python or managing dependencies.
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.
QuickBooks Online doesn't natively support Klarna imports. Use third-party tools like Alumio, GetMyInvoices, or Link My Books to automate data synchronization between Klarna and QuickBooks.
A clearing account temporarily holds Klarna settlement data until it reconciles. Debit it with net sales (minus refunds) from Klarna, then credit it when deposits arrive in your bank account.
Common causes: fees recorded with wrong dates, month-end orders funded next month, or split settlements. Set up bank rules to auto-allocate deposits and manually enter Klarna fee invoices.
Download Klarna's monthly fees invoice and record it as a bill in QuickBooks. Allocate the fee amount to your Klarna clearing account with 'No VAT' tax treatment.
Klarna provides settlement reports in CSV, PDF, or JSON format via the Merchant Portal, Settlements API, or SFTP. Each report includes a unique payment reference for bank matching.
Klarna can pay on a daily, weekly, or monthly schedule with a 2-4 business day delay after order capture. Check your Klarna merchant settings for your configured payout frequency.
Export your settlement report from the Klarna Merchant Portal, upload to our converter, then import the bank CSV to QuickBooks Online. No API or monthly subscription needed.
Yes. Our file-based converter syncs Klarna settlement data to QuickBooks using standard CSV exports. You control the timing and pay per conversion instead of recurring fees.

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