I spent an entire afternoon each month reconciling Klarna for just one client. The net settlement amounts never matched the bank feed because Klarna batches orders from different days into a single payout. Now the converted file lines up with Xero's bank feed row by row. Twelve clients, done by lunch.
Klarna Xero Reconciliation Tool
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Xero Reconciliation CSV Format
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Reconcile Klarna BNPL settlements with Xero bank accounts. Match net payouts to bank transactions effortlessly.
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Reconciliation Questions Answered
What is a Klarna clearing account?
A clearing account is a temporary holding account on your balance sheet where Klarna funds in transit are recorded until deposited to your bank. It tracks the timing difference between when sales occur and when payment arrives.
How do I account for Klarna fees?
Download your monthly fees invoice from Klarna's Merchant Portal (Settlements > Invoices) and enter it as a bill in Xero. Post fees to your fee account and credit the Klarna clearing account.
How often does Klarna pay out?
Klarna pays out on a daily, weekly, or monthly schedule based on your agreement, typically within 2-4 business days after an order is captured.
How Reconciliation Works
1
Export from Klarna
Merchant Portal → Settlements → Download CSV
2
Upload and Configure
Upload Settlement Report Export CSV and choose Bank Statement format
3
Preview and Download
Review converted data, download Xero-ready file
4
Import to Xero
Accounting → Bank Accounts → Select Account → Import Statement
Discrepancies are highlighted with clear match and mismatch indicators — review differences at a glance.
How People Use This
The variance kept showing up because Klarna's BNPL split payments were arriving across two different settlement cycles. Half the order value would hit my account one week, the rest the next. My clearing account always had a hanging balance at month-end. Now I can see the payout breakdown per settlement date and the balance clears properly.
Bank deposits didn't match because Klarna was deducting return shipping fees and late-payment adjustments before settling. I had no idea where the difference was going. The tool breaks out each deduction so I can post fees to the right expense account in Xero. Month-end close went from a stressful weekend task to something I finish on Friday afternoon.
My client's Klarna clearing account was off by $2,300 at year-end and nobody could explain it. Turned out refunds from December were settled in January with a different payment reference. Having the settlement data properly mapped to Xero meant we could trace every cent back to a specific payout. Clean opinion, no adjustments.
Reconciling Klarna BNPL Settlements in Xero
BNPL Reconciliation Challenge
Klarna's net settlement amounts (after fees) must match bank deposits in Xero.
Without proper formatting, reconciliation is manual and error-prone.
Reconciliation-Ready Format
We format Klarna settlements with net amounts and payout dates that match
your bank deposits exactly. Reconciliation becomes point-and-click.
Secure, Private Reconciliation
Row-by-Row Matching
Records matched row by row. Mismatches surfaced clearly for review.
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Both files compared in your browser. Nothing uploaded to any server.
GDPR Compliant
No data stored or transmitted. Full EU privacy compliance.
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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 Reconcile Your Data First?
Net Amount Matching
Matches bank deposits
Payout Date Alignment
Dates match bank statements
Quick Reconciliation
60-second format
No API Setup
Works with standard CSV exports. No technical setup required.
60-Second Processing
Upload, convert, download in under a minute.
No Monthly Fees
Pay per use only. No subscriptions or recurring charges.
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
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.
Create 'Klarna Clearing' in Xero, reconcile against real bank account.
Yes. Net settlement amounts match bank deposit totals.
A clearing account is a temporary holding account on your balance sheet where Klarna funds in transit are recorded until deposited to your bank. It tracks the timing difference between when sales occur and when payment arrives.
Download your monthly fees invoice from Klarna's Merchant Portal (Settlements > Invoices) and enter it as a bill in Xero. Post fees to your fee account and credit the Klarna clearing account.
A leftover balance usually means funds from sales in that month haven't been deposited yet. This is normal and should clear once Klarna deposits the funds to your bank.
Klarna pays out on a daily, weekly, or monthly schedule based on your agreement, typically within 2-4 business days after an order is captured.
In some regions, Klarna settles refunds separately as negative payouts. Check your settlement report to see if refunds reduced your payout amount.
If Klarna sends multiple payments, match each to your bank deposit using the unique payment reference. Each deposit should be allocated to the clearing account.
Sales date is when the customer transacts; settlement date is when Klarna actually pays you. The clearing account bridges this timing gap.
Yes, use Xero bank rules to automatically allocate Klarna deposits to your clearing account, reducing manual reconciliation work.
Klarna → Xero Data Ecosystem
All available data flows from Klarna to Xero
Also available as
This platform pair is available in 1 other hub
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