Klarna settlements bundle orders, refunds, and fees into one payout, which makes reconciliation a nightmare. I validate every settlement CSV before importing to Xero. The tool caught 14 rows with blank order IDs last quarter that would have created orphaned transactions in my books.
Klarna Settlement Validator
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Invoice import blocked if Sales Tax enabled in QBO
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Validation Report Format
Showing valid rows only (download includes all rows + errors)
All rows valid
| $ |
|---|
+ more rows
valid rows
invalid rows skipped from preview
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| Row | Column | Value | Error |
|---|---|---|---|
Showing first 50 errors. more errors not shown.
more errors hidden. Download the full validation report to see all errors.
Validation Report Download
The download includes your original file with an added "Validation Error" column showing error messages for each row. Valid rows have an empty error column.
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Validate Klarna settlement CSV exports before importing to accounting. Catch BNPL data errors early.
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Validation Questions Answered
What's checked?
Required fields, date formats, numeric amounts, and fee calculations.
How do I access my Klarna settlement reports?
Settlement reports are available via Klarna's Merchant Portal, Settlements API, or SFTP. CSV format is most commonly used for order-level reconciliation and accounting system imports.
What's included in a settlement report?
Reports include payout date, sales period, payment reference, merchant ID, total sales, fees, returns, and individual transaction details with unique order IDs.
How Validation Works
1
Export from Klarna
Merchant Portal → Settlements → Download CSV
2
Upload CSV
Upload your Settlement Report Export export file
3
Review Validation Results
Check your Klarna data for errors and warnings
Issues are flagged inline with clear fix suggestions — review and correct before you import.
How People Use This
Three of my clients use Klarna and the settlement exports always have issues. Mixed decimal formats, missing payout dates, fee columns that don't add up. Running validation first saves me from chasing errors during month-end close. It flagged a $1,200 refund that Klarna listed with a positive sign instead of negative.
Selling across Europe means Klarna settles in multiple currencies. The validator catches amount formatting inconsistencies between my EUR and SEK settlement files before I import them. Last month it flagged rows where the fee calculation was off by the VAT amount, saving me hours of manual reconciliation.
Why Validate Klarna Settlements
BNPL Data Complexity
Klarna settlement reports include order amounts, fees, refunds, and net settlements.
Missing or invalid data causes import failures in accounting software.
Validate Before Import
Check for missing order IDs, invalid payout dates, malformed amounts, and fee calculation errors.
Fix issues before attempting import to Xero or QuickBooks.
Your Data Stays Private During Validation
Every Row Checked
Each record is validated against format rules. Catch errors before they reach your platform.
Runs in Your Browser
Validation happens locally. Your data never leaves your browser.
GDPR Compliant
No files uploaded, no data retained. Full EU privacy compliance.
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Yes! Full refund within 14 days if no credits used. Partial refund for unused credits anytime. Contact sup@spreadsheetbroccoli.com.
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Why Validate Before Importing?
BNPL Validation
Checks fee structure and net amounts
Error Detection
Row-by-row error reporting
Quick Check
Validate in 30 seconds
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.
Common Target Import Errors
Issues you might encounter when importing Source data to Target - and how we solve them
Missing Order ID
Klarna order_id is required but missing
Empty order_id column
KL-12345-ABCDE
Ensure order_id column is included in Klarna export
Re-export from Klarna Merchant Portal with all columns
Invalid Payout Date
payout_date is not in valid date format
invalid-date
2025-01-17
Use standard date format from Klarna export
Don't modify dates after exporting from Klarna
Invalid Net Settlement Amount
net_settlement_amount contains non-numeric value
N/A or #REF!
145.50
Net amounts must be numeric
Check for Excel formula errors
Missing Merchant Reference
merchant_reference (your order ID) is missing
(blank)
ORD-2025-001
Include merchant_reference in Klarna report configuration
Configure Klarna settlement reports to include merchant references
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.
Required fields, date formats, numeric amounts, and fee calculations.
Settlement reports are available via Klarna's Merchant Portal, Settlements API, or SFTP. CSV format is most commonly used for order-level reconciliation and accounting system imports.
Klarna provides settlement reports in CSV, PDF, and JSON formats. CSV is ideal for reconciliation, PDF for tax reporting, and JSON for API integrations.
Yes, the Report Configurator allows you to customize columns, delimiters, date formats, and amount formats to match your accounting system requirements.
Reports include payout date, sales period, payment reference, merchant ID, total sales, fees, returns, and individual transaction details with unique order IDs.
Match the payment reference in your bank statement to the settlement report. Account for net sales, refunds, and fees separately in your accounting system.
Settlement reports are kept on Klarna's SFTP for 90 days before automatic deletion. Download and archive older reports as needed.
Temporary .tmp files are reports currently being created. Ignore these files and download only completed settlement reports with standard extensions.
Klarna can settle merchants daily, weekly, or monthly with a configurable delay of 2-4 business days after order capture, depending on your agreement.
Monthly fees appear as a separate invoice in the Settlements > Invoices section, not in the settlement report. Download and record these as bills separately.
After Validation: Convert Your Settlement Report Export
Once your Klarna export passes validation, convert it to your accounting format
Klarna
Settlement Report Export
Your validated export
→
Quickbooks Online
Bank Transaction CSV (4-Column)
QuickBooks Online bank transaction import - 4-column format
payout_date → Date
net_settlement_amount → Credit/Debit
merchant_reference → Description
Klarna
Settlement Report Export
Your validated export
→
Xero
Bank Statement
Bank transactions for reconciliation
payout_date → Date
net_settlement_amount → Amount
merchant_reference → Reference
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