# How to connect Klarna with ChatGPT

```json
{
  "title": "How to connect Klarna with ChatGPT",
  "toolkit": "Klarna",
  "toolkit_slug": "klarna",
  "framework": "ChatGPT",
  "framework_slug": "chatgpt",
  "url": "https://composio.dev/toolkits/klarna/framework/chatgpt",
  "markdown_url": "https://composio.dev/toolkits/klarna/framework/chatgpt.md",
  "updated_at": "2026-11-12T05:33:26.884Z"
}
```

## Introduction

### How to connect Klarna MCP with ChatGPT
[ChatGPT](https://chatgpt.com/) can take action across your apps and files, stay with a project for hours, and turn a goal into finished materials like sheets, slides, and docs, not just answers.
In this guide, I will explain the easiest and most secure way to connect your Klarna account to ChatGPT via Composio Connect, so it can create payment sessions, manage orders, retrieve settlements, and issue customer tokens through natural language commands without ever putting your account credentials at risk.

## Also integrate Klarna with

- [Claude Cowork](https://composio.dev/toolkits/klarna/framework/claude-cowork)
- [Hermes](https://composio.dev/toolkits/klarna/framework/hermes-agent)
- [Atomic Agent](https://composio.dev/toolkits/klarna/framework/atomic-agent)

## TL;DR

### Why use Composio over default connectors?
- Apps with read and write access. Default connectors mostly can read your data. Composio's Klarna integration lets ChatGPT take actions like creating drafts, sending updates, labeling records, and more.
- 1,700+ SaaS toolkits out of the box. Composio gives you instant access to a vast catalog of pre-built connectors, from Gmail and Slack to Notion, Linear, and Salesforce.
- One MCP server for every app. Connect any of your applications on demand through a single endpoint, rather than juggling a separate server for each app.
- Smart, context-aware tool loading. Unlike traditional MCP servers that dump every available tool into the LLM context window, Composio searches for and loads only the tools relevant to the task at hand.
- Cross-app automation. Chain actions across multiple apps in a single run - fetch a thread, summarize it in Notion, and post highlights to Slack without leaving the conversation.

## Connect Klarna to ChatGPT

### Prerequisites
- A ChatGPT account. We will use the [ChatGPT desktop app](https://openai.com/chatgpt/download/), and the steps are the same on the web.
- Access to the Klarna workspace you want to connect.
- [Composio plugin](https://dashboard.composio.dev/login?cta_placement=toolkit-framework-chatgpt-composio-connect&next=%2F~%2Forg%2Fconnect%2Fclients%2Fchatgpt).
Note: Composio connects through OAuth. You will be asked to sign in and approve specific permissions. Review the permission screen carefully if you are using a work account.
### Step-by-step: Connect Klarna to ChatGPT
### 1. Install the Composio plugin
Click the button. ChatGPT opens the Composio plugin page. Click Install plugin.
[Install in ChatGPT](https://chatgpt.com/plugins/plugin_asdk_app_6a58503580c08191b78cc5bdaf4eba6e)
You can also find it inside ChatGPT: go to Settings, open Plugins, search the marketplace for Composio, and click Install plugin.
### 2. Authenticate
After you install, ChatGPT asks you to authenticate with Composio. Log in and click Allow access to authorize ChatGPT to use your Composio account.
### 3. Start using Composio
That is it. Composio tools are now available in ChatGPT. Type @Composio followed by your request, for example @Composio find unread Klarna messages and summarize them, and it will run the actions you authorize. On first use it asks you to authorize Klarna.
### Option 2: Add Composio as an MCP server
If you cannot use the plugin marketplace, add Composio as a custom MCP server instead.
### 1. Open the MCP settings
In ChatGPT, go to Settings and open the Plugins section. Inside the Plugins page, click the MCP tab.
### 2. Add the server
Click Add server. In the Name field enter Composio, for Type select Streamable HTTP, and in the URL field paste the Composio MCP server URL:

```bash
https://connect.composio.dev/mcp
```

## What is the Klarna MCP server, and what's possible with it?

The Klarna MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your Klarna account. It provides structured and secure access to Klarna payments, checkout, orders, disputes, and payout data, so your agent can create payment sessions, manage orders, update shipping details, handle disputes, and retrieve payout reports on your behalf.
- Payment and order management: Have your agent create payment sessions, acknowledge orders, capture payments, cancel eligible orders, or retrieve current order and payment details.
- Checkout and hosted payment pages: Let the agent create and retrieve checkout sessions, create hosted payment page sessions, distribute payment links, or disable unfinished sessions.
- Fulfillment updates: Direct your agent to add carrier and tracking details to orders or captures, extend authorization periods, and adjust eligible capture due dates.
- Dispute handling: Instruct your agent to retrieve dispute details, download supporting attachments, accept a dispute loss, or enroll a merchant or partner account for dispute handling.
- Payout reporting: Have your agent retrieve payout details and summaries, or download payout reports in PDF and CSV formats for selected date ranges.

## Supported Tools

| Tool slug | Name | Description |
|---|---|---|
| `KLARNA_ABORT_CHECKOUT_ORDER` | Abort Checkout Order | Irreversibly abort an incomplete legacy Klarna Checkout order. |
| `KLARNA_ACCEPT_DISPUTE_LOSS` | Accept Dispute Loss | Irreversibly request acceptance of the financial loss for a Klarna dispute. HTTP 202 means Klarna accepted the request for processing; use GET_DISPUTE to verify that the dispute closed and the chargeback was activated. |
| `KLARNA_ACKNOWLEDGE_ORDER` | Acknowledge Order | Acknowledge receipt of a Klarna order so order processing can continue. |
| `KLARNA_ADD_CAPTURE_SHIPPING_INFO` | Add Capture Shipping Info | Append shipping carrier and tracking information to a Klarna capture. |
| `KLARNA_ADD_ORDER_SHIPPING_INFO` | Add Order Shipping Info | Append shipping carrier and tracking information to a Klarna order. |
| `KLARNA_CANCEL_AUTHORIZATION` | Cancel Authorization | Irreversibly cancel a Klarna payment authorization before an order is created from it. |
| `KLARNA_CANCEL_ORDER` | Cancel Order | Irreversibly cancel an uncaptured Klarna order that is not closed. Cancellation cannot be undone. |
| `KLARNA_CAPTURE_ORDER` | Capture Order | Irreversibly capture all or part of an authorized Klarna order and return the created capture ID. |
| `KLARNA_CREATE_CARD_PROMISE` | Create Card Promise | Create a Klarna card promise for an order. This Merchant Card Service operation requires Virtual Card Number (VCN) entitlement. Creating a new promise irreversibly invalidates the previous promise for the same order. |
| `KLARNA_CREATE_CARD_SETTLEMENT` | Create Card Settlement | Create a Klarna settlement for a completed order and issue its encrypted virtual cards. This Merchant Card Service operation requires Virtual Card Number (VCN) entitlement and commits a new settlement, an irreversible effect. |
| `KLARNA_CREATE_CHECKOUT_ORDER` | Create Checkout Order | Create a legacy Klarna Checkout V3 order and return its checkout details. |
| `KLARNA_CREATE_CUSTOMER_TOKEN_FROM_AUTHORIZATION` | Create Customer Token From Authorization | Create a reusable Klarna customer token from a payment authorization token for subscription purchases. |
| `KLARNA_CREATE_HPP_SESSION` | Create HPP Session | Create a Hosted Payment Page session from an existing Klarna Payments session or Checkout order URL. The returned distribution-module token is sensitive and must not be logged or persisted. |
| `KLARNA_CREATE_ORDER_FROM_AUTHORIZATION` | Create Order From Authorization | Create a Klarna order from a customer authorization token. When order.auto_capture is true, Klarna also captures payment automatically. |
| `KLARNA_CREATE_ORDER_FROM_CUSTOMER_TOKEN` | Create Order From Customer Token | Create a Klarna order using a reusable customer token. Setting auto_capture to true captures the payment automatically. |
| `KLARNA_CREATE_PAYMENT_SESSION` | Create Payment Session | Create a Klarna Payments session and return its session ID, sensitive client token, and available payment method categories. |
| `KLARNA_DISABLE_HPP_SESSION` | Disable HPP Session | Irreversibly disable a Klarna Hosted Payment Page session that has not completed. |
| `KLARNA_DISTRIBUTE_HPP_SESSION` | Distribute HPP Session | Distribute a Klarna Hosted Payment Page link by email, SMS, or a documented token access ID. Warning: choosing email or SMS immediately sends a message to the specified external recipient; confirm the destination before calling. |
| `KLARNA_DOWNLOAD_DISPUTE_ATTACHMENT` | Download Dispute Attachment | Download a merchant or customer evidence attachment from a Klarna payment dispute as a bounded file reference. |
| `KLARNA_DOWNLOAD_PAYOUT_PDF` | Download Payout PDF | Download the PDF settlement report for one payout. |
| `KLARNA_DOWNLOAD_PAYOUTS_SUMMARY_PDF` | Download Payouts Summary PDF | Download a PDF payout summary for a payout date-time range. |
| `KLARNA_DOWNLOAD_PAYOUTS_SUMMARY_TRANSACTIONS_CSV` | Download Payouts Summary Transactions CSV | Download a CSV summary of Klarna payouts and transactions for an inclusive payout date-time range. |
| `KLARNA_DOWNLOAD_PAYOUT_TRANSACTIONS_CSV` | Download Payout Transactions CSV | Download a CSV report containing one payout and its transactions. |
| `KLARNA_ENROLL_DISPUTE_MERCHANT` | Enroll Dispute Merchant | Irreversibly activate Disputes v3 handling for one direct Klarna merchant account. This account onboarding cannot be undone through the API. Partners cannot use this operation to enroll individual merchants; HTTP 204 also means the merchant was already enrolled. |
| `KLARNA_ENROLL_DISPUTE_PARTNER` | Enroll Dispute Partner | Irreversibly activate Disputes v3 handling for one Klarna partner account. This account onboarding cannot be undone through the API. partner_id identifies the partner account and client_id supplies the merchant OAuth2 client ID in the request body. Merchants cannot use this operation to enroll a partner; HTTP 204 also means the partner was already enrolled. |
| `KLARNA_EXTEND_CAPTURE_DUE_DATE` | Extend Capture Due Date | First call KLARNA_LIST_CAPTURE_DUE_DATE_OPTIONS for this order and capture, then extend the payment due date using one returned option. Fetch the options before this action because some extensions can cost money. |
| `KLARNA_EXTEND_ORDER_AUTHORIZATION_TIME` | Extend Order Authorization Time | Extend the authorization validity period for an order that is still AUTHORIZED and delayed unexpectedly. Call this before capture or release changes the order state; Klarna does not allow extension after the order expires or is cancelled. For routinely long fulfillment periods, arrange extended authorization during merchant onboarding instead. |
| `KLARNA_GET_CAPTURE` | Get Capture | Return one Klarna capture by order ID and capture ID. |
| `KLARNA_GET_CARD_PROMISE` | Get Card Promise | Retrieve a Klarna card promise and its card specifications. This Merchant Card Service operation requires Virtual Card Number (VCN) entitlement. |
| `KLARNA_GET_CARD_SETTLEMENT` | Get Card Settlement | Retrieve a Klarna card settlement by settlement ID or by its associated order ID. Select the identifier with lookup_by and provide only its corresponding field. This Merchant Card Service operation requires Virtual Card Number (VCN) entitlement and returns encrypted card material that must be handled securely. |
| `KLARNA_GET_CHECKOUT_ORDER` | Get Checkout Order | Return a legacy Klarna Checkout order by order ID. |
| `KLARNA_GET_CUSTOMER_TOKEN` | Get Customer Token | Return a reusable Klarna customer token and its current status. |
| `KLARNA_GET_DISPUTE` | Get Dispute | Return a fully detailed Klarna Disputes v3 record, including associated merchant and customer evidence. The response preserves provider-added fields and accepts all current or future state values. |
| `KLARNA_GET_HPP_SESSION` | Get HPP Session | Return the current details and distribution state of a Klarna Hosted Payment Page session. |
| `KLARNA_GET_ORDER` | Get Order | Return a Klarna order and its current authorization, capture, refund, shipping, and customer details. |
| `KLARNA_GET_PAYMENT_SESSION` | Get Payment Session | Return the current details of a Klarna Payments session by session ID. The response may contain sensitive client or authorization tokens; do not log or persist them. |
| `KLARNA_GET_PAYOUT` | Get Payout | Return one Klarna payout by payment reference. |
| `KLARNA_GET_PAYOUT_SUMMARY` | Get Payout Summary | Return Klarna payout totals grouped by currency for an inclusive payout date-time range. |
| `KLARNA_GET_REFUND` | Get Refund | Return one Klarna refund by order ID and refund ID. |
| `KLARNA_GET_VCC_ORDER_CANCELLATION` | Get VCC Order Cancellation | Retrieve the asynchronous cancellation status for a Klarna order with a Virtual Credit Card settlement. This operation requires Virtual Card Number (VCN) entitlement and does not itself change the order. |
| `KLARNA_LIST_CAPTURE_DUE_DATE_OPTIONS` | List Capture Due Date Options | List the due-date extension options available for a Klarna capture. |
| `KLARNA_LIST_DISPUTES` | List Disputes | Return one page of Klarna Disputes v3 records using all documented filters. Repeated-array and CSV query serialization follow the provider contract; use next_cursor to request one additional page. |
| `KLARNA_LIST_ORDER_CAPTURES` | List Order Captures | Return all captures recorded for a Klarna order. |
| `KLARNA_LIST_PAYOUTS` | List Payouts | Return one offset-controlled page of Klarna payouts, optionally filtered by payout date range and currency. |
| `KLARNA_LIST_SETTLEMENT_TRANSACTIONS` | List Settlement Transactions | Return one offset-controlled page of Klarna settlement transactions, optionally filtered by payout reference or order ID. |
| `KLARNA_REFUND_ORDER` | Refund Order | Irreversibly create a full or partial Klarna refund and return the created refund ID. |
| `KLARNA_RELEASE_REMAINING_AUTHORIZATION` | Release Remaining Authorization | Irreversibly release the uncaptured authorization remaining on a Klarna order. Use only when no further capture is needed; this does not refund captured funds. This may also normalize the order total: in live testing, a partial capture followed by release reduced order_amount to captured_amount. |
| `KLARNA_REQUEST_CUSTOMER_TOKEN_CANCELLATION` | Request Customer Token Cancellation | Request asynchronous cancellation of a reusable Klarna customer token by changing its status to CANCELLED. Once Klarna processes the request, the token can no longer be used for new orders; HTTP 202 confirms acceptance, not that the state change has completed. |
| `KLARNA_REQUEST_VCC_ORDER_CANCELLATION` | Request VCC Order Cancellation | Irreversibly request cancellation of a Klarna order associated with a Virtual Credit Card settlement. This operation requires Virtual Card Number (VCN) entitlement. It mutates the order: an existing cancellation returns CANCELLED, while a new request is queued asynchronously and returns PENDING. |
| `KLARNA_RESEND_CAPTURE_CUSTOMER_COMMUNICATION` | Resend Capture Customer Communication | Irreversibly resend Klarna customer communication for a capture. Calling this action has an operational side effect: Klarna sends a communication to the customer. |
| `KLARNA_RESPOND_TO_DISPUTE` | Respond to Dispute | Submit reason-specific merchant evidence for a Klarna dispute request. |
| `KLARNA_UPDATE_CHECKOUT_ORDER` | Update Checkout Order | Update a legacy Klarna Checkout order and return the resulting order. |
| `KLARNA_UPDATE_ORDER_AUTHORIZATION` | Update Order Authorization | Update the authorized amount and order lines on an existing order. |
| `KLARNA_UPDATE_ORDER_CUSTOMER_DETAILS` | Update Order Customer Details | Update the permitted customer address details on an existing order. |
| `KLARNA_UPDATE_ORDER_MERCHANT_REFERENCES` | Update Order Merchant References | Update the merchant reference values stored on a Klarna order. |
| `KLARNA_UPDATE_PAYMENT_SESSION` | Update Payment Session | Update mutable data on an existing Klarna Payments session, including order amounts and lines, customer and billing or shipping addresses, merchant references and URLs, purchase locale and currency, payment options, and session intent. Klarna returns no session data after a successful update. |
| `KLARNA_UPLOAD_DISPUTE_ATTACHMENT` | Upload Dispute Attachment | Upload one merchant evidence attachment to a Klarna payment dispute. Klarna limits attachments to 7 MB. |
| `KLARNA_UPLOAD_DISPUTE_ATTACHMENTS` | Upload Dispute Attachments | Upload 1-10 merchant evidence attachments to one Klarna payment dispute, sequentially in input order. Each successful upload creates a separate attachment resource. The batch is not atomic: if a later upload fails, attachments uploaded earlier remain created. |

## Supported Triggers

None listed.

## Creating MCP Server - Stand-alone vs Composio SDK

Once connected, ChatGPT can access the Klarna MCP server via Composio to run actions that you authorize, directly in your workspace.

## Complete Code

None listed.

## How to build Klarna MCP Agent with another framework

- [Claude Cowork](https://composio.dev/toolkits/klarna/framework/claude-cowork)
- [Hermes](https://composio.dev/toolkits/klarna/framework/hermes-agent)
- [Atomic Agent](https://composio.dev/toolkits/klarna/framework/atomic-agent)

## Related Toolkits

- [Addresszen](https://composio.dev/toolkits/addresszen) - Addresszen is a real-time address autocomplete and verification service. It helps capture accurate, deliverable addresses with instant suggestions and validation.
- [Amazon](https://composio.dev/toolkits/amazon) - Amazon is a global e-commerce marketplace for products, sellers, and digital services. Its broad selection and reliable fulfillment help businesses reach customers worldwide.
- [Asin data api](https://composio.dev/toolkits/asin_data_api) - Asin data api gives you detailed, real-time product data from Amazon, including price, rank, and reviews. Perfect for e-commerce pros and data-driven marketers who need instant marketplace insights.
- [Baselinker](https://composio.dev/toolkits/baselinker) - BaseLinker is an all-in-one e-commerce management platform connecting stores, marketplaces, carriers, and more. It streamlines order processing, inventory control, and automates your sales operations.
- [Bestbuy](https://composio.dev/toolkits/bestbuy) - Best Buy is a leading retailer offering APIs for product, store, and recommendation data. Instantly access up-to-date retail insights for smarter shopping and decision-making.
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## Frequently Asked Questions

### What are the differences in Tool Router MCP and Klarna MCP?

With a standalone Klarna MCP server, the agents and LLMs can only access a fixed set of Klarna tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from Klarna and many other apps based on the task at hand, all through a single MCP endpoint.

### Can I use Tool Router MCP with ChatGPT?

Yes, you can. ChatGPT fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right Klarna tools.

### Can I manage the permissions and scopes for Klarna while using Tool Router?

Yes, absolutely. You can configure which Klarna scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do.

### How safe is my data with Composio Tool Router?

All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your Klarna data and credentials are handled as safely as possible.

---
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