kixin_aaa

[novel mason]

hello! what's your question?

[humble osprey]

The problem is that I can't confirm the buyer's region, I only know the buyer's currency

https://stripe.com/docs/payments/klarna this: Depending on your location, you can accept Klarna payments from customers in the listed countries, provided the presentment currency matches the currency of the customer’s country

We are a platform merchant and use connect to manage our sub-accounts

[novel mason]

alright, but if you're using Automatic Payment Methods : https://stripe.com/docs/payments/payment-methods/integration-options#using-dynamic-payment-methods, you don't have to confirm the buyer's region

this page is probably more useful if you're using Connect : https://stripe.com/docs/connect/dynamic-payment-methods

[humble osprey]

I don't use this Automatic Payment Method , I use api to create it.

[novel mason]

is there a reason why you don't want to use Automatic Payment Methods?

[humble osprey]

All of our payments are made by creating payment intents through the api.

[novel mason]

PaymentIntents support Automatic Payment Methods : https://stripe.com/docs/api/payment_intents/create#create_payment_intent-automatic_payment_methods-enabled

[humble osprey]

Can you help me switch to Chinese support?

My question at the moment is, is the buyer's payment currency the same as the seller's registration area in order to use klarna?

[novel mason]

We can only provide support in English here on this channel.

You can reach out to Stripe Support - https://support.stripe.com/contact and they should be able to put you in touch with our Support team that is able to communicate in Chinese.

[humble osprey]

Depending on your location, you can accept Klarna payments from customers in the listed countries, provided the presentment currency matches the currency of the customer’s country. However, there are exceptions to this rule:

[novel mason]

is your Stripe account based in US or EU or...?

[humble osprey]

the currency of the customer’s country, Does customer's refer to the seller, the area where stripe is registered?

[humble osprey]

ca and hk

[novel mason]

Klarna is not supported in HK. As a CA Stripe account, you can only accept Klarna payments in CAD i.e. the currency you define in the PaymentIntent

[humble osprey]

We have a lot of sub-accounts, mostly from the US, Canada, Hong Kong.

[humble osprey]

Yes

[novel mason]

similarly, for US Stripe accounts, you can only accept Klarna payments in USD

[humble osprey]

As a CA Stripe account , You mean, the account is registered in ca?

[novel mason]

when the Stripe account is created, a country was selected - https://stripe.com/docs/api/accounts/object#account_object-country

[humble osprey]

And by selecting a country, you mean the area of the account above, right?

[novel mason]

what do you mean by area?

[humble osprey]

The account’s country.

Does it have anything to do with the currency of the merchant's external bank account?

[novel mason]

I'm not too sure I understand the question correctly, but the Stripe's account country : https://stripe.com/docs/api/accounts/object#account_object-country determines what's the currency you need to accept Klarna payments in. if you're a CA Stripe account, you can only accept Klarna payments in CAD; for US Stripe accounts, you can only accept Klarna payments in USD. As our docs also mention :

For non-EEA markets, you can’t offer a currency outside of your borders. For example, a US business can’t present EUR to accept Klarna from a DE buyer.

The account’s country. Does it have anything to do with the currency of the merchant's external bank account?

yes, the account's country determines the default currency that funds are paid out in

[humble osprey]

Only relevant if Stripe's account country matches the buyer's payment currency

That's how I understand it.

[novel mason]

i think you're overcomplicating matters, the easiest way to go about it is to use Automatic Payment Methods and then let Stripe automatically determine what payment methods to present to the end customer

[humble osprey]

Because we need to choose the payment channel, we need to show the buyer all the supported payment methods, maybe we are not suitable for automatic payment by stripe to choose

[novel mason]

do you mean you have multiple payment processors?

Or are you only using Stripe?

[humble osprey]

Not only do you use stripe

[novel mason]

i'm sorry but i don't understand Not only do you use stripe

[humble osprey]

Not only stripe

[novel mason]

ah okay

well anyway, as mentioned, the Stripe's account country : https://stripe.com/docs/api/accounts/object#account_object-country determines what's the currency you need to accept Klarna payments in.

If you're unsure, you can always try to create a PaymentIntent with the relevant currency. If the currency isn't supported for Klarna for that Stripe account, it'll throw an error

[humble osprey]

I'm a golang developer for a Chinese company, I use deepl to translate my language to communicate with you, so it doesn't always flow well, hope you understand!

[humble osprey]

Yes, I've understood what you're saying, I've tested several regions and payment currencies.

[humble osprey]

Supported customer countries does it mean stripe’s account country?

[novel mason]

that's the customer i.e. the person who is making payment

for Stripe account country, you'll want to look at the tab that says Merchant country availability

[humble osprey]

provided the presentation currency matches the currency of the customer’s country. It only says that the buyer’s currency matches the buyer’s country. It does not say that the buyer’s currency matches the default currency of the merchant’s account country.

To accept Klarna payments, does the currency of payment need to be consistent with the account country of the receiving merchant? It is not pointed out in the doc.

[novel mason]

it's somewhat alluded to in the highlighted section

[humble osprey]

The customer's payment currency needs to be consistent with the merchant's stripe account country before klarna can be used to pay. Can I understand this?

[novel mason]

yes, that's correct

[humble osprey]

Thanks