Online bank claims (kröfur)

An online bank claim (krafa, plural kröfur) is a bill that appears in the customer's online bank in Iceland. They pay it like any other bill, without a card. Claims suit invoices between companies, memberships, course fees and customers who prefer to pay through their bank. They are in Icelandic krónur only.

Without code

Open Rukkun í heimabanka in the dashboard, enter the customer's kennitala, the amount and the due date, and send. The claim appears in the customer's online bank, and Claims in the dashboard shows when it has been paid.

At checkout

Let the customer choose to pay by claim in a checkout session by setting "payment_method_type": "bank_claim". The customer enters their kennitala at checkout instead of a card, and the session completes with payment_status: "awaiting_claim". When the customer pays in their bank, the payment becomes captured and the payment_intent.captured webhook fires. Ship the order then, not before.

For subscriptions, "collection_method": "bank_claim" sends a claim each period instead of charging a card. See Subscriptions.

With the API

POST /v1/claims:

curl -X POST https://api.kling.is/v1/claims \
  -H "Authorization: Bearer $KLING_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "payor_kennitala": "0101302989",
    "amount": 15000,
    "due_date": 1767225600,
    "final_due_date": 1768435200
  }'

• payor_kennitala: the payer's 10-digit kennitala, no hyphen.
• amount: whole krónur.
• due_date and final_due_date: Unix timestamps.
• Optional: customer, items (lines shown on the bill; their total must equal amount) and discount_amount.

A claim's status is pending, unpaid, paid, partially_paid, cancelled or secondary_collection. List claims with GET /v1/claims (filter by status, paginate with limit and offset), read one with GET /v1/claims/{id} and cancel with POST /v1/claims/{id}/cancel. The claim.created and claim.paid webhooks tell your server what happened.

Setting it up

Claims don't go through a card acquirer. You sign the claims agreement as part of the go-live application, so claims can be switched on before card payments. Once the application is approved, the dashboard walks you through two last steps: setting up bank claims and adding a payment card for Kling's per-claim fee. See Test mode to going live.

Pricing

0,8% per paid claim, at least 25 kr. and at most 250 kr., plus the bank's own cost. See pricing.