# Klarna Debit Risk

[Klarna Debit Risk](https://www.checkout.com/payment-methods/klarna) is a pay-by-bank payment method that Klarna offers for restricted segments. This specialized product enables high-risk segments to accept Klarna's customer base with a bank-transfer solution.

To check if you're eligible for Klarna Debit Risk, contact your account manager or [request support](https://dashboard.checkout.com/support/new?topic=case_account_management_and_access&issue=issue_account_changes).

With Klarna Debit Risk, the customers skip Klarna's payment selection screen and proceed directly with Pay by Bank.

> **Information**
>
> To enable Klarna payments on your account, contact your account manager or [request support](https://dashboard.checkout.com/support/new?topic=case_account_management_and_access&issue=issue_account_changes).

|  |  |
| --- | --- |
| Model | Collecting |
| Payment flow | Direct |
| Auto capture | ✓ |
| Manual capture | ✗ |
| Refund | ✓ Full and partial refund |
| Void | ✗ |
| Disputes | ✗ |

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## Supported regions and currencies

### Merchant regions

- Austria
- Belgium
- Finland
- Germany
- Netherlands
- Spain
- Sweden

### Processing currencies

- `EUR` – Euro
- `SEK` - Swedish krona

---

## Webhooks

You can manage your webhooks using the [API](https://www.checkout.com/docs/developer-resources/event-notifications/receive-webhooks/manage-webhooks-using-the-api.md), or the [Dashboard](https://www.checkout.com/docs/developer-resources/event-notifications/receive-webhooks/manage-webhooks-in-the-dashboard.md).

When integrating Klarna Debit Risk, you can subscribe to the following webhooks:

| Webhook | Description |
| --- | --- |
| `payment_context_approved` | Occurs when the payment is approved by the partner. |
| `payment_pending` | Occurs when the payment request is successfully initiated. |
| `payment_captured_pending` | Occurs when the capture request is successfully sent to the partner. |
| `payment_captured` | Occurs when the payment is successfully captured. |
| `payment_capture_declined` | Occurs when the capture request is rejected. |
| `payment_refunded` | Occurs when the payment is fully or partially refunded. |
| `payment_refund_declined` | Occurs when the refund fails. |

---

## Available for

- [Payment Setup API](https://www.checkout.com/docs/payments/add-payment-methods/klarna-debit-risk/payment-setup-api.md): Build your own UI and integrate with our Payment Setup API to process Klarna Debit Risk payments.
- [Unified Payments API](https://www.checkout.com/docs/payments/add-payment-methods/klarna-debit-risk/unified-payments-api.md): Build your own UI and integrate with our API to process Klarna Debit Risk payments.