Ensure compliance with Klarna Network Rules and regulations by leveraging the Onboarding API for seamless monitoring and risk management.
Klarna monitors Partners to detect and mitigate non-compliance with applicable laws and Klarna Network rules. In the scenario where Klarna’s risk infrastructure flags a Partner, the Acquiring Partner can receive notifications about the compliance decision regarding the Partner account through the Decision endpoint. This information can also be retrieved via Klarna webhooks.
In cases where a compliance decision leads to an account lifecycle status change, the Account lifecycle webhook will contain the compliance decision ID, which references the reason for the status change.
The following compliance decision types are currently supported:
| Decision | Use case |
|---|---|
FRAUDULENT_BEHAVIOUR | The Partner is identified as fraudulent due to misrepresentation of their identity and/or the products they sell. This may include, but is not limited to, issues such as unfulfilled payments, counterfeit goods, account takeovers, self-lending, identity theft, and phishing scams. |
NON_COMPLIANT | The Partner is not compliant with the Partner Responsibilities outlined in section 15.4 of the Klarna Network rules. |
PROHIBITED_OR_RESTRICTED_SEGMENT | The Partner operates as a prohibited or restricted business, as outlined in section 15.11 of the Klarna Network rules. |
OTHER_RISK | A generic value that allows support and coverage for any new decisions introduced in future releases. |
Additional enums will be added in future releases.
Decisions can be queried on demand to retrieve all decisions or details about a specific one. Each decision object includes a unique decision ID, decision type, account ID, applicable product instance ID, and timestamp:
{
"decision_id": "string",
"decision_type": "NON_COMPLIANT",
"account_id": "string",
"product_instance_id": "string",
"created_at": "2019-08-24T14:15:22Z"
}
Webhook notification
To stay informed in real time, you can configure a webhook to receive notifications whenever a new decision is made. The webhook notification includes a decision id, a unique identifier for the decision, and a decision type, which indicates the type of decision made based on predefined options, which are listed above. Acquiring Partners can subscribe to the following event:
| Event name | When |
|---|---|
partner.compliance.decision.created | To track the outcome of a compliance decision related to Partner onboarding. |