{"title":"Klarna Debit Risk for API only","category":"default","creationDate":1776961628,"content":"<p>You can add Klarna Debit Risk to your existing integration. The following instructions show only what you must add to your integration specifically for Klarna Debit Risk.<\/p>\n<p>If an instruction on this page corresponds with a step in the main integration guide, it includes a link to corresponding step of the main integration guide.<\/p>\n<h2>Requirements<\/h2>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Requirement<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Integration type<\/strong><\/td>\n<td style=\"text-align: left;\">Make sure that you have an existing <a href=\"\/pt\/online-payments\/build-your-integration\/advanced-flow\/?platform=Web&amp;integration=API%20only\">API-only integration<\/a>.<\/td>\n<td> <\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Redirect handling<\/strong><\/td>\n<td style=\"text-align: left;\">Make sure that your existing integration is set up to <a href=\"\/pt\/online-payments\/build-your-integration\/advanced-flow\/?platform=Web&amp;integration=API%20only#handle-the-redirect\">handle the redirect<\/a>. <br>  <code>action.type<\/code>: <span translate=\"no\"><strong>redirect<\/strong><\/span>.<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Setup steps<\/strong><\/td>\n<td style=\"text-align: left;\"> Before you begin, <a href=\"\/pt\/payment-methods\/add-payment-methods\">add Klarna Debit Risk in your Customer Area<\/a>. <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>How it works<\/h2>\n<ol>\n<li>The shopper selects Klarna Debit Risk as the payment method.<\/li>\n<li>The shopper enters their details in the <a href=\"#build-your-payment-form\">payment form that you build<\/a>. (No details are required for this payment method.)<\/li>\n<li>When you make the payment request, you <a href=\"#additional-parameters-payments\">include additional information about the shopper<\/a>.<\/li>\n<li>Your existing integration setup will <a href=\"\/pt\/online-payments\/build-your-integration\/advanced-flow\/?platform=Web&amp;integration=API%20only#handle-the-redirect\">handle the redirect<\/a>.<\/li>\n<\/ol>\n<h2 id=\"build-your-payment-form\">Build your payment form<\/h2>\n<p>Include  Klarna Debit Risk in the list of available payment methods. There are no additional fields that you have to include in your form. However, make sure to pass the correct <a href=\"#available-payment-methods\">country code<\/a> of the shopper.<\/p>\n<div class=\"notices green\">\n<p>You can <a href=\"\/pt\/online-payments\/build-your-integration\/advanced-flow\/?platform=Web&amp;integration=API%2Bonly&amp;version=71#downloading-logos\">download the logo for Klarna Debit Risk<\/a> to use in your form.<\/p>\n<\/div>\n<h2 id=\"available-payment-methods\">Get Klarna Debit Risk as an available payment method<\/h2>\n<p>When you make the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/paymentMethods\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/paymentMethods<\/a> to <a href=\"\/pt\/online-payments\/build-your-integration\/advanced-flow\/?platform=Web&amp;integration=API%20only#get-available-payment-methods\">get available payment methods<\/a>, specify the following so that Klarna Debit Risk is included in the response.<\/p>\n<table>\n<thead>\n<tr>\n<th>Parameter<\/th>\n<th>Values<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/paymentMethods#request-countryCode\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">countryCode<\/a><\/td>\n<td><span translate=\"no\"><strong>AT<\/strong>, <strong>BE<\/strong>, <strong>DE<\/strong>, <strong>NL<\/strong>, <strong>ES<\/strong>, <strong>CH<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/paymentMethods#request-amount-currency\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">amount.currency<\/a><\/td>\n<td><span translate=\"no\"><strong>EUR<\/strong>, <strong>CHF<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Example request for available payment methods'\" :id=\"'payment-methods-request'\" :code-data=\"[{&quot;language&quot;:&quot;bash&quot;,&quot;tabTitle&quot;:&quot;curl&quot;,&quot;content&quot;:&quot;curl https:\\\/\\\/checkout-test.adyen.com\\\/v72\\\/paymentMethods \\\\\\n-H 'x-api-key: ADYEN_API_KEY' \\\\\\n-H 'idempotency-key: YOUR_IDEMPOTENCY_KEY' \\\\\\n-H 'content-type: application\\\/json' \\\\\\n-X POST\\n-d '{\\n   \\&quot;merchantAccount\\&quot;: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n   \\&quot;countryCode\\&quot;: \\&quot;DE\\&quot;,\\n   \\&quot;amount\\&quot;: {\\n      \\&quot;currency\\&quot;: \\&quot;EUR\\&quot;,\\n\\t  \\&quot;value\\&quot;: 1000\\n   },\\n   \\&quot;shopperLocale\\&quot;: \\&quot;de-DE\\&quot;\\n}'&quot;},{&quot;language&quot;:&quot;java&quot;,&quot;tabTitle&quot;:&quot;Java&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Java API Library v40.0.1\\nimport com.adyen.Client;\\nimport com.adyen.enums.Environment;\\nimport com.adyen.model.checkout.*;\\nimport java.time.OffsetDateTime;\\nimport java.util.*;\\nimport com.adyen.model.RequestOptions;\\nimport com.adyen.service.checkout.*;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nClient client = new Client(\\&quot;ADYEN_API_KEY\\&quot;, Environment.TEST);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount()\\n  .currency(\\&quot;EUR\\&quot;)\\n  .value(1000L);\\n\\nPaymentMethodsRequest paymentMethodsRequest = new PaymentMethodsRequest()\\n  .amount(amount)\\n  .merchantAccount(\\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;)\\n  .countryCode(\\&quot;DE\\&quot;)\\n  .shopperLocale(\\&quot;de-DE\\&quot;);\\n\\n\\\/\\\/ Send the request\\nPaymentsApi service = new PaymentsApi(client);\\nPaymentMethodsResponse response = service.paymentMethods(paymentMethodsRequest, new RequestOptions().idempotencyKey(\\&quot;UUID\\&quot;));&quot;},{&quot;language&quot;:&quot;php&quot;,&quot;tabTitle&quot;:&quot;PHP&quot;,&quot;content&quot;:&quot;&lt;?php\\n\\\/\\\/ Adyen PHP API Library v28.3.0\\nuse Adyen\\\\Client;\\nuse Adyen\\\\Environment;\\nuse Adyen\\\\Model\\\\Checkout\\\\Amount;\\nuse Adyen\\\\Model\\\\Checkout\\\\PaymentMethodsRequest;\\nuse Adyen\\\\Service\\\\Checkout\\\\PaymentsApi;\\n\\n$client = new Client();\\n$client-&gt;setXApiKey(\\&quot;ADYEN_API_KEY\\&quot;);\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\n$client-&gt;setEnvironment(Environment::TEST);\\n\\n\\n\\\/\\\/ Create the request object(s)\\n$amount = new Amount();\\n$amount\\n  -&gt;setCurrency(\\&quot;EUR\\&quot;)\\n  -&gt;setValue(1000);\\n\\n$paymentMethodsRequest = new PaymentMethodsRequest();\\n$paymentMethodsRequest\\n  -&gt;setAmount($amount)\\n  -&gt;setMerchantAccount(\\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;)\\n  -&gt;setCountryCode(\\&quot;DE\\&quot;)\\n  -&gt;setShopperLocale(\\&quot;de-DE\\&quot;);\\n\\n$requestOptions['idempotencyKey'] = 'UUID';\\n\\n\\\/\\\/ Send the request\\n$service = new PaymentsApi($client);\\n$response = $service-&gt;paymentMethods($paymentMethodsRequest, $requestOptions);&quot;},{&quot;language&quot;:&quot;cs&quot;,&quot;tabTitle&quot;:&quot;C#&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen .NET API Library v32.2.1\\nusing Adyen;\\nusing Environment = Adyen.Model.Environment;\\nusing Adyen.Model;\\nusing Adyen.Model.Checkout;\\nusing Adyen.Service.Checkout;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nvar config = new Config()\\n{\\n    XApiKey = \\&quot;ADYEN_API_KEY\\&quot;,\\n    Environment = Environment.Test\\n};\\nvar client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount\\n{\\n  Currency = \\&quot;EUR\\&quot;,\\n  Value = 1000\\n};\\n\\nPaymentMethodsRequest paymentMethodsRequest = new PaymentMethodsRequest\\n{\\n  Amount = amount,\\n  MerchantAccount = \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  CountryCode = \\&quot;DE\\&quot;,\\n  ShopperLocale = \\&quot;de-DE\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nvar service = new PaymentsService(client);\\nvar response = service.PaymentMethods(paymentMethodsRequest, requestOptions: new RequestOptions { IdempotencyKey = \\&quot;UUID\\&quot;});&quot;},{&quot;language&quot;:&quot;js&quot;,&quot;tabTitle&quot;:&quot;NodeJS (JavaScript)&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Node API Library v30.0.1\\nconst { Client, CheckoutAPI } = require('@adyen\\\/api-library');\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nconst config = new Config({\\n  apiKey: \\&quot;ADYEN_API_KEY\\&quot;,\\n  environment: EnvironmentEnum.TEST\\n});\\n\\nconst client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nconst paymentMethodsRequest = {\\n  merchantAccount: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  countryCode: \\&quot;DE\\&quot;,\\n  amount: {\\n    currency: \\&quot;EUR\\&quot;,\\n    value: 1000\\n  },\\n  shopperLocale: \\&quot;de-DE\\&quot;\\n}\\n\\n\\\/\\\/ Send the request\\nconst checkoutAPI = new CheckoutAPI(client);\\nconst response = checkoutAPI.PaymentsApi.paymentMethods(paymentMethodsRequest, { idempotencyKey: \\&quot;UUID\\&quot; });&quot;},{&quot;language&quot;:&quot;go&quot;,&quot;tabTitle&quot;:&quot;Go&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Go API Library v21.1.0\\nimport (\\n  \\&quot;context\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/common\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/adyen\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/checkout\\&quot;\\n)\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nclient := adyen.NewClient(&amp;common.Config{\\n  ApiKey:      \\&quot;ADYEN_API_KEY\\&quot;,\\n  Environment: common.TestEnv,\\n})\\n\\n\\\/\\\/ Create the request object(s)\\namount := checkout.Amount{\\n  Currency: \\&quot;EUR\\&quot;,\\n  Value: 1000,\\n}\\n\\npaymentMethodsRequest := checkout.PaymentMethodsRequest{\\n  Amount: &amp;amount,\\n  MerchantAccount: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  CountryCode: common.PtrString(\\&quot;DE\\&quot;),\\n  ShopperLocale: common.PtrString(\\&quot;de-DE\\&quot;),\\n}\\n\\n\\\/\\\/ Send the request\\nservice := client.Checkout()\\nreq := service.PaymentsApi.PaymentMethodsInput().IdempotencyKey(\\&quot;UUID\\&quot;).PaymentMethodsRequest(paymentMethodsRequest)\\nres, httpRes, err := service.PaymentsApi.PaymentMethods(context.Background(), req)&quot;},{&quot;language&quot;:&quot;py&quot;,&quot;tabTitle&quot;:&quot;Python&quot;,&quot;content&quot;:&quot;# Adyen Python API Library v14.0.0\\nimport Adyen\\n\\nadyen = Adyen.Adyen()\\nadyen.client.xapikey = \\&quot;ADYEN_API_KEY\\&quot;\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.client.platform = \\&quot;test\\&quot; # The environment to use library in.\\n\\n# Create the request object(s)\\njson_request = {\\n  \\&quot;merchantAccount\\&quot;: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  \\&quot;countryCode\\&quot;: \\&quot;DE\\&quot;,\\n  \\&quot;amount\\&quot;: {\\n    \\&quot;currency\\&quot;: \\&quot;EUR\\&quot;,\\n    \\&quot;value\\&quot;: 1000\\n  },\\n  \\&quot;shopperLocale\\&quot;: \\&quot;de-DE\\&quot;\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payment_methods(request=json_request, idempotency_key=\\&quot;UUID\\&quot;)&quot;},{&quot;language&quot;:&quot;rb&quot;,&quot;tabTitle&quot;:&quot;Ruby&quot;,&quot;content&quot;:&quot;# Adyen Ruby API Library v11.1.0\\nrequire \\&quot;adyen-ruby-api-library\\&quot;\\n\\nadyen = Adyen::Client.new\\nadyen.api_key = 'ADYEN_API_KEY'\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.env = :test # Set to \\&quot;live\\&quot; for live environment\\n\\n# Create the request object(s)\\nrequest_body = {\\n  :merchantAccount =&gt; 'ADYEN_MERCHANT_ACCOUNT',\\n  :countryCode =&gt; 'DE',\\n  :amount =&gt; {\\n    :currency =&gt; 'EUR',\\n    :value =&gt; 1000\\n  },\\n  :shopperLocale =&gt; 'de-DE'\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payment_methods(request_body, headers: { 'Idempotency-Key' =&gt; 'UUID' })&quot;},{&quot;language&quot;:&quot;ts&quot;,&quot;tabTitle&quot;:&quot;NodeJS (TypeScript)&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Node API Library v30.0.1\\nimport { Client, CheckoutAPI, Types } from \\&quot;@adyen\\\/api-library\\&quot;;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nconst config = new Config({\\n  apiKey: \\&quot;ADYEN_API_KEY\\&quot;,\\n  environment: EnvironmentEnum.TEST\\n});\\n\\nconst client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nconst amount: Types.checkout.Amount = {\\n  currency: \\&quot;EUR\\&quot;,\\n  value: 1000\\n};\\n\\nconst paymentMethodsRequest: Types.checkout.PaymentMethodsRequest = {\\n  amount: amount,\\n  merchantAccount: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  countryCode: \\&quot;DE\\&quot;,\\n  shopperLocale: \\&quot;de-DE\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nconst checkoutAPI = new CheckoutAPI(client);\\nconst response = checkoutAPI.PaymentsApi.paymentMethods(paymentMethodsRequest, { idempotencyKey: \\&quot;UUID\\&quot; });&quot;}]\" :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Example response with Klarna Debit Risk available'\" :id=\"'payment-methods-response'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n    \\\"paymentMethods\\\": [\\n        {\\n            \\\"{hint:In the Netherlands Klarna Debit Risk is called Online overschrijving}name{\\\/hint}\\\": \\\"Klarna Debit Risk\\\",\\n            \\\"type\\\": \\\"directEbanking\\\"\\n        }\\n    ]\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2 id=\"additional-parameters-payments\">Add additional parameters to your \/payments request<\/h2>\n<p>You do not need to add any additional parameters when you <a href=\"\/pt\/online-payments\/build-your-integration\/advanced-flow\/?platform=Web&amp;integration=API%20only#make-a-payment\">make a payment<\/a>, but make sure to include the following parameters:<\/p>\n<table>\n<thead>\n<tr>\n<th>Parameter<\/th>\n<th>Required<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>paymentMethod.type<\/code><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>Set to <strong>directEbanking<\/strong>.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-returnUrl\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">returnUrl<\/a><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>URL to where the shopper should be redirected back to after they complete the payment.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-countryCode\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">countryCode<\/a><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>The shopper's country\/region in a two-letter country code format. Include this in the request to make sure the shopper can proceed in the Klarna flow.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-shopperLocale\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">shopperLocale<\/a><\/td>\n<td><\/td>\n<td>The language that the Klarna Debit Risk page should be rendered in. The page can be the local language (for example, nl-NL for the Netherlands) or in en-US.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-shopperEmail\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">shopperEmail<\/a><\/td>\n<td><\/td>\n<td>The email of the shopper. If included, Klarna will pre-fill it if the shopper does not have a Klarna account yet and needs to create one.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-telephoneNumber\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">telephoneNumber<\/a><\/td>\n<td><\/td>\n<td>The phone number of the shopper. If included, Klarna will pre-fill it in the Klarna log-in screen.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The following example shows how to make a payment request for 10 EUR for a shopper in Germany, with the Klarna Debit Risk page rendered in German.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Example payment request for Klarna Debit Risk'\" :id=\"'payments-request'\" :code-data=\"[{&quot;language&quot;:&quot;bash&quot;,&quot;tabTitle&quot;:&quot;curl&quot;,&quot;content&quot;:&quot;curl https:\\\/\\\/checkout-test.adyen.com\\\/v72\\\/payments \\\\\\n-H 'x-API-key: ADYEN_API_KEY' \\\\\\n-H 'idempotency-key: YOUR_IDEMPOTENCY_KEY' \\\\\\n-H 'content-type: application\\\/json' \\\\\\n-X POST\\n-d '{\\n  \\&quot;amount\\&quot;:{\\n    \\&quot;currency\\&quot;:\\&quot;EUR\\&quot;,\\n    \\&quot;value\\&quot;:1000\\n  },\\n  \\&quot;paymentMethod\\&quot;:{\\n     \\&quot;type\\&quot;:\\&quot;directEbanking\\&quot;\\n   },\\n  \\&quot;reference\\&quot;:\\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  \\&quot;returnUrl\\&quot;:\\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n  \\&quot;merchantAccount\\&quot;:\\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  \\&quot;countryCode\\&quot;: \\&quot;DE\\&quot;,\\n  \\&quot;shopperLocale\\&quot;: \\&quot;de-DE\\&quot;\\n}'&quot;},{&quot;language&quot;:&quot;java&quot;,&quot;tabTitle&quot;:&quot;Java&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Java API Library v40.0.1\\nimport com.adyen.Client;\\nimport com.adyen.enums.Environment;\\nimport com.adyen.model.checkout.*;\\nimport java.time.OffsetDateTime;\\nimport java.util.*;\\nimport com.adyen.model.RequestOptions;\\nimport com.adyen.service.checkout.*;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nClient client = new Client(\\&quot;ADYEN_API_KEY\\&quot;, Environment.TEST);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount()\\n  .currency(\\&quot;EUR\\&quot;)\\n  .value(1000L);\\n\\nPaymentDetails paymentDetails = new PaymentDetails()\\n  .type(PaymentDetails.TypeEnum.DIRECTEBANKING);\\n\\nPaymentRequest paymentRequest = new PaymentRequest()\\n  .reference(\\&quot;YOUR_ORDER_NUMBER\\&quot;)\\n  .amount(amount)\\n  .merchantAccount(\\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;)\\n  .countryCode(\\&quot;DE\\&quot;)\\n  .paymentMethod(new CheckoutPaymentMethod(paymentDetails))\\n  .shopperLocale(\\&quot;de-DE\\&quot;)\\n  .returnUrl(\\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;);\\n\\n\\\/\\\/ Send the request\\nPaymentsApi service = new PaymentsApi(client);\\nPaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey(\\&quot;UUID\\&quot;));&quot;},{&quot;language&quot;:&quot;php&quot;,&quot;tabTitle&quot;:&quot;PHP&quot;,&quot;content&quot;:&quot;&lt;?php\\n\\\/\\\/ Adyen PHP API Library v28.3.0\\nuse Adyen\\\\Client;\\nuse Adyen\\\\Environment;\\nuse Adyen\\\\Model\\\\Checkout\\\\Amount;\\nuse Adyen\\\\Model\\\\Checkout\\\\CheckoutPaymentMethod;\\nuse Adyen\\\\Model\\\\Checkout\\\\PaymentRequest;\\nuse Adyen\\\\Service\\\\Checkout\\\\PaymentsApi;\\n\\n$client = new Client();\\n$client-&gt;setXApiKey(\\&quot;ADYEN_API_KEY\\&quot;);\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\n$client-&gt;setEnvironment(Environment::TEST);\\n\\n\\n\\\/\\\/ Create the request object(s)\\n$amount = new Amount();\\n$amount\\n  -&gt;setCurrency(\\&quot;EUR\\&quot;)\\n  -&gt;setValue(1000);\\n\\n$checkoutPaymentMethod = new CheckoutPaymentMethod();\\n$checkoutPaymentMethod\\n  -&gt;setType(\\&quot;directEbanking\\&quot;);\\n\\n$paymentRequest = new PaymentRequest();\\n$paymentRequest\\n  -&gt;setReference(\\&quot;YOUR_ORDER_NUMBER\\&quot;)\\n  -&gt;setAmount($amount)\\n  -&gt;setMerchantAccount(\\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;)\\n  -&gt;setCountryCode(\\&quot;DE\\&quot;)\\n  -&gt;setPaymentMethod($checkoutPaymentMethod)\\n  -&gt;setShopperLocale(\\&quot;de-DE\\&quot;)\\n  -&gt;setReturnUrl(\\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;);\\n\\n$requestOptions['idempotencyKey'] = 'UUID';\\n\\n\\\/\\\/ Send the request\\n$service = new PaymentsApi($client);\\n$response = $service-&gt;payments($paymentRequest, $requestOptions);&quot;},{&quot;language&quot;:&quot;cs&quot;,&quot;tabTitle&quot;:&quot;C#&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen .NET API Library v32.2.1\\nusing Adyen;\\nusing Environment = Adyen.Model.Environment;\\nusing Adyen.Model;\\nusing Adyen.Model.Checkout;\\nusing Adyen.Service.Checkout;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nvar config = new Config()\\n{\\n    XApiKey = \\&quot;ADYEN_API_KEY\\&quot;,\\n    Environment = Environment.Test\\n};\\nvar client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount\\n{\\n  Currency = \\&quot;EUR\\&quot;,\\n  Value = 1000\\n};\\n\\nPaymentDetails paymentDetails = new PaymentDetails\\n{\\n  Type = PaymentDetails.TypeEnum.DirectEbanking\\n};\\n\\nPaymentRequest paymentRequest = new PaymentRequest\\n{\\n  Reference = \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  Amount = amount,\\n  MerchantAccount = \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  CountryCode = \\&quot;DE\\&quot;,\\n  PaymentMethod = new CheckoutPaymentMethod(paymentDetails),\\n  ShopperLocale = \\&quot;de-DE\\&quot;,\\n  ReturnUrl = \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nvar service = new PaymentsService(client);\\nvar response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = \\&quot;UUID\\&quot;});&quot;},{&quot;language&quot;:&quot;js&quot;,&quot;tabTitle&quot;:&quot;NodeJS (JavaScript)&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Node API Library v30.0.1\\nconst { Client, CheckoutAPI } = require('@adyen\\\/api-library');\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nconst config = new Config({\\n  apiKey: \\&quot;ADYEN_API_KEY\\&quot;,\\n  environment: EnvironmentEnum.TEST\\n});\\n\\nconst client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nconst paymentRequest = {\\n  amount: {\\n    currency: \\&quot;EUR\\&quot;,\\n    value: 1000\\n  },\\n  paymentMethod: {\\n    type: \\&quot;directEbanking\\&quot;\\n  },\\n  reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  returnUrl: \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n  merchantAccount: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  countryCode: \\&quot;DE\\&quot;,\\n  shopperLocale: \\&quot;de-DE\\&quot;\\n}\\n\\n\\\/\\\/ Send the request\\nconst checkoutAPI = new CheckoutAPI(client);\\nconst response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: \\&quot;UUID\\&quot; });&quot;},{&quot;language&quot;:&quot;go&quot;,&quot;tabTitle&quot;:&quot;Go&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Go API Library v21.1.0\\nimport (\\n  \\&quot;context\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/common\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/adyen\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/checkout\\&quot;\\n)\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nclient := adyen.NewClient(&amp;common.Config{\\n  ApiKey:      \\&quot;ADYEN_API_KEY\\&quot;,\\n  Environment: common.TestEnv,\\n})\\n\\n\\\/\\\/ Create the request object(s)\\namount := checkout.Amount{\\n  Currency: \\&quot;EUR\\&quot;,\\n  Value: 1000,\\n}\\n\\npaymentDetails := checkout.PaymentDetails{\\n  Type: common.PtrString(\\&quot;directEbanking\\&quot;),\\n}\\n\\npaymentRequest := checkout.PaymentRequest{\\n  Reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  Amount: amount,\\n  MerchantAccount: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  CountryCode: common.PtrString(\\&quot;DE\\&quot;),\\n  PaymentMethod: checkout.PaymentDetailsAsCheckoutPaymentMethod(&amp;paymentDetails),\\n  ShopperLocale: common.PtrString(\\&quot;de-DE\\&quot;),\\n  ReturnUrl: \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n}\\n\\n\\\/\\\/ Send the request\\nservice := client.Checkout()\\nreq := service.PaymentsApi.PaymentsInput().IdempotencyKey(\\&quot;UUID\\&quot;).PaymentRequest(paymentRequest)\\nres, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)&quot;},{&quot;language&quot;:&quot;py&quot;,&quot;tabTitle&quot;:&quot;Python&quot;,&quot;content&quot;:&quot;# Adyen Python API Library v14.0.0\\nimport Adyen\\n\\nadyen = Adyen.Adyen()\\nadyen.client.xapikey = \\&quot;ADYEN_API_KEY\\&quot;\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.client.platform = \\&quot;test\\&quot; # The environment to use library in.\\n\\n# Create the request object(s)\\njson_request = {\\n  \\&quot;amount\\&quot;: {\\n    \\&quot;currency\\&quot;: \\&quot;EUR\\&quot;,\\n    \\&quot;value\\&quot;: 1000\\n  },\\n  \\&quot;paymentMethod\\&quot;: {\\n    \\&quot;type\\&quot;: \\&quot;directEbanking\\&quot;\\n  },\\n  \\&quot;reference\\&quot;: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  \\&quot;returnUrl\\&quot;: \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n  \\&quot;merchantAccount\\&quot;: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  \\&quot;countryCode\\&quot;: \\&quot;DE\\&quot;,\\n  \\&quot;shopperLocale\\&quot;: \\&quot;de-DE\\&quot;\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payments(request=json_request, idempotency_key=\\&quot;UUID\\&quot;)&quot;},{&quot;language&quot;:&quot;rb&quot;,&quot;tabTitle&quot;:&quot;Ruby&quot;,&quot;content&quot;:&quot;# Adyen Ruby API Library v11.1.0\\nrequire \\&quot;adyen-ruby-api-library\\&quot;\\n\\nadyen = Adyen::Client.new\\nadyen.api_key = 'ADYEN_API_KEY'\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.env = :test # Set to \\&quot;live\\&quot; for live environment\\n\\n# Create the request object(s)\\nrequest_body = {\\n  :amount =&gt; {\\n    :currency =&gt; 'EUR',\\n    :value =&gt; 1000\\n  },\\n  :paymentMethod =&gt; {\\n    :type =&gt; 'directEbanking'\\n  },\\n  :reference =&gt; 'YOUR_ORDER_NUMBER',\\n  :returnUrl =&gt; 'https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..',\\n  :merchantAccount =&gt; 'ADYEN_MERCHANT_ACCOUNT',\\n  :countryCode =&gt; 'DE',\\n  :shopperLocale =&gt; 'de-DE'\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' =&gt; 'UUID' })&quot;},{&quot;language&quot;:&quot;ts&quot;,&quot;tabTitle&quot;:&quot;NodeJS (TypeScript)&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Node API Library v30.0.1\\nimport { Client, CheckoutAPI, Types } from \\&quot;@adyen\\\/api-library\\&quot;;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nconst config = new Config({\\n  apiKey: \\&quot;ADYEN_API_KEY\\&quot;,\\n  environment: EnvironmentEnum.TEST\\n});\\n\\nconst client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nconst amount: Types.checkout.Amount = {\\n  currency: \\&quot;EUR\\&quot;,\\n  value: 1000\\n};\\n\\nconst paymentDetails: Types.checkout.PaymentDetails = {\\n  type: Types.checkout.PaymentDetails.TypeEnum.DirectEbanking\\n};\\n\\nconst paymentRequest: Types.checkout.PaymentRequest = {\\n  reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  amount: amount,\\n  merchantAccount: \\&quot;ADYEN_MERCHANT_ACCOUNT\\&quot;,\\n  countryCode: \\&quot;DE\\&quot;,\\n  paymentMethod: paymentDetails,\\n  shopperLocale: \\&quot;de-DE\\&quot;,\\n  returnUrl: \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nconst checkoutAPI = new CheckoutAPI(client);\\nconst response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: \\&quot;UUID\\&quot; });&quot;}]\" :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<p>The response includes the <code>action.type<\/code>: <strong>redirect<\/strong>.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Example response with an additional action'\" :id=\"'payments-response'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n    \\\"resultCode\\\":\\\"RedirectShopper\\\",\\n    \\\"action\\\":{\\n        \\\"paymentMethodType\\\":\\\"directEbanking\\\",\\n        \\\"method\\\":\\\"GET\\\",\\n        \\\"url\\\":\\\"https:\\\/\\\/checkoutshopper-test.adyen.com\\\/checkoutshopper\\\/checkoutPaymentRedirect?redirectData=...\\\",\\n        \\\"type\\\":\\\"redirect\\\"\\n    }\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Handle the redirect<\/h2>\n<ol>\n<li>\n<p>To complete the payment, redirect the shopper to the <code>action.url<\/code> returned in the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/payments<\/a> response, taking into account the following recommendations:<\/p>\n<ul>\n<li>When using the HTTP GET method:<br \/>\nFor security reasons, when showing the redirect in the app, we recommend that you use <a href=\"https:\/\/developer.apple.com\/documentation\/safariservices\/sfsafariviewcontroller\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">SFSafariViewController<\/a> for iOS or <a href=\"https:\/\/developer.chrome.com\/multidevice\/android\/customtabs\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Chrome Custom Tabs<\/a> for Android, instead of WebView objects. Also refer to the <a href=\"https:\/\/developer.android.com\/topic\/security\/best-practices#webview\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">security best practices<\/a> for WebView.<\/li>\n<li>Redirection for mobile integrations:<br \/>\nFor mobile integrations, we strongly recommended that you redirect the shopper to the default browser of their device. Redirecting to the default browser ensures the best compatibility, handling of multi-factor authentication, app-to-app redirection, and error handling.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>After the shopper is redirected back to your website, check the payment result by making a POST  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\/details\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/payments\/details<\/a> request, specifying:<\/p>\n<ul>\n<li><code>details<\/code>: object that contains the URL-decoded <code>redirectResult<\/code> returned when the shopper was redirected back to your site.<\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n<code-sample :title=\"'\/payments\/details request'\" :id=\"''\" :code-data=\"[{&quot;language&quot;:&quot;json&quot;,&quot;tabTitle&quot;:&quot;&quot;,&quot;content&quot;:&quot;curl https:\\\/\\\/checkout-test.adyen.com\\\/v68\\\/payments\\\/details \\\\\\n-H 'x-api-key: ADYEN_API_KEY' \\\\\\n-H 'content-type: application\\\/json' \\\\\\n-d '{\\n    \\&quot;details\\&quot;: {\\n        \\&quot;redirectResult\\&quot;: \\&quot;eyJ0cmFuc1N0YXR1cyI6IlkifQ==\\&quot;\\n    }\\n}'&quot;}]\" :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<p>You receive a <code>\/payments\/details<\/code> response containing:<\/p>\n<ul>\n<li><code>resultCode<\/code>: Use this to present the result to your shopper.<\/li>\n<li><code>pspReference<\/code>: Our unique identifier for the transaction.<\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n<code-sample :title=\"'\/payments\/details response'\" :id=\"''\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"resultCode\\\": \\\"Authorised\\\",\\n  \\\"pspReference\\\": \\\"V4HZ4RBFJGXXGN82\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<\/li>\n<\/ol>\n<h2>Show the payment result<\/h2>\n<p>Use the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\/details#responses-200-resultCode\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">resultCode<\/a> that you received in the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\/details\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/payments\/details<\/a> response to present the payment result to your shopper.<\/p>\n<p>The <code>resultCode<\/code> values you can receive for Klarna Debit Risk are:<\/p>\n<table>\n<thead>\n<tr>\n<th>resultCode<\/th>\n<th>Description<\/th>\n<th>Action to take<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Authorised<\/strong><\/td>\n<td>The shopper completed their payment, and it has been sent to the bank for processing. In most cases, this means that you will receive the funds.<\/td>\n<td>Inform the shopper that the payment has been successful.<\/td>\n<\/tr>\n<tr>\n<td><strong>Cancelled<\/strong><\/td>\n<td>The shopper cancelled the payment while on their bank's website.<\/td>\n<td>Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.<\/td>\n<\/tr>\n<tr>\n<td><strong>Error<\/strong><\/td>\n<td>There was an error when the payment was being processed.<\/td>\n<td>Inform the shopper that there was an error processing their payment. The response contains a <code>refusalReason<\/code>, indicating the cause of the error.<\/td>\n<\/tr>\n<tr>\n<td><strong>Pending<\/strong> or  <br> <strong>Received<\/strong><\/td>\n<td>The shopper has completed the payment but the final result is not yet known.<\/td>\n<td>Inform the shopper that you have received their order, and are waiting for the payment to be completed. <br> You will receive the final result of the payment in an <a href=\"\/pt\/development-resources\/webhooks\/webhook-types\">AUTHORISATION webhook<\/a>.<\/td>\n<\/tr>\n<tr>\n<td><strong>Refused<\/strong><\/td>\n<td>The payment was refused by the shopper's bank.<\/td>\n<td>Ask the shopper to try the payment again using a different payment method.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a id=\"webhooks\"><\/a> If the shopper failed to return to your website or app, wait for webhooks to know the outcome of the payment:<\/p>\n<table>\n<thead>\n<tr>\n<th>eventCode<\/th>\n<th>success field<\/th>\n<th>Description<\/th>\n<th>Action to take<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>AUTHORISATION<\/strong><\/td>\n<td><strong>false<\/strong><\/td>\n<td>The transaction failed.<\/td>\n<td>Cancel the order and inform the shopper that the payment failed.<\/td>\n<\/tr>\n<tr>\n<td><strong>AUTHORISATION<\/strong><\/td>\n<td><strong>true<\/strong><\/td>\n<td>The shopper successfully completed the payment.<\/td>\n<td>Inform the shopper that the payment has been successful and proceed with the order.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Recurring payments<\/h2>\n<p>We support recurring transactions for Klarna Debit Risk through <a href=\"https:\/\/docs.adyen.com\/payment-methods\/sepa-direct-debit\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">SEPA Direct Debit<\/a>. To make recurring payments, you need to:<\/p>\n<ol>\n<li><a href=\"#create-a-token\">Create a shopper token<\/a>.<\/li>\n<li><a href=\"#make-payment-with-token\">Use the token to make future payments for the shopper<\/a>.<\/li>\n<\/ol>\n<div class=\"notices green\">\n<p>We strongly recommend that you request explicit permission from the shopper if you intend to make recurring SEPA payments. Being transparent about the payment schedule and the charged amount reduces the risk of chargebacks.<\/p>\n<\/div>\n<h3 id=\"create-a-token\">Create a token<\/h3>\n<h4>Store SEPA details using a Klarna Debit Risk payment<\/h4>\n<p>When <a href=\"\/pt\/online-payments\/tokenization\/create-tokens\">creating a token<\/a> with a Klarna Debit Risk payment, use the standard tokenization parameters in your payment request. You do not need to include any additional parameters.<\/p>\n<p>Include the following parameters in your  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/payments<\/a> request:<\/p>\n<table>\n<thead>\n<tr>\n<th>Parameter<\/th>\n<th>Required<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>paymentMethod.type<\/code><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>Set to <strong>directEbanking<\/strong>.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-returnUrl\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">returnUrl<\/a><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>URL to where the shopper should be redirected back to after they complete the payment.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-countryCode\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">countryCode<\/a><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>The shopper's country\/region in a two-letter country code format. Include this in the request to make sure the shopper can proceed in the Klarna flow.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-shopperLocale\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">shopperLocale<\/a><\/td>\n<td><\/td>\n<td>The language that the Klarna Debit Risk page should be rendered in. The page can be the local language (for example, nl-NL for the Netherlands) or in en-US.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-shopperEmail\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">shopperEmail<\/a><\/td>\n<td><\/td>\n<td>The email of the shopper. If included, Klarna will pre-fill it if the shopper does not have a Klarna account yet and needs to create one.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-telephoneNumber\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">telephoneNumber<\/a><\/td>\n<td><\/td>\n<td>The phone number of the shopper. If included, Klarna will pre-fill it in the Klarna log-in screen.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-recurringProcessingModel\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">recurringProcessingModel<\/a><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>The type of recurring payment the token is intended for.<br\/>If you want to use the token for more than one type of recurring payment, use the type that is most appropriate at the time of token creation. In subsequent transactions, you can specify another <code>recurringProcessingModel<\/code>.<br\/>Possible values:<br\/><strong>UnscheduledCardOnFile<\/strong>: A transaction that occurs on a non-fixed schedule and\/or have variable amounts.<br\/><strong>Subscription<\/strong>: A transaction for a fixed or variable amount, which follows a fixed schedule.<br\/><strong>CardOnFile<\/strong>: A transaction where bank account details are stored to enable one-click or omnichannel journeys, or to offer a faster checkout later. Because of the chargeback risks associated with SEPA Direct Debit, it is not recommended to use SEPA Direct Debit for CardOnFile flows. Because the user is present, it is recommended to let the user authorize individual payments with Klarna Debit Risk.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-shopperInteraction\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">shopperInteraction<\/a><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>Indicates the sales channel through which the shopper authorizes the payment. For online transactions, this is <strong>Ecommerce<\/strong>.<\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-shopperReference\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">shopperReference<\/a><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>Your unique reference for the shopper. Do not include personally identifiable information (PII), such as name or email address.<br\/>Format:<br\/><ul><li markdown=\"1\">Minimum length: 3 characters.<\/li><li markdown=\"1\">Case-sensitive.<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-storePaymentMethod\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">storePaymentMethod<\/a><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td>When you first create a token, set to <strong>true<\/strong> to store the shopper's payment details. For subsequent payments, this parameter is not required.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Create a Klarna Debit Risk token for subscription payments'\" :id=\"'sepa-create-token-klarna-debit-risk'\" :code-data=\"[{&quot;language&quot;:&quot;bash&quot;,&quot;tabTitle&quot;:&quot;curl&quot;,&quot;content&quot;:&quot;curl https:\\\/\\\/checkout-test.adyen.com\\\/v72\\\/payments \\\\\\n-H 'x-api-key: ADYEN_API_KEY' \\\\\\n-H 'content-type: application\\\/json' \\\\\\n-d '{\\n   \\&quot;amount\\&quot;:{\\n      \\&quot;value\\&quot;:1000,\\n      \\&quot;currency\\&quot;:\\&quot;EUR\\&quot;\\n   },\\n   \\&quot;paymentMethod\\&quot;:{\\n      \\&quot;type\\&quot;:\\&quot;directEbanking\\&quot;\\n   },\\n   \\&quot;merchantAccount\\&quot;:\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n   \\&quot;reference\\&quot;:\\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n   \\&quot;recurringProcessingModel\\&quot;: \\&quot;Subscription\\&quot;,\\n   \\&quot;returnUrl\\&quot;:\\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n   \\&quot;shopperReference\\&quot;:\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;,\\n   \\&quot;shopperInteraction\\&quot;:\\&quot;ContAuth\\&quot;,\\n   \\&quot;storePaymentMethod\\&quot;: \\&quot;true\\&quot;\\n}'&quot;},{&quot;language&quot;:&quot;java&quot;,&quot;tabTitle&quot;:&quot;Java&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Java API Library v41.0.0\\nimport com.adyen.Client;\\nimport com.adyen.enums.Environment;\\nimport com.adyen.model.checkout.*;\\nimport java.time.OffsetDateTime;\\nimport java.util.*;\\nimport com.adyen.model.RequestOptions;\\nimport com.adyen.service.checkout.*;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nClient client = new Client(\\&quot;ADYEN_API_KEY\\&quot;, Environment.TEST);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount()\\n  .currency(\\&quot;EUR\\&quot;)\\n  .value(1000L);\\n\\nPaymentDetails paymentDetails = new PaymentDetails()\\n  .type(PaymentDetails.TypeEnum.DIRECTEBANKING);\\n\\nPaymentRequest paymentRequest = new PaymentRequest()\\n  .reference(\\&quot;YOUR_ORDER_NUMBER\\&quot;)\\n  .amount(amount)\\n  .storePaymentMethod(true)\\n  .merchantAccount(\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;)\\n  .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.SUBSCRIPTION)\\n  .paymentMethod(new CheckoutPaymentMethod(paymentDetails))\\n  .shopperInteraction(PaymentRequest.ShopperInteractionEnum.CONTAUTH)\\n  .returnUrl(\\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;)\\n  .shopperReference(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;);\\n\\n\\\/\\\/ Send the request\\nPaymentsApi service = new PaymentsApi(client);\\nPaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey(\\&quot;UUID\\&quot;));&quot;},{&quot;language&quot;:&quot;php&quot;,&quot;tabTitle&quot;:&quot;PHP&quot;,&quot;content&quot;:&quot;&lt;?php\\n\\\/\\\/ Adyen PHP API Library v29.0.0\\nuse Adyen\\\\Client;\\nuse Adyen\\\\Environment;\\nuse Adyen\\\\Model\\\\Checkout\\\\Amount;\\nuse Adyen\\\\Model\\\\Checkout\\\\CheckoutPaymentMethod;\\nuse Adyen\\\\Model\\\\Checkout\\\\PaymentRequest;\\nuse Adyen\\\\Service\\\\Checkout\\\\PaymentsApi;\\n\\n$client = new Client();\\n$client-&gt;setXApiKey(\\&quot;ADYEN_API_KEY\\&quot;);\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\n$client-&gt;setEnvironment(Environment::TEST);\\n\\n\\n\\\/\\\/ Create the request object(s)\\n$amount = new Amount();\\n$amount\\n  -&gt;setCurrency(\\&quot;EUR\\&quot;)\\n  -&gt;setValue(1000);\\n\\n$checkoutPaymentMethod = new CheckoutPaymentMethod();\\n$checkoutPaymentMethod\\n  -&gt;setType(\\&quot;directEbanking\\&quot;);\\n\\n$paymentRequest = new PaymentRequest();\\n$paymentRequest\\n  -&gt;setReference(\\&quot;YOUR_ORDER_NUMBER\\&quot;)\\n  -&gt;setAmount($amount)\\n  -&gt;setStorePaymentMethod(true)\\n  -&gt;setMerchantAccount(\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;)\\n  -&gt;setRecurringProcessingModel(\\&quot;Subscription\\&quot;)\\n  -&gt;setPaymentMethod($checkoutPaymentMethod)\\n  -&gt;setShopperInteraction(\\&quot;ContAuth\\&quot;)\\n  -&gt;setReturnUrl(\\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;)\\n  -&gt;setShopperReference(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;);\\n\\n$requestOptions['idempotencyKey'] = 'UUID';\\n\\n\\\/\\\/ Send the request\\n$service = new PaymentsApi($client);\\n$response = $service-&gt;payments($paymentRequest, $requestOptions);&quot;},{&quot;language&quot;:&quot;cs&quot;,&quot;tabTitle&quot;:&quot;C#&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen .net API Library v33.0.0\\nusing Adyen;\\nusing Environment = Adyen.Model.Environment;\\nusing Adyen.Model;\\nusing Adyen.Model.Checkout;\\nusing Adyen.Service.Checkout;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nvar config = new Config()\\n{\\n    XApiKey = \\&quot;ADYEN_API_KEY\\&quot;,\\n    Environment = Environment.Test\\n};\\nvar client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount\\n{\\n  Currency = \\&quot;EUR\\&quot;,\\n  Value = 1000\\n};\\n\\nPaymentDetails paymentDetails = new PaymentDetails\\n{\\n  Type = PaymentDetails.TypeEnum.DirectEbanking\\n};\\n\\nPaymentRequest paymentRequest = new PaymentRequest\\n{\\n  Reference = \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  Amount = amount,\\n  StorePaymentMethod = true,\\n  MerchantAccount = \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.Subscription,\\n  PaymentMethod = new CheckoutPaymentMethod(paymentDetails),\\n  ShopperInteraction = PaymentRequest.ShopperInteractionEnum.ContAuth,\\n  ReturnUrl = \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n  ShopperReference = \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nvar service = new PaymentsService(client);\\nvar response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = \\&quot;UUID\\&quot;});&quot;},{&quot;language&quot;:&quot;js&quot;,&quot;tabTitle&quot;:&quot;NodeJS (JavaScript)&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Node API Library v30.1.0\\nconst { Client, CheckoutAPI } = require('@adyen\\\/api-library');\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nconst config = new Config({\\n  apiKey: \\&quot;ADYEN_API_KEY\\&quot;,\\n  environment: EnvironmentEnum.TEST\\n});\\n\\nconst client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nconst paymentRequest = {\\n  amount: {\\n    value: 1000,\\n    currency: \\&quot;EUR\\&quot;\\n  },\\n  paymentMethod: {\\n    type: \\&quot;directEbanking\\&quot;\\n  },\\n  merchantAccount: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  recurringProcessingModel: \\&quot;Subscription\\&quot;,\\n  returnUrl: \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n  shopperReference: \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;,\\n  shopperInteraction: \\&quot;ContAuth\\&quot;,\\n  storePaymentMethod: \\&quot;true\\&quot;\\n}\\n\\n\\\/\\\/ Send the request\\nconst checkoutAPI = new CheckoutAPI(client);\\nconst response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: \\&quot;UUID\\&quot; });&quot;},{&quot;language&quot;:&quot;go&quot;,&quot;tabTitle&quot;:&quot;Go&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Go API Library v21.1.0\\nimport (\\n  \\&quot;context\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/common\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/adyen\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/checkout\\&quot;\\n)\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nclient := adyen.NewClient(&amp;common.Config{\\n  ApiKey:      \\&quot;ADYEN_API_KEY\\&quot;,\\n  Environment: common.TestEnv,\\n})\\n\\n\\\/\\\/ Create the request object(s)\\namount := checkout.Amount{\\n  Currency: \\&quot;EUR\\&quot;,\\n  Value: 1000,\\n}\\n\\npaymentDetails := checkout.PaymentDetails{\\n  Type: common.PtrString(\\&quot;directEbanking\\&quot;),\\n}\\n\\npaymentRequest := checkout.PaymentRequest{\\n  Reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  Amount: amount,\\n  StorePaymentMethod: common.PtrBool(true),\\n  MerchantAccount: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  RecurringProcessingModel: common.PtrString(\\&quot;Subscription\\&quot;),\\n  PaymentMethod: checkout.PaymentDetailsAsCheckoutPaymentMethod(&amp;paymentDetails),\\n  ShopperInteraction: common.PtrString(\\&quot;ContAuth\\&quot;),\\n  ReturnUrl: \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n  ShopperReference: common.PtrString(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;),\\n}\\n\\n\\\/\\\/ Send the request\\nservice := client.Checkout()\\nreq := service.PaymentsApi.PaymentsInput().IdempotencyKey(\\&quot;UUID\\&quot;).PaymentRequest(paymentRequest)\\nres, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)&quot;},{&quot;language&quot;:&quot;py&quot;,&quot;tabTitle&quot;:&quot;Python&quot;,&quot;content&quot;:&quot;# Adyen Python API Library v14.0.0\\nimport Adyen\\n\\nadyen = Adyen.Adyen()\\nadyen.client.xapikey = \\&quot;ADYEN_API_KEY\\&quot;\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.client.platform = \\&quot;test\\&quot; # The environment to use library in.\\n\\n# Create the request object(s)\\njson_request = {\\n  \\&quot;amount\\&quot;: {\\n    \\&quot;value\\&quot;: 1000,\\n    \\&quot;currency\\&quot;: \\&quot;EUR\\&quot;\\n  },\\n  \\&quot;paymentMethod\\&quot;: {\\n    \\&quot;type\\&quot;: \\&quot;directEbanking\\&quot;\\n  },\\n  \\&quot;merchantAccount\\&quot;: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  \\&quot;reference\\&quot;: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  \\&quot;recurringProcessingModel\\&quot;: \\&quot;Subscription\\&quot;,\\n  \\&quot;returnUrl\\&quot;: \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n  \\&quot;shopperReference\\&quot;: \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;,\\n  \\&quot;shopperInteraction\\&quot;: \\&quot;ContAuth\\&quot;,\\n  \\&quot;storePaymentMethod\\&quot;: \\&quot;True\\&quot;\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payments(request=json_request, idempotency_key=\\&quot;UUID\\&quot;)&quot;},{&quot;language&quot;:&quot;rb&quot;,&quot;tabTitle&quot;:&quot;Ruby&quot;,&quot;content&quot;:&quot;# Adyen Ruby API Library v11.1.0\\nrequire \\&quot;adyen-ruby-api-library\\&quot;\\n\\nadyen = Adyen::Client.new\\nadyen.api_key = 'ADYEN_API_KEY'\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.env = :test # Set to \\&quot;live\\&quot; for live environment\\n\\n# Create the request object(s)\\nrequest_body = {\\n  :amount =&gt; {\\n    :value =&gt; 1000,\\n    :currency =&gt; 'EUR'\\n  },\\n  :paymentMethod =&gt; {\\n    :type =&gt; 'directEbanking'\\n  },\\n  :merchantAccount =&gt; 'YOUR_MERCHANT_ACCOUNT',\\n  :reference =&gt; 'YOUR_ORDER_NUMBER',\\n  :recurringProcessingModel =&gt; 'Subscription',\\n  :returnUrl =&gt; 'https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..',\\n  :shopperReference =&gt; 'YOUR_SHOPPER_REFERENCE',\\n  :shopperInteraction =&gt; 'ContAuth',\\n  :storePaymentMethod =&gt; 'true'\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' =&gt; 'UUID' })&quot;},{&quot;language&quot;:&quot;ts&quot;,&quot;tabTitle&quot;:&quot;NodeJS (TypeScript)&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Node API Library v30.1.0\\nimport { Client, CheckoutAPI, Types } from \\&quot;@adyen\\\/api-library\\&quot;;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nconst config = new Config({\\n  apiKey: \\&quot;ADYEN_API_KEY\\&quot;,\\n  environment: EnvironmentEnum.TEST\\n});\\n\\nconst client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nconst amount: Types.checkout.Amount = {\\n  currency: \\&quot;EUR\\&quot;,\\n  value: 1000\\n};\\n\\nconst paymentDetails: Types.checkout.PaymentDetails = {\\n  type: Types.checkout.PaymentDetails.TypeEnum.DirectEbanking\\n};\\n\\nconst paymentRequest: Types.checkout.PaymentRequest = {\\n  reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  amount: amount,\\n  storePaymentMethod: true,\\n  merchantAccount: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.Subscription,\\n  paymentMethod: paymentDetails,\\n  shopperInteraction: Types.checkout.PaymentRequest.ShopperInteractionEnum.ContAuth,\\n  returnUrl: \\&quot;https:\\\/\\\/your-company.com\\\/checkout?shopperOrder=12xy..\\&quot;,\\n  shopperReference: \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nconst checkoutAPI = new CheckoutAPI(client);\\nconst response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: \\&quot;UUID\\&quot; });&quot;}]\" :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<p>When a token is created, you receive a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Tokenization-webhooks\/latest\/post\/recurring.token.created\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">recurring.token.created<\/a> webhook. The webhook contains the <code>storedPaymentMethodId<\/code> that you can use to make subsequent payments using the stored payment details.<\/p>\n<h3 id=\"make-payment-with-token\">Make a payment with a token<\/h3>\n<div class=\"notices green\">\n<p>Only use tokenised payments in scenarios where the shopper is not present, that is, <code>UnscheduledCardOnFile<\/code> and <code>Subscription<\/code> payments.<\/p>\n<\/div>\n<h4>Make a subscription payment<\/h4>\n<p><a href=\"\/pt\/online-payments\/tokenization\/make-token-payments#make-a-subscription-or-unscheduled-card-on-file-payment\">Make a subscription payment<\/a> using the standard tokenization parameters. The payment will be processed as a SEPA Direct Debit payment. You do not need to include any additional parameters.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Make a subscription payment with a SEPA token'\" :id=\"'sepa-recurring-subscription'\" :code-data=\"[{&quot;language&quot;:&quot;bash&quot;,&quot;tabTitle&quot;:&quot;curl&quot;,&quot;content&quot;:&quot;curl https:\\\/\\\/checkout-test.adyen.com\\\/v72\\\/payments \\\\\\n-H 'x-api-key: ADYEN_API_KEY' \\\\\\n-H 'content-type: application\\\/json' \\\\\\n-d '{\\n   \\&quot;amount\\&quot;:{\\n      \\&quot;value\\&quot;:1000,\\n      \\&quot;currency\\&quot;:\\&quot;EUR\\&quot;\\n   },\\n   \\&quot;paymentMethod\\&quot;:{\\n      \\&quot;type\\&quot;:\\&quot;sepadirectdebit\\&quot;,\\n      \\&quot;storedPaymentMethodId\\&quot;:\\&quot;7219687191761347\\&quot;\\n   },\\n   \\&quot;merchantAccount\\&quot;:\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n   \\&quot;reference\\&quot;:\\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n   \\&quot;shopperReference\\&quot;:\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;,\\n   \\&quot;shopperInteraction\\&quot;:\\&quot;ContAuth\\&quot;,\\n   \\&quot;recurringProcessingModel\\&quot;: \\&quot;Subscription\\&quot;\\n}'&quot;},{&quot;language&quot;:&quot;java&quot;,&quot;tabTitle&quot;:&quot;Java&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Java API Library v39.3.0\\nimport com.adyen.Client;\\nimport com.adyen.enums.Environment;\\nimport com.adyen.model.checkout.*;\\nimport java.time.OffsetDateTime;\\nimport java.util.*;\\nimport com.adyen.model.RequestOptions;\\nimport com.adyen.service.checkout.*;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nClient client = new Client(\\&quot;ADYEN_API_KEY\\&quot;, Environment.TEST);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount()\\n  .currency(\\&quot;EUR\\&quot;)\\n  .value(1000L);\\n\\nSepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails()\\n  .storedPaymentMethodId(\\&quot;7219687191761347\\&quot;)\\n  .type(SepaDirectDebitDetails.TypeEnum.SEPADIRECTDEBIT);\\n\\nPaymentRequest paymentRequest = new PaymentRequest()\\n  .reference(\\&quot;YOUR_ORDER_NUMBER\\&quot;)\\n  .amount(amount)\\n  .merchantAccount(\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;)\\n  .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.SUBSCRIPTION)\\n  .paymentMethod(new CheckoutPaymentMethod(sepaDirectDebitDetails))\\n  .shopperInteraction(PaymentRequest.ShopperInteractionEnum.CONTAUTH)\\n  .shopperReference(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;);\\n\\n\\\/\\\/ Send the request\\nPaymentsApi service = new PaymentsApi(client);\\nPaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey(\\&quot;UUID\\&quot;));&quot;},{&quot;language&quot;:&quot;php&quot;,&quot;tabTitle&quot;:&quot;PHP&quot;,&quot;content&quot;:&quot;&lt;?php\\n\\\/\\\/ Adyen PHP API Library v28.2.0\\nuse Adyen\\\\Client;\\nuse Adyen\\\\Environment;\\nuse Adyen\\\\Model\\\\Checkout\\\\Amount;\\nuse Adyen\\\\Model\\\\Checkout\\\\CheckoutPaymentMethod;\\nuse Adyen\\\\Model\\\\Checkout\\\\PaymentRequest;\\nuse Adyen\\\\Service\\\\Checkout\\\\PaymentsApi;\\n\\n$client = new Client();\\n$client-&gt;setXApiKey(\\&quot;ADYEN_API_KEY\\&quot;);\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\n$client-&gt;setEnvironment(Environment::TEST);\\n\\n\\n\\\/\\\/ Create the request object(s)\\n$amount = new Amount();\\n$amount\\n  -&gt;setCurrency(\\&quot;EUR\\&quot;)\\n  -&gt;setValue(1000);\\n\\n$checkoutPaymentMethod = new CheckoutPaymentMethod();\\n$checkoutPaymentMethod\\n  -&gt;setStoredPaymentMethodId(\\&quot;7219687191761347\\&quot;)\\n  -&gt;setType(\\&quot;sepadirectdebit\\&quot;);\\n\\n$paymentRequest = new PaymentRequest();\\n$paymentRequest\\n  -&gt;setReference(\\&quot;YOUR_ORDER_NUMBER\\&quot;)\\n  -&gt;setAmount($amount)\\n  -&gt;setMerchantAccount(\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;)\\n  -&gt;setRecurringProcessingModel(\\&quot;Subscription\\&quot;)\\n  -&gt;setPaymentMethod($checkoutPaymentMethod)\\n  -&gt;setShopperInteraction(\\&quot;ContAuth\\&quot;)\\n  -&gt;setShopperReference(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;);\\n\\n$requestOptions['idempotencyKey'] = 'UUID';\\n\\n\\\/\\\/ Send the request\\n$service = new PaymentsApi($client);\\n$response = $service-&gt;payments($paymentRequest, $requestOptions);&quot;},{&quot;language&quot;:&quot;cs&quot;,&quot;tabTitle&quot;:&quot;C#&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen .net API Library v32.1.1\\nusing Adyen;\\nusing Environment = Adyen.Model.Environment;\\nusing Adyen.Model;\\nusing Adyen.Model.Checkout;\\nusing Adyen.Service.Checkout;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nvar config = new Config()\\n{\\n    XApiKey = \\&quot;ADYEN_API_KEY\\&quot;,\\n    Environment = Environment.Test\\n};\\nvar client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount\\n{\\n  Currency = \\&quot;EUR\\&quot;,\\n  Value = 1000\\n};\\n\\nSepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails\\n{\\n  StoredPaymentMethodId = \\&quot;7219687191761347\\&quot;,\\n  Type = SepaDirectDebitDetails.TypeEnum.Sepadirectdebit\\n};\\n\\nPaymentRequest paymentRequest = new PaymentRequest\\n{\\n  Reference = \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  Amount = amount,\\n  MerchantAccount = \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.Subscription,\\n  PaymentMethod = new CheckoutPaymentMethod(sepaDirectDebitDetails),\\n  ShopperInteraction = PaymentRequest.ShopperInteractionEnum.ContAuth,\\n  ShopperReference = \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nvar service = new PaymentsService(client);\\nvar response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = \\&quot;UUID\\&quot;});&quot;},{&quot;language&quot;:&quot;go&quot;,&quot;tabTitle&quot;:&quot;Go&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Go API Library v21.0.0\\nimport (\\n  \\&quot;context\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/common\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/adyen\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/checkout\\&quot;\\n)\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nclient := adyen.NewClient(&amp;common.Config{\\n  ApiKey:      \\&quot;ADYEN_API_KEY\\&quot;,\\n  Environment: common.TestEnv,\\n})\\n\\n\\\/\\\/ Create the request object(s)\\namount := checkout.Amount{\\n  Currency: \\&quot;EUR\\&quot;,\\n  Value: 1000,\\n}\\n\\nsepaDirectDebitDetails := checkout.SepaDirectDebitDetails{\\n  StoredPaymentMethodId: common.PtrString(\\&quot;7219687191761347\\&quot;),\\n  Type: common.PtrString(\\&quot;sepadirectdebit\\&quot;),\\n}\\n\\npaymentRequest := checkout.PaymentRequest{\\n  Reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  Amount: amount,\\n  MerchantAccount: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  RecurringProcessingModel: common.PtrString(\\&quot;Subscription\\&quot;),\\n  PaymentMethod: checkout.SepaDirectDebitDetailsAsCheckoutPaymentMethod(&amp;sepaDirectDebitDetails),\\n  ShopperInteraction: common.PtrString(\\&quot;ContAuth\\&quot;),\\n  ShopperReference: common.PtrString(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;),\\n}\\n\\n\\\/\\\/ Send the request\\nservice := client.Checkout()\\nreq := service.PaymentsApi.PaymentsInput().IdempotencyKey(\\&quot;UUID\\&quot;).PaymentRequest(paymentRequest)\\nres, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)&quot;},{&quot;language&quot;:&quot;py&quot;,&quot;tabTitle&quot;:&quot;Python&quot;,&quot;content&quot;:&quot;# Adyen Python API Library v13.6.0\\nimport Adyen\\n\\nadyen = Adyen.Adyen()\\nadyen.client.xapikey = \\&quot;ADYEN_API_KEY\\&quot;\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.client.platform = \\&quot;test\\&quot; # The environment to use library in.\\n\\n# Create the request object(s)\\njson_request = {\\n  \\&quot;amount\\&quot;: {\\n    \\&quot;value\\&quot;: 1000,\\n    \\&quot;currency\\&quot;: \\&quot;EUR\\&quot;\\n  },\\n  \\&quot;paymentMethod\\&quot;: {\\n    \\&quot;type\\&quot;: \\&quot;sepadirectdebit\\&quot;,\\n    \\&quot;storedPaymentMethodId\\&quot;: \\&quot;7219687191761347\\&quot;\\n  },\\n  \\&quot;merchantAccount\\&quot;: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  \\&quot;reference\\&quot;: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  \\&quot;shopperReference\\&quot;: \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;,\\n  \\&quot;shopperInteraction\\&quot;: \\&quot;ContAuth\\&quot;,\\n  \\&quot;recurringProcessingModel\\&quot;: \\&quot;Subscription\\&quot;\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payments(request=json_request, idempotency_key=\\&quot;UUID\\&quot;)&quot;},{&quot;language&quot;:&quot;rb&quot;,&quot;tabTitle&quot;:&quot;Ruby&quot;,&quot;content&quot;:&quot;# Adyen Ruby API Library v10.4.0\\nrequire \\&quot;adyen-ruby-api-library\\&quot;\\n\\nadyen = Adyen::Client.new\\nadyen.api_key = 'ADYEN_API_KEY'\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.env = :test # Set to \\&quot;live\\&quot; for live environment\\n\\n# Create the request object(s)\\nrequest_body = {\\n  :amount =&gt; {\\n    :value =&gt; 1000,\\n    :currency =&gt; 'EUR'\\n  },\\n  :paymentMethod =&gt; {\\n    :type =&gt; 'sepadirectdebit',\\n    :storedPaymentMethodId =&gt; '7219687191761347'\\n  },\\n  :merchantAccount =&gt; 'YOUR_MERCHANT_ACCOUNT',\\n  :reference =&gt; 'YOUR_ORDER_NUMBER',\\n  :shopperReference =&gt; 'YOUR_SHOPPER_REFERENCE',\\n  :shopperInteraction =&gt; 'ContAuth',\\n  :recurringProcessingModel =&gt; 'Subscription'\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' =&gt; 'UUID' })&quot;},{&quot;language&quot;:&quot;ts&quot;,&quot;tabTitle&quot;:&quot;NodeJS (TypeScript)&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Node API Library v29.0.0\\nimport { Client, CheckoutAPI, Types } from \\&quot;@adyen\\\/api-library\\&quot;;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nconst config = new Config({\\n  apiKey: \\&quot;ADYEN_API_KEY\\&quot;,\\n  environment: EnvironmentEnum.TEST\\n});\\n\\nconst client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nconst amount: Types.checkout.Amount = {\\n  currency: \\&quot;EUR\\&quot;,\\n  value: 1000\\n};\\n\\nconst sepaDirectDebitDetails: Types.checkout.SepaDirectDebitDetails = {\\n  storedPaymentMethodId: \\&quot;7219687191761347\\&quot;,\\n  type: Types.checkout.SepaDirectDebitDetails.TypeEnum.Sepadirectdebit\\n};\\n\\nconst paymentRequest: Types.checkout.PaymentRequest = {\\n  reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  amount: amount,\\n  merchantAccount: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.Subscription,\\n  paymentMethod: sepaDirectDebitDetails,\\n  shopperInteraction: Types.checkout.PaymentRequest.ShopperInteractionEnum.ContAuth,\\n  shopperReference: \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nconst checkoutAPI = new CheckoutAPI(client);\\nconst response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: \\&quot;UUID\\&quot; });&quot;}]\" :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h4>Make an unscheduled card-on-file payment<\/h4>\n<p><a href=\"\/pt\/online-payments\/tokenization\/make-token-payments#make-a-subscription-or-unscheduled-card-on-file-payment\">Make an unscheduled card-on-file<\/a> using the standard tokenization parameters. The payment will be processed as a SEPA Direct Debit payment. You do not need to include any additional parameters.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Make an unscheduled card-on-file payment with a SEPA token'\" :id=\"'sepa-recurring-unscheduled'\" :code-data=\"[{&quot;language&quot;:&quot;bash&quot;,&quot;tabTitle&quot;:&quot;curl&quot;,&quot;content&quot;:&quot;curl https:\\\/\\\/checkout-test.adyen.com\\\/v72\\\/payments \\\\\\n-H 'x-api-key: ADYEN_API_KEY' \\\\\\n-H 'content-type: application\\\/json' \\\\\\n-d '{\\n   \\&quot;amount\\&quot;:{\\n      \\&quot;value\\&quot;:1000,\\n      \\&quot;currency\\&quot;:\\&quot;EUR\\&quot;\\n   },\\n   \\&quot;paymentMethod\\&quot;:{\\n      \\&quot;type\\&quot;:\\&quot;sepadirectdebit\\&quot;,\\n      \\&quot;storedPaymentMethodId\\&quot;:\\&quot;7219687191761347\\&quot;\\n   },\\n   \\&quot;merchantAccount\\&quot;:\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n   \\&quot;reference\\&quot;:\\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n   \\&quot;shopperReference\\&quot;:\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;,\\n   \\&quot;shopperInteraction\\&quot;:\\&quot;ContAuth\\&quot;,\\n   \\&quot;recurringProcessingModel\\&quot;: \\&quot;UnscheduledCardOnFile\\&quot;\\n}'&quot;},{&quot;language&quot;:&quot;java&quot;,&quot;tabTitle&quot;:&quot;Java&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Java API Library v39.3.0\\nimport com.adyen.Client;\\nimport com.adyen.enums.Environment;\\nimport com.adyen.model.checkout.*;\\nimport java.time.OffsetDateTime;\\nimport java.util.*;\\nimport com.adyen.model.RequestOptions;\\nimport com.adyen.service.checkout.*;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nClient client = new Client(\\&quot;ADYEN_API_KEY\\&quot;, Environment.TEST);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount()\\n  .currency(\\&quot;EUR\\&quot;)\\n  .value(1000L);\\n\\nSepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails()\\n  .storedPaymentMethodId(\\&quot;7219687191761347\\&quot;)\\n  .type(SepaDirectDebitDetails.TypeEnum.SEPADIRECTDEBIT);\\n\\nPaymentRequest paymentRequest = new PaymentRequest()\\n  .reference(\\&quot;YOUR_ORDER_NUMBER\\&quot;)\\n  .amount(amount)\\n  .merchantAccount(\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;)\\n  .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.UNSCHEDULEDCARDONFILE)\\n  .paymentMethod(new CheckoutPaymentMethod(sepaDirectDebitDetails))\\n  .shopperInteraction(PaymentRequest.ShopperInteractionEnum.CONTAUTH)\\n  .shopperReference(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;);\\n\\n\\\/\\\/ Send the request\\nPaymentsApi service = new PaymentsApi(client);\\nPaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey(\\&quot;UUID\\&quot;));&quot;},{&quot;language&quot;:&quot;php&quot;,&quot;tabTitle&quot;:&quot;PHP&quot;,&quot;content&quot;:&quot;&lt;?php\\n\\\/\\\/ Adyen PHP API Library v28.2.0\\nuse Adyen\\\\Client;\\nuse Adyen\\\\Environment;\\nuse Adyen\\\\Model\\\\Checkout\\\\Amount;\\nuse Adyen\\\\Model\\\\Checkout\\\\CheckoutPaymentMethod;\\nuse Adyen\\\\Model\\\\Checkout\\\\PaymentRequest;\\nuse Adyen\\\\Service\\\\Checkout\\\\PaymentsApi;\\n\\n$client = new Client();\\n$client-&gt;setXApiKey(\\&quot;ADYEN_API_KEY\\&quot;);\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\n$client-&gt;setEnvironment(Environment::TEST);\\n\\n\\n\\\/\\\/ Create the request object(s)\\n$amount = new Amount();\\n$amount\\n  -&gt;setCurrency(\\&quot;EUR\\&quot;)\\n  -&gt;setValue(1000);\\n\\n$checkoutPaymentMethod = new CheckoutPaymentMethod();\\n$checkoutPaymentMethod\\n  -&gt;setStoredPaymentMethodId(\\&quot;7219687191761347\\&quot;)\\n  -&gt;setType(\\&quot;sepadirectdebit\\&quot;);\\n\\n$paymentRequest = new PaymentRequest();\\n$paymentRequest\\n  -&gt;setReference(\\&quot;YOUR_ORDER_NUMBER\\&quot;)\\n  -&gt;setAmount($amount)\\n  -&gt;setMerchantAccount(\\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;)\\n  -&gt;setRecurringProcessingModel(\\&quot;UnscheduledCardOnFile\\&quot;)\\n  -&gt;setPaymentMethod($checkoutPaymentMethod)\\n  -&gt;setShopperInteraction(\\&quot;ContAuth\\&quot;)\\n  -&gt;setShopperReference(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;);\\n\\n$requestOptions['idempotencyKey'] = 'UUID';\\n\\n\\\/\\\/ Send the request\\n$service = new PaymentsApi($client);\\n$response = $service-&gt;payments($paymentRequest, $requestOptions);&quot;},{&quot;language&quot;:&quot;cs&quot;,&quot;tabTitle&quot;:&quot;C#&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen .net API Library v32.1.1\\nusing Adyen;\\nusing Environment = Adyen.Model.Environment;\\nusing Adyen.Model;\\nusing Adyen.Model.Checkout;\\nusing Adyen.Service.Checkout;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nvar config = new Config()\\n{\\n    XApiKey = \\&quot;ADYEN_API_KEY\\&quot;,\\n    Environment = Environment.Test\\n};\\nvar client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nAmount amount = new Amount\\n{\\n  Currency = \\&quot;EUR\\&quot;,\\n  Value = 1000\\n};\\n\\nSepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails\\n{\\n  StoredPaymentMethodId = \\&quot;7219687191761347\\&quot;,\\n  Type = SepaDirectDebitDetails.TypeEnum.Sepadirectdebit\\n};\\n\\nPaymentRequest paymentRequest = new PaymentRequest\\n{\\n  Reference = \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  Amount = amount,\\n  MerchantAccount = \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.UnscheduledCardOnFile,\\n  PaymentMethod = new CheckoutPaymentMethod(sepaDirectDebitDetails),\\n  ShopperInteraction = PaymentRequest.ShopperInteractionEnum.ContAuth,\\n  ShopperReference = \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nvar service = new PaymentsService(client);\\nvar response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = \\&quot;UUID\\&quot;});&quot;},{&quot;language&quot;:&quot;go&quot;,&quot;tabTitle&quot;:&quot;Go&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Go API Library v21.0.0\\nimport (\\n  \\&quot;context\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/common\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/adyen\\&quot;\\n  \\&quot;github.com\\\/adyen\\\/adyen-go-api-library\\\/v21\\\/src\\\/checkout\\&quot;\\n)\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nclient := adyen.NewClient(&amp;common.Config{\\n  ApiKey:      \\&quot;ADYEN_API_KEY\\&quot;,\\n  Environment: common.TestEnv,\\n})\\n\\n\\\/\\\/ Create the request object(s)\\namount := checkout.Amount{\\n  Currency: \\&quot;EUR\\&quot;,\\n  Value: 1000,\\n}\\n\\nsepaDirectDebitDetails := checkout.SepaDirectDebitDetails{\\n  StoredPaymentMethodId: common.PtrString(\\&quot;7219687191761347\\&quot;),\\n  Type: common.PtrString(\\&quot;sepadirectdebit\\&quot;),\\n}\\n\\npaymentRequest := checkout.PaymentRequest{\\n  Reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  Amount: amount,\\n  MerchantAccount: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  RecurringProcessingModel: common.PtrString(\\&quot;UnscheduledCardOnFile\\&quot;),\\n  PaymentMethod: checkout.SepaDirectDebitDetailsAsCheckoutPaymentMethod(&amp;sepaDirectDebitDetails),\\n  ShopperInteraction: common.PtrString(\\&quot;ContAuth\\&quot;),\\n  ShopperReference: common.PtrString(\\&quot;YOUR_SHOPPER_REFERENCE\\&quot;),\\n}\\n\\n\\\/\\\/ Send the request\\nservice := client.Checkout()\\nreq := service.PaymentsApi.PaymentsInput().IdempotencyKey(\\&quot;UUID\\&quot;).PaymentRequest(paymentRequest)\\nres, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)&quot;},{&quot;language&quot;:&quot;py&quot;,&quot;tabTitle&quot;:&quot;Python&quot;,&quot;content&quot;:&quot;# Adyen Python API Library v13.6.0\\nimport Adyen\\n\\nadyen = Adyen.Adyen()\\nadyen.client.xapikey = \\&quot;ADYEN_API_KEY\\&quot;\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.client.platform = \\&quot;test\\&quot; # The environment to use library in.\\n\\n# Create the request object(s)\\njson_request = {\\n  \\&quot;amount\\&quot;: {\\n    \\&quot;value\\&quot;: 1000,\\n    \\&quot;currency\\&quot;: \\&quot;EUR\\&quot;\\n  },\\n  \\&quot;paymentMethod\\&quot;: {\\n    \\&quot;type\\&quot;: \\&quot;sepadirectdebit\\&quot;,\\n    \\&quot;storedPaymentMethodId\\&quot;: \\&quot;7219687191761347\\&quot;\\n  },\\n  \\&quot;merchantAccount\\&quot;: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  \\&quot;reference\\&quot;: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  \\&quot;shopperReference\\&quot;: \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;,\\n  \\&quot;shopperInteraction\\&quot;: \\&quot;ContAuth\\&quot;,\\n  \\&quot;recurringProcessingModel\\&quot;: \\&quot;UnscheduledCardOnFile\\&quot;\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payments(request=json_request, idempotency_key=\\&quot;UUID\\&quot;)&quot;},{&quot;language&quot;:&quot;rb&quot;,&quot;tabTitle&quot;:&quot;Ruby&quot;,&quot;content&quot;:&quot;# Adyen Ruby API Library v10.4.0\\nrequire \\&quot;adyen-ruby-api-library\\&quot;\\n\\nadyen = Adyen::Client.new\\nadyen.api_key = 'ADYEN_API_KEY'\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\nadyen.env = :test # Set to \\&quot;live\\&quot; for live environment\\n\\n# Create the request object(s)\\nrequest_body = {\\n  :amount =&gt; {\\n    :value =&gt; 1000,\\n    :currency =&gt; 'EUR'\\n  },\\n  :paymentMethod =&gt; {\\n    :type =&gt; 'sepadirectdebit',\\n    :storedPaymentMethodId =&gt; '7219687191761347'\\n  },\\n  :merchantAccount =&gt; 'YOUR_MERCHANT_ACCOUNT',\\n  :reference =&gt; 'YOUR_ORDER_NUMBER',\\n  :shopperReference =&gt; 'YOUR_SHOPPER_REFERENCE',\\n  :shopperInteraction =&gt; 'ContAuth',\\n  :recurringProcessingModel =&gt; 'UnscheduledCardOnFile'\\n}\\n\\n# Send the request\\nresult = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' =&gt; 'UUID' })&quot;},{&quot;language&quot;:&quot;ts&quot;,&quot;tabTitle&quot;:&quot;NodeJS (TypeScript)&quot;,&quot;content&quot;:&quot;\\\/\\\/ Adyen Node API Library v29.0.0\\nimport { Client, CheckoutAPI, Types } from \\&quot;@adyen\\\/api-library\\&quot;;\\n\\n\\\/\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\nconst config = new Config({\\n  apiKey: \\&quot;ADYEN_API_KEY\\&quot;,\\n  environment: EnvironmentEnum.TEST\\n});\\n\\nconst client = new Client(config);\\n\\n\\\/\\\/ Create the request object(s)\\nconst amount: Types.checkout.Amount = {\\n  currency: \\&quot;EUR\\&quot;,\\n  value: 1000\\n};\\n\\nconst sepaDirectDebitDetails: Types.checkout.SepaDirectDebitDetails = {\\n  storedPaymentMethodId: \\&quot;7219687191761347\\&quot;,\\n  type: Types.checkout.SepaDirectDebitDetails.TypeEnum.Sepadirectdebit\\n};\\n\\nconst paymentRequest: Types.checkout.PaymentRequest = {\\n  reference: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  amount: amount,\\n  merchantAccount: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.UnscheduledCardOnFile,\\n  paymentMethod: sepaDirectDebitDetails,\\n  shopperInteraction: Types.checkout.PaymentRequest.ShopperInteractionEnum.ContAuth,\\n  shopperReference: \\&quot;YOUR_SHOPPER_REFERENCE\\&quot;\\n};\\n\\n\\\/\\\/ Send the request\\nconst checkoutAPI = new CheckoutAPI(client);\\nconst response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: \\&quot;UUID\\&quot; });&quot;}]\" :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Test and go live<\/h2>\n<p>Before accepting live payments, test your integration using the test environment and sample data provided by Klarna.<\/p>\n<p>You can then check the status of Klarna test payments in your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a> &gt; <strong>Transactions<\/strong> &gt; <strong>Payments<\/strong>.<\/p>\n<p>Before going live make sure to enable Klarna Debit Risk on your live merchant account on the <a href=\"https:\/\/ca-live.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>.<\/p>\n<h2 id=\"see-also\">See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/online-payments\/build-your-integration\/advanced-flow\/?platform=Web&amp;integration=API%20only\"\n                        target=\"_self\"\n                        >\n                    API-only integration guide\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/payment-methods\/klarna-debit-risk\/api-only","articleFields":{"description":"Add Klarna Debit Risk to your API-only integration.","never_cache_twig":true,"parameters":{"flow":"Advanced","integration_guide_url":"\/online-payments\/build-your-integration\/advanced-flow\/?platform=Web&integration=API%20only","payment_method":"Klarna Debit Risk","payment_method_type":"directEbanking","payment_method_type_capitalized":"Directebanking","tx_variant":"directEbanking","tx_variant_capitalized":"Directebanking","country_codes":"<strong>AT<\/strong>, <strong>BE<\/strong>, <strong>DE<\/strong>, <strong>NL<\/strong>, <strong>ES<\/strong>, <strong>CH<\/strong>","currency_codes":"<strong>EUR<\/strong>, <strong>CHF<\/strong>","additional_api":"false","api_version":"none","action_type":"<strong>redirect<\/strong>","pm_directory":"klarna-debit-risk","contact":"false"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/payment-methods\/klarna-debit-risk\/api-only","title":"Klarna Debit Risk for API only","content":"You can add Klarna Debit Risk to your existing integration. The following instructions show only what you must add to your integration specifically for Klarna Debit Risk.\nIf an instruction on this page corresponds with a step in the main integration guide, it includes a link to corresponding step of the main integration guide.\nRequirements\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nMake sure that you have an existing API-only integration.\n \n\n\nRedirect handling\nMake sure that your existing integration is set up to handle the redirect.   action.type: redirect.\n\n\n\nSetup steps\n Before you begin, add Klarna Debit Risk in your Customer Area. \n\n\n\nHow it works\n\nThe shopper selects Klarna Debit Risk as the payment method.\nThe shopper enters their details in the payment form that you build. (No details are required for this payment method.)\nWhen you make the payment request, you include additional information about the shopper.\nYour existing integration setup will handle the redirect.\n\nBuild your payment form\nInclude  Klarna Debit Risk in the list of available payment methods. There are no additional fields that you have to include in your form. However, make sure to pass the correct country code of the shopper.\n\nYou can download the logo for Klarna Debit Risk to use in your form.\n\nGet Klarna Debit Risk as an available payment method\nWhen you make the  \/paymentMethods to get available payment methods, specify the following so that Klarna Debit Risk is included in the response.\n\n\n\nParameter\nValues\n\n\n\n\n countryCode\nAT, BE, DE, NL, ES, CH\n\n\n amount.currency\nEUR, CHF\n\n\n\n\n    \n\n\n    \n\nAdd additional parameters to your \/payments request\nYou do not need to add any additional parameters when you make a payment, but make sure to include the following parameters:\n\n\n\nParameter\nRequired\nDescription\n\n\n\n\npaymentMethod.type\n\nSet to directEbanking.\n\n\n returnUrl\n\nURL to where the shopper should be redirected back to after they complete the payment.\n\n\n countryCode\n\nThe shopper's country\/region in a two-letter country code format. Include this in the request to make sure the shopper can proceed in the Klarna flow.\n\n\n shopperLocale\n\nThe language that the Klarna Debit Risk page should be rendered in. The page can be the local language (for example, nl-NL for the Netherlands) or in en-US.\n\n\n shopperEmail\n\nThe email of the shopper. If included, Klarna will pre-fill it if the shopper does not have a Klarna account yet and needs to create one.\n\n\n telephoneNumber\n\nThe phone number of the shopper. If included, Klarna will pre-fill it in the Klarna log-in screen.\n\n\n\nThe following example shows how to make a payment request for 10 EUR for a shopper in Germany, with the Klarna Debit Risk page rendered in German.\n\n    \n\nThe response includes the action.type: redirect.\n\n    \n\nHandle the redirect\n\n\nTo complete the payment, redirect the shopper to the action.url returned in the  \/payments response, taking into account the following recommendations:\n\nWhen using the HTTP GET method:\nFor security reasons, when showing the redirect in the app, we recommend that you use SFSafariViewController for iOS or Chrome Custom Tabs for Android, instead of WebView objects. Also refer to the security best practices for WebView.\nRedirection for mobile integrations:\nFor mobile integrations, we strongly recommended that you redirect the shopper to the default browser of their device. Redirecting to the default browser ensures the best compatibility, handling of multi-factor authentication, app-to-app redirection, and error handling.\n\n\n\nAfter the shopper is redirected back to your website, check the payment result by making a POST  \/payments\/details request, specifying:\n\ndetails: object that contains the URL-decoded redirectResult returned when the shopper was redirected back to your site.\n\n\n\n\nYou receive a \/payments\/details response containing:\n\nresultCode: Use this to present the result to your shopper.\npspReference: Our unique identifier for the transaction.\n\n\n\n\n\n\nShow the payment result\nUse the  resultCode that you received in the  \/payments\/details response to present the payment result to your shopper.\nThe resultCode values you can receive for Klarna Debit Risk are:\n\n\n\nresultCode\nDescription\nAction to take\n\n\n\n\nAuthorised\nThe shopper completed their payment, and it has been sent to the bank for processing. In most cases, this means that you will receive the funds.\nInform the shopper that the payment has been successful.\n\n\nCancelled\nThe shopper cancelled the payment while on their bank's website.\nAsk the shopper whether they want to continue with the order, or ask them to select a different payment method.\n\n\nError\nThere was an error when the payment was being processed.\nInform the shopper that there was an error processing their payment. The response contains a refusalReason, indicating the cause of the error.\n\n\nPending or   Received\nThe shopper has completed the payment but the final result is not yet known.\nInform the shopper that you have received their order, and are waiting for the payment to be completed.  You will receive the final result of the payment in an AUTHORISATION webhook.\n\n\nRefused\nThe payment was refused by the shopper's bank.\nAsk the shopper to try the payment again using a different payment method.\n\n\n\n If the shopper failed to return to your website or app, wait for webhooks to know the outcome of the payment:\n\n\n\neventCode\nsuccess field\nDescription\nAction to take\n\n\n\n\nAUTHORISATION\nfalse\nThe transaction failed.\nCancel the order and inform the shopper that the payment failed.\n\n\nAUTHORISATION\ntrue\nThe shopper successfully completed the payment.\nInform the shopper that the payment has been successful and proceed with the order.\n\n\n\nRecurring payments\nWe support recurring transactions for Klarna Debit Risk through SEPA Direct Debit. To make recurring payments, you need to:\n\nCreate a shopper token.\nUse the token to make future payments for the shopper.\n\n\nWe strongly recommend that you request explicit permission from the shopper if you intend to make recurring SEPA payments. Being transparent about the payment schedule and the charged amount reduces the risk of chargebacks.\n\nCreate a token\nStore SEPA details using a Klarna Debit Risk payment\nWhen creating a token with a Klarna Debit Risk payment, use the standard tokenization parameters in your payment request. You do not need to include any additional parameters.\nInclude the following parameters in your  \/payments request:\n\n\n\nParameter\nRequired\nDescription\n\n\n\n\npaymentMethod.type\n\nSet to directEbanking.\n\n\n returnUrl\n\nURL to where the shopper should be redirected back to after they complete the payment.\n\n\n countryCode\n\nThe shopper's country\/region in a two-letter country code format. Include this in the request to make sure the shopper can proceed in the Klarna flow.\n\n\n shopperLocale\n\nThe language that the Klarna Debit Risk page should be rendered in. The page can be the local language (for example, nl-NL for the Netherlands) or in en-US.\n\n\n shopperEmail\n\nThe email of the shopper. If included, Klarna will pre-fill it if the shopper does not have a Klarna account yet and needs to create one.\n\n\n telephoneNumber\n\nThe phone number of the shopper. If included, Klarna will pre-fill it in the Klarna log-in screen.\n\n\n recurringProcessingModel\n\nThe type of recurring payment the token is intended for.If you want to use the token for more than one type of recurring payment, use the type that is most appropriate at the time of token creation. In subsequent transactions, you can specify another recurringProcessingModel.Possible values:UnscheduledCardOnFile: A transaction that occurs on a non-fixed schedule and\/or have variable amounts.Subscription: A transaction for a fixed or variable amount, which follows a fixed schedule.CardOnFile: A transaction where bank account details are stored to enable one-click or omnichannel journeys, or to offer a faster checkout later. Because of the chargeback risks associated with SEPA Direct Debit, it is not recommended to use SEPA Direct Debit for CardOnFile flows. Because the user is present, it is recommended to let the user authorize individual payments with Klarna Debit Risk.\n\n\n shopperInteraction\n\nIndicates the sales channel through which the shopper authorizes the payment. For online transactions, this is Ecommerce.\n\n\n shopperReference\n\nYour unique reference for the shopper. Do not include personally identifiable information (PII), such as name or email address.Format:Minimum length: 3 characters.Case-sensitive.\n\n\n storePaymentMethod\n\nWhen you first create a token, set to true to store the shopper's payment details. For subsequent payments, this parameter is not required.\n\n\n\n\n    \n\nWhen a token is created, you receive a  recurring.token.created webhook. The webhook contains the storedPaymentMethodId that you can use to make subsequent payments using the stored payment details.\nMake a payment with a token\n\nOnly use tokenised payments in scenarios where the shopper is not present, that is, UnscheduledCardOnFile and Subscription payments.\n\nMake a subscription payment\nMake a subscription payment using the standard tokenization parameters. The payment will be processed as a SEPA Direct Debit payment. You do not need to include any additional parameters.\n\n    \n\nMake an unscheduled card-on-file payment\nMake an unscheduled card-on-file using the standard tokenization parameters. The payment will be processed as a SEPA Direct Debit payment. You do not need to include any additional parameters.\n\n    \n\nTest and go live\nBefore accepting live payments, test your integration using the test environment and sample data provided by Klarna.\nYou can then check the status of Klarna test payments in your Customer Area &gt; Transactions &gt; Payments.\nBefore going live make sure to enable Klarna Debit Risk on your live merchant account on the Customer Area.\nSee also\n\n\n                    API-only integration guide\n                \n","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Payment methods","lvl2":"Klarna Debit Risk","lvl3":"Klarna Debit Risk for API only"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/payment-methods","lvl2":"https:\/\/docs.adyen.com\/pt\/payment-methods\/klarna-debit-risk","lvl3":"\/pt\/payment-methods\/klarna-debit-risk\/api-only"},"levels":4,"category":"Payment method","category_color":"green","tags":["Klarna","Debit"]},"articleFiles":{"payment-methods-request.js":"<p alt=\"\">payment-methods-request.js<\/p>","payment-methods-response.json":"<p alt=\"\">payment-methods-response.json<\/p>","payments-request.js":"<p alt=\"\">payments-request.js<\/p>","payments-response.json":"<p alt=\"\">payments-response.json<\/p>","sepa-create-token-klarna-debit-risk.js":"<p alt=\"\">sepa-create-token-klarna-debit-risk.js<\/p>"}}
