Klarna is a guaranteed payment method. Klarna bears the risk of your transactions and assesses disputes based on your adherence to their Scheme Rules.
The Klarna Scheme Rules can be found in the Customer Area on the top right notification icon.
Klarna disputes can be defended via the Customer Area or the Dispute API.
In the Customer Area, the first step of the dispute would be a Request For Information. These can be found under Risk > Disputes > Request For information. Find more information on the reasons and how to defend the Requests for Information.
If the Request For Information does not succeed, a Chargeback would be created, which would be the end of the Klarna dispute flow.