Klarna

Klarna delivers safe, flexible payment solutions for shoppers and merchants across 30+ markets, combining Buy Now Pay Later, instant one-click checkout, and a built-in shopping app. Consumers split purchases into interest-free installments or pay later, while merchants gain higher conversion and average order value through a familiar, trusted checkout experience.

Behind the scenes, Klarna operates as a fully licensed Swedish bank (Klarna Bank AB), handling underwriting, fraud checks, and settlement in real time. Merchants integrate through Klarna's developer APIs, hosted checkout, and plug-ins for every major ecommerce platform, and connect to the Klarna app's 150+ million active shoppers.

Key benefits:

• Pay in 3 or 4 installments raises conversion without merchant credit risk
• One-click checkout reduces cart abandonment with passwordless flows
• Klarna shopping app drives discovery for partnered merchants
• Licensed EU bank handles settlement, compliance, and consumer protection
• Merchant APIs and plug-ins integrate with Shopify, Magento, WooCommerce
• Marketing solutions promote offers to a 150M+ shopper audience

Headquartered in Stockholm, Sweden and founded in 2005, Klarna is a publicly listed, fully regulated European bank subject to EU banking supervision, PSD2, and GDPR. Consumer and transaction data is governed under Swedish and EU law rather than US financial or surveillance regimes, giving merchants a sovereign alternative to US-based BNPL providers.

Trusted by retailers including H&M, IKEA, Sephora, Nike, and hundreds of thousands of smaller European merchants seeking a trusted checkout partner.