Klarna started in Stockholm with the goal of making online shopping simpler and safer, pioneering the buy now, pay later concept. Its journey has been a constant evolution from a regional payment processor to a global bank and comprehensive shopping ecosystem that provides financial flexibility to over 150 million consumers worldwide.

The brand’s narrative focuses on the user experience and removing friction at checkout, integrating banking, savings, and rewards services into a single app. By partnering with the world’s largest retailers, Klarna has redefined the relationship between credit and consumption, positioning itself as a modern alternative to traditional credit cards.

In the competitive landscape of checkout optimization and consumer finance, Klarna often operates alongside one-click checkout solutions like Bolt or digital banking giants such as Revolut.

Payment & installment services, financing integration for merchants, consumer-facing BNPL + merchant payment processing tools.