Klarna payment service

Klarna is a world-renowned fintech company that revolutionized the e-commerce industry with its 'Buy Now, Pay Later' (BNPL) model. Founded in 2005 in Stockholm, Sweden, by Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson, the company originally operated under the name Kreditor before rebranding to Klarna in 2010. The brand's pink identity and 'smoooth' marketing campaign have since become iconic in the digital payments space.

As a digital service, Klarna does not have a traditional manufacturing country; instead, its platforms are developed and maintained across a global network of technology hubs, primarily in Sweden, Germany, and the United States. In 2017, the company secured a full banking license, allowing it to expand beyond simple credit into comprehensive digital banking services.

By 2026, Klarna has transitioned into a public company after a successful IPO on the New York Stock Exchange in late 2025. While it is now publicly traded, major original stakeholders like Sequoia Capital and founder Sebastian Siemiatkowski remain influential. The company is currently headquartered in Stockholm, Sweden, and continues to be the dominant BNPL provider across Europe and North America.