Klarna payment services

Klarna is a leading global retail bank, payments, and shopping service that was founded in 2005 in Stockholm, Sweden. The brand's primary mission was to make shopping online simpler and safer by introducing the 'Buy Now, Pay Later' (BNPL) model, which allows consumers to pay for products after a trial period or via interest-free installments.

Today, Klarna operates as a fully licensed bank and provides payment solutions for more than 150,000 merchants across 45+ countries. The brand's products are primarily digital services developed and maintained from its headquarters in Sweden, though it has a massive global workforce across major hubs in Europe and North America. As of 2026, Klarna continues to be a privately held company backed by major venture capital firms and institutional investors, maintaining its independence while revolutionizing the intersection of banking and e-commerce.