Klarna key facts
Last updated- Legal entity
- Klarna Bank AB
- Headquarters
- Sweden (SE)
- Ownership
- Independent
- Data hosting
- United States
- Infrastructure
- WebBank (for US credit)
- Open source
- No
- US Cloud Act exposure
- Exposed
- Replaces
- Affirm, Afterpay, PayPal Pay in 4, Zip
About Klarna
Klarna is a leading global retail bank, payments, and shopping service. It specializes in 'Buy Now, Pay Later' solutions that allow consumers to split purchases into four interest-free installments, pay after 30 days, or use longer-term financing. The service is integrated directly into merchant checkouts (such as Walmart and Expedia) and is accessible via a standalone mobile app that acts as a shopping hub. Beyond simple payments, Klarna offers a digital 'Klarna Balance' account, a physical and virtual Klarna Card issued via Visa, and integrations with Apple Pay. For businesses, Klarna provides an enterprise-grade payment platform to increase conversion rates. In the US, credit services are often provided in partnership with WebBank, while the company remains headquartered in Europe.
Alternative to
Hosting & Security
WebBank (for US credit)
Key Features
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