Klarna
Swedish buy-now-pay-later and payments company since 2005
Checkout, instalment payments and shopping tools used by retailers and consumers across Europe and beyond.
About Klarna
Klarna was founded in Stockholm in 2005 and became one of Europe's best-known buy-now-pay-later providers. The company offers pay-in-30, instalment plans and card products integrated into online checkout, plus a consumer shopping app with retailer discovery and order management.
Why consider Klarna
- Widely integrated at European e-commerce checkout
- Flexible payment options including pay later and instalments
- Consumer app for order tracking and retailer browsing
- Strong merchant tools for conversion and payments
- Swedish fintech with long European market presence
Alternatives
Comparable non-European brands
Affirm
United StatesUS instalment lending
Afterpay
AustraliaRetail instalments
PayPal Credit
United StatesDigital wallet credit line
Apple Pay Later
United StatesWallet-embedded instalments
European alternatives
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Brand details
Product categories
Brand ownership
- Klarna Bank AB
Market presence
- E-commerce checkout integrations
- Klarna app in major European markets
- Physical card in selected countries
- Merchant partner network
- Banking services where licensed
Brand timeline
- 2005Founded in Stockholm as Kreditor before rebranding to Klarna
- 2010sExpands across Nordics and major European e-commerce markets
- 2017Acquires BillPay to strengthen German presence
- 2021Raises funding at high valuation amid BNPL growth
- 2023Pursues banking licence consolidation and profitability focus
- TodayMajor European BNPL and shopping payments brand