Klarna

pmt_klarna
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Founded in Stockholm in 2005, Klarna offers merchant checkout and app-based shopping with pay-now, pay-later and instalment options. Its role combines payment choice with approved purchase financing, with repayment schedules and fees varying by market, product and the shopper's offer.

Use cases:
Initiation:
Users
43M
Markets
23
TPV
$8.8B
Transactions
85M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

Capabilities

Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities

Markets

PSPs

Schemes

Compliance

Standards