Users
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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:
Channels:
Initiation:
Markets
23TPV
$8.8BTransactions
85MEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
PSPs
Schemes
Compliance
Regulator
Federal Reserve Board of Governors








