AtlasPayment MethodsKlarna

Klarna

pmt_klarna

Introduced in 2005, Klarna is a buy-now-pay-later service for installment payments at checkout used primarily in the United States.

BNPL
Use cases:
Channels:
Initiation:
Users
119M
Markets
25
TPV
$150B
Transactions
1.4B

Number of Users

UsersYoY
20222023202420252026Five-year Users and YoY data will appear here

Total Payment Volume

TPVYoY
20222023202420252026Five-year TPV and YoY data will appear here

Markets

Markets and currencies connected to Klarna across consumer, processing and settlement flows.

Market
United StatesUS&C$33B300M32M
GermanyEMEA$15B145M14M
United KingdomEMEA$13B80M11M
FranceEMEA$2.6B25M7.0M
ItalyEMEA$2.8B20M4.0M

Capabilities

How Klarna works across its supported payment flows, normalized to the Atlas capability model.

Processing
ConfirmationInstantDelayed
Clearing ModelReal-timeBatch
System Settlement Timing–
System Interoperability–
Cross-border SupportConditional
Flows
Embedded–
Redirect–
Deep Link–
Offline CompletionConditional
Manual Transfer–
Payment Request–
QRSupported
NFC–
USSD–
Recurring
User-present Repeat–
Merchant-initiated–
Mandate Support/Required–
Credential on File–
Authentication
Online Banking–
App ApprovalSupported
Biometric Authentication–
PIN / Passcode–
One-time Password–
3D SecureNot supported
Authorization
Authorization Hold / Pre-authorization–
Authorization Reversal / Void–
Authorization Adjustments–
Partial Authorization–
Zero-value Verification–
Capture
Separate/Manual Capture–
Partial Capture–
Multiple Partial Captures–
Refunds
Full Refunds–
Partial Refunds–
Multiple Partial Refunds–
Disputes
Chargebacks–
Non-chargeback Dispute Process–
Payment Guarantee–
Funding Sources
Bank Account–
Card–
Stored Balance–
Credit LineSupported
Cash–
Consumer Requirements
Local Bank Account Required–
App / Wallet Account Required–
Phone Number Required–
Supported Bank/Issuer Required–
Merchant Requirements
Local Entity Required–
Local Bank Account Required–
Local Acquiring Required–
Local Processing Required–

PSPs

PSP-specific Klarna implementations, kept separate from the underlying payment method.

No PSP implementations have been mapped for this method yet.

Schemes

Schemes connected to Klarna, using the same four-metric model as the overview.

Scheme

Compliance

Regulators and regulations connected to Klarna.

Regulator(s)
No regulators have been mapped yet.
No regulations have been mapped yet.

Standards

Standards connected to Klarna.

No standards have been mapped yet.
Klarna78.0%
Markets75.0%PSPs0%Schemes0%Compliance0%Standards0%