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Klarna

Making Flexible Payments Easy and Accessible
Klarna is a top global Buy Now Pay Later (BNPL) provider, operating in more than 17 countries and partnering with over 450,000 merchants. It enables consumers to split purchases into manageable payments, offering convenience and financial flexibility at checkout.
Country:
Sweden
Population (Sweden)
10.5 million (estimated)
Number of Internet users
9.8 million (estimated)
Popular payment methods
Credit cards, debit cards, e-wallets, mobile payments, bank transfers
Credit Card
0%
Debit Card
0%
E-Wallets
0%
Cash Payments
0%
Bank Transfers
0%
Other
0%

Type:
Buy Now Pay Later (BNPL)

Total Customers:
>450,000 merchants worldwide

Currency:
Multiple currencies

Money transfer volume:
>€80 billion

Coverage:
~60-70% of e-commerce platforms in Europe (estimated)

Refunds:
Yes

Chargebacks:
Yes

Type:
Buy Now Pay Later (BNPL)

Total Customers:
>450,000 merchants worldwide

Currency:
Multiple currencies

Money transfer volume:
>€80 billion

Coverage:
~60-70% of e-commerce platforms in Europe (estimated)

Refunds:
Yes

Chargebacks:
Yes

About payment system

Klarna, founded in Sweden in 2005, transformed the e-commerce landscape by introducing interest-free installment payments, giving consumers a flexible way to manage online shopping expenses. Today, Klarna’s solutions are integrated with 60–70% of European e-commerce platforms, making it a dominant force in the region’s digital retail sector.

Having processed over €80 billion in global transactions, Klarna continues to grow its market presence with a strong emphasis on consumer convenience. In addition to its Buy Now, Pay Later (BNPL) model, Klarna offers a variety of services including pay-now and pay-later options, reinforcing its role as a key player in the rise of alternative payment solutions.

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