Klarna Bank AB (publ) is a Swedish regulated bank and payments provider best known for buy now, pay later (BNPL) and merchant checkout solutions. Through the Klarna app and partner integrations, it offers flexible consumer payment options, a digital wallet/balance, cards, savings products, and tools for merchants to increase conversion and manage orders and payouts.

Offerings

For consumers: Pay in 4, Pay in 30 days/Pay in 30, Pay in full (pay now), Pay in 3 (market-dependent), financing/“pay over time”, Klarna Card (Visa), Klarna Balance/wallet, cashback features, peer-to-peer payments, browser extension, savings accounts (flex and fixed/term).

Merchant solutions

Klarna Payments, Klarna Checkout, on-site messaging, Merchant Portal (orders, payouts, disputes), and Sign in with Klarna.