Provider & methodBNPL, Open BankingSwedenSince 2005Listed Mar 2026klarna.comWebsite
Klarna logo

Klarna

Swedish bank behind pay-in-full, pay-in-30-days, instalment and financing options at checkout, live in 26 countries and offered direct or via PSPs such as Adyen and Stripe.

Klarna is a Swedish buy now, pay later company, set up in Stockholm in 2005 by Sebastian Siemiatkowski, Niklas Adalberth and Victor Jacobsson. Its operating business, Klarna Bank AB (publ), has held a full banking licence from Finansinspektionen since June 2017. The holding company, Klarna Group plc, is registered in England and Wales and floated on the New York Stock Exchange in September 2025 under the ticker KLAR. For 2025 it reported $3.5 billion of revenue, 118 million active consumers and 966,000 merchants.

At checkout Klarna shows up as one payment option. Depending on the country, shoppers can pay in full, pay in 30 days, split the cost into three or four interest-free instalments, or take longer financing. Klarna pays the merchant on a contracted payout schedule and collects from the customer itself. It is live in 26 countries, covering most large EEA markets plus the UK, Switzerland, the US, Canada, Mexico, Australia and New Zealand, and works in 15 currencies.

Merchants can contract with Klarna directly, using its API, web and mobile SDKs, a hosted payment page or plugins for Shopify, WooCommerce, Adobe Commerce and Salesforce Commerce Cloud, or switch it on through a PSP such as Adyen, Stripe, Checkout.com or Worldpay. Klarna publishes no standard rate card for direct merchants; fees are agreed per contract and differ by market. Some PSPs do list Klarna rates: Adyen shows 4.99% + £0.20 in the UK and 4.29% + $0.30 in the US and Canada, before its own processing fee.

Klarna fits consumer-facing retailers, online or in store, that sell into its 26 markets. High-risk sectors are a harder sell: licensed gambling, crypto and other money services are restricted and face extra checks, while unlicensed gambling and financial services are banned. In the UK, interest-free BNPL became regulated credit on 15 July 2026, so Pay in 3 and Pay in 30 days now sit under FCA rules.

What Klarna costs

Klarna quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.

Settlement
Daily, weekly or monthly payouts by contract, after an agreed delay from capture.

Licences and regulation

Authorisations Klarna holds, as published by the provider or regulator. Check the register entry before relying on it.

Finansinspektionen (Swedish FSA)
Bank: licence to conduct banking business under the Banking and Financing Business Act (2004:297), granted 19 June 2017 to Klarna Bank AB (publ); branches notified in DK, FR, IE, DE, GB and IT · Sweden · SE · Org. no. 556737-0431; FI ID 41538
Register
Financial Conduct Authority
Consumer credit authorisation (Klarna Financial Services UK Limited) · United Kingdom · GB · FRN 987889
Register
Financial Conduct Authority
Electronic money institution: payment services and e-money issuance under the EMRs 2011 (Klarna Financial Services UK Limited) · United Kingdom · GB · FRN 1021834
Register
FINMA
Representative office of a foreign bank (Klarna Bank AB (publ), Zurich) · Switzerland · CH
Register
California Department of Financial Protection and Innovation
Money transmitter licence (Klarna Inc.) · United States · US · Licence 2757
Register
California Department of Financial Protection and Innovation
California Financing Law licence (Klarna Inc.); US monthly financing is issued by WebBank · United States · US · CFL 60DBO-44020; NMLS #1353190
Register

What you need to onboard

Bank Statement / Bank Account · Company Details · Director ID · Personal Details · Website Review

Features

Chargeback Management · Fraud Prevention · Multi-Currency · Partial Refund · Recurring Payments · Refunds · Reporting & Analytics · Sandbox / Testing Environment · Tokenisation · Webhook Notifications

What the last check found

Additive pass on an already well-researched listing: six merchant markets it did not have (Croatia, Cyprus, Estonia, Latvia, Lithuania, Malta, Slovakia, Slovenia among them) and the full presentment currency set, from Stripe's Klarna documentation.

Three things from that source worth more than the country count. Availability is not uniform inside the United States: Pay later is unavailable in Montana, New Mexico and Hawaii; Pay in 4 in New Mexico and Hawaii; Financing in Iowa, West Virginia and Massachusetts, and of the US territories only Puerto Rico is supported. Cross-border is bounded by economic area rather than open — an EEA, UK or Swiss business can sell into all three in the customer's currency, while everyone else is confined to their own country and currency. And what Klarna actually offers varies by market: Australia, Norway and Poland get Pay in Full for one-time payments only.

No merchant category rules here: Klarna's eligibility rules sit on a separate compliance page that this pass did not reach, so none are recorded rather than assumed absent.

Checked against Klarna’s own documentation on 19 October 2026. Coverage changes; confirm anything you are about to build on.

Pricing, in detail

Klarna does not publish a standard fee schedule for direct merchants; fees are set in the merchant agreement and vary by market and product, and are deducted from payouts. PSPs that resell Klarna publish their own rates, which vary by country and Klarna product. Examples from Adyen's public price list: UK 4.99% + £0.20; US/Canada and Australia 4.29% + $0.30; Germany/Austria 2.99%; Spain/Italy/France/Portugal 3.99% + €0.20; Netherlands 2.99% + €0.49; each plus Adyen's own processing fee (£0.11/€0.11/$0.13). Third-party claims of 5.99% + $0.30 in the US are unconfirmed.

Is Klarna regulated?

Klarna holds authorisations from Finansinspektionen (Swedish FSA), Financial Conduct Authority, FINMA and California Department of Financial Protection and Innovation. Always check the regulator’s public register before relying on it.

People at Klarna

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Similar to Klarna

Sources · 19

  1. Klarna Docs: Purchase countries, currencies and locales · docs.klarna.comcountriescurrenciesUsed for countries, currencies
  2. Klarna UK: About us · klarna.comcountrieslicensingthe companyUsed for regulation (FCA FRNs), company, 26 countries
  3. Finansinspektionen company register: Klarna Bank AB · fi.selicensingUsed for regulation (bank licence, date, branches)
  4. FCA register: Klarna Financial Services UK Limited · register.fca.org.uklicensingUsed for regulation (GB)
  5. Klarna Switzerland: Impressum · klarna.comlicensingthe companyUsed for regulation (FINMA representative office), company details
  6. California DFPI: Klarna Inc. · dfpi.ca.govlicensingUsed for regulation (US)
  7. Klarna US homepage (footer disclosures) · klarna.comlicensingUsed for regulation (NMLS, WebBank)
  8. Wikipedia: Klarna · en.wikipedia.orgthe companyUsed for company (founding, founders, IPO)
  9. Klarna Group plc: Full Year 2025 results · investors.klarna.comthe companyUsed for company (revenue, consumers, merchants)
  10. Klarna for business · klarna.comUsed for products, PSP partners
  11. Klarna Docs: What is Klarna payments? · docs.klarna.comintegrationsUsed for integrations, payment options
  12. Klarna Docs: Customer token (subscriptions and on-demand) · docs.klarna.comcapabilitiesUsed for features (recurring, tokenisation)
  13. Klarna Docs: Prohibited and restricted businesses · docs.klarna.comwho they onboardUsed for industries, restrictions
  14. Klarna UK merchant support: store activation requirements · klarna.comUsed for onboarding requirements
  15. Klarna merchant support: payout schedule · klarna.comlimits & timingUsed for settlement speed
  16. Adyen: Pricing (Klarna rates via Adyen) · adyen.compricingUsed for fees (PSP reference rates)
  17. FCA: Regulating buy now pay later · fca.org.uklicensingUsed for UK regulatory context
  18. Stripe support: Sofort consolidated into Klarna · support.stripe.commethodsUsed for methods (Sofort status)
  19. Stripe Docs — Klarna payments · docs.stripe.comcountriescurrencieslimits & timingcapabilitiesUsed for the 32 merchant business locations, the 13 presentment currencies, per-country payment options and transaction limits, the US state and territory exclusions, the cross-border rules by economic area, and the 180-day refund windowChecked 19 October 2026

19 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with Klarna before you sign anything. How we compile this · Suggest a correction ·