Klarna
Founded Year
2005Stage
IPO | IPOTotal Raised
$5.898BDate of IPO
9/10/2025About Klarna
Klarna is a financial technology company that provides buy now, pay later services and payment options within the e-commerce industry. The company offers products that enable consumers to make purchases online and pay in installments, as well as tools for secure shopping. Klarna's technology is used by various global retailers. Klarna was formerly known as Kreditor. It was founded in 2005 and is based in Stockholm, Sweden.
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ESPs containing Klarna
The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.
The buy now pay later (BNPL) — B2C payments market offers a flexible payment solution for consumers, allowing shoppers to make purchases and split the cost into multiple installments, typically interest-free. BNPL solutions provide an alternative to traditional credit cards and enable customers to make purchases without upfront payment or the need for a credit check. BNPL solutions typically offer…
Klarna named as Leader among 15 other companies, including Affirm, Synchrony, and Bread Financial.
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Research containing Klarna
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned Klarna in 11 CB Insights research briefs, most recently on Oct 15, 2025.
Oct 15, 2025 report
State of Venture Q3’25 Report
Jul 31, 2025 report
100 real-world applications of genAI across financial services and insurance
Feb 28, 2025
What’s next for AI agents? 4 trends to watch in 2025
May 8, 2024
The embedded banking & payments market map
Expert Collections containing Klarna
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
Klarna is included in 10 Expert Collections, including E-Commerce.
E-Commerce
11,423 items
Companies that sell goods online (B2C), or enable the selling of goods online via tech solutions (B2B).
Store tech (In-store retail tech)
1,874 items
Companies that make tech solutions to enable brick-and-mortar retail store operations.
Fintech 100
1,247 items
250 of the most promising private companies applying a mix of software and technology to transform the financial services industry.
Digital Lending
2,735 items
This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.
SMB Fintech
1,231 items
Payments
3,277 items
Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.
Klarna Patents
Klarna has filed 37 patents.
The 3 most popular patent topics include:
- classification algorithms
- machine learning
- artificial neural networks
Application Date | Grant Date | Title | Related Topics | Status |
|---|---|---|---|---|
4/7/2022 | 8/20/2024 | Social networking services, Machine learning, Classification algorithms, Artificial neural networks, Computational linguistics | Grant |
Application Date | 4/7/2022 |
|---|---|
Grant Date | 8/20/2024 |
Title | |
Related Topics | Social networking services, Machine learning, Classification algorithms, Artificial neural networks, Computational linguistics |
Status | Grant |
Latest Klarna News
Oct 28, 2025
The programme has two tiers: premium, which costs €17.99 a month for a total monthly value of more than €2000 in benefits per year, and Max, which costs €44.99 a month for a total monthly value of more than €5,000 in perks. Members get things like airport lounge access, travel insurance, ClassPass membership, and subscriptions to publications like Vogue, GQ, Headspace, The New York Times, and The Times and The Sunday Times. Members can also convert their Klarna earned cashback directly to travel and hospitality partners, including airlines such Air France-KLM, British Airways, United Airlines, and Turkish Airlines and hotel groups like Accor, IHG Hotels & Resorts, Radisson, Global Hotel Alliance, and Wyndham. David Sandström, chief marketing officer, Klarna, says: “For decades, exclusive perks such as airport lounge access, concierge-style subscriptions, and premium travel insurance were only available to elite credit card holders. Klarna is changing that. Through Klarna memberships, consumers can enjoy travel, lifestyle, and digital experiences in one seamless plan, without the burden of credit-based rewards or hidden costs.”
Klarna Frequently Asked Questions (FAQ)
When was Klarna founded?
Klarna was founded in 2005.
Where is Klarna's headquarters?
Klarna's headquarters is located at Sveavagen 46, Stockholm.
What is Klarna's latest funding round?
Klarna's latest funding round is IPO.
How much did Klarna raise?
Klarna raised a total of $5.898B.
Who are the investors of Klarna?
Investors of Klarna include Santander, Chrysalis Investments, Leading European Tech Scaleups, Sequoia Capital, Commonwealth Bank of Australia and 106 more.
Who are Klarna's competitors?
Competitors of Klarna include Zilch, PayNearMe, Tamara, Waytobill, Bumper and 7 more.
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Compare Klarna to Competitors
PayNearMe is a technology company that operates within the financial services industry, providing a payment processing platform. The platform is designed to accept payments and manage exceptions. PayNearMe serves sectors such as auto and consumer lending, tolling, iGaming, Buy Here Pay Here, banks and credit unions, and mortgage servicing. PayNearMe was formerly known as Handle Financial. It was founded in 2009 and is based in Santa Clara, California.
Pine Labs is a merchant platform that provides payment solutions across various business sectors. The company offers services, including in-store and online payment processing, customer loyalty programs, prepaid and gifting services, and analytics. Pine Labs serves sectors such as electronics, lifestyle, automobile, grocery, healthcare, and hospitality. It was founded in 1998 and is based in Noida, India.
PingPong provides cross-border payment solutions for e-commerce businesses. The company offers services including multi-currency receiving accounts, international supplier payments, and tools for marketplace payouts and foreign exchange cost reduction. PingPong serves the e-commerce industry, offering financial solutions to aid in payment processes. It was founded in 2015 and is based in San Mateo, California.
Previse specializes in financial transaction analytics and AI-driven insights within the fintech industry. The company offers a platform that connects, matches, and monitors data to provide insights for businesses. Previse's solutions cater to enterprises, financial institutions, and fintechs, focusing on automating payment processes, managing credit risk, and improving decision-making. It was founded in 2016 and is based in London, England.
Lemonway is a payment institution that specializes in providing payment processing and wallet management solutions for marketplaces, crowdfunding platforms, and e-commerce websites. The institution offers a modular payment system that enables clients to handle transactions, from collection to disbursement, with a focus on KYC/AML regulatory compliance. Lemonway primarily serves the e-commerce industry, crowdfunding platforms, and other online marketplaces. It was founded in 2007 and is based in Paris, France.
Cellulant develops an electronic payment service connecting customers with banks and utility services to create a payment ecosystem. It offers a single application program interface payments platform that provides locally relevant and alternative payment methods for global, regional, and local merchants. Its platform enables businesses to collect payments online and offline while allowing anyone to pay from their mobile money, local and international cards, and directly from their bank. It was founded in 2004 and is based in Nairobi, Kenya.
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