Klarna

🇸🇪 SE

3.4/5· 3,515,659 reviews across 5 portals

Swedish payment gateway with BNPL, installments and EU-regulated banking

EU hostedGDPR

Klarna is a Stockholm-based payment processor offering BNPL, installments and direct payments. It operates as a licensed Swedish bank under EU supervision, with data hosted in the EU/EEA. Features include one-click checkout, fraud protection and e-commerce integrations.

Replaces

Klarna is sought as a European alternative to:

PayPal

Stripe

Features

Payment options

Pay Now (immediate full payment)
Pay Later (up to 30 days)
Pay in 3 installments
Pay in 4 installments
Financing options

Consumer tools

Klarna App for shopping and payments
AI shopping assistant
Klarna Card for in-store and online purchases
Klarna balance account for tracking spending

Merchant solutions

Flexible payment integration for ecommerce
Marketing tools for merchants
No late fees or interest on select payment methods

Pricing

Pricing is not publicly disclosed; rates are negotiated per merchant and stored in Rate Cards linked to Price Plans.

EU Trust Profile

What we verified against public sources, last checked 2026-08-16. Every point links to its evidence.

Local-language support
Spanish support is available via the Klarna app and US site.
Evidence →

We list only what we could verify against a public source on the check date. A point that is absent was not established either way — it is not a finding against the vendor. The vendor's own information prevails.

Work at Klarna?

This badge is free for every vendor we list and has no bearing on the order of any list. It is issued on the basis of a verified European headquarters (SE) and the compliance points we checked against public sources — the date on it is the date we last checked.

Klarna — verified European company on tech-from-europe.eu

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Reviews

Recurring themes, synthesized from public reviews across portals.

What users value

Flexible payment options like Buy Now, Pay Later and installment plans
Intuitive app with clear payment schedules and spending overviews
Simplified checkout process reducing cart abandonment
Integration with over 575,000 retailers
Advanced fraud prevention tools
Helpful payment reminders to avoid missed due dates
User-friendly interface for budget management

Where users see room to improve

· Higher transaction fees compared to competitors
· Delays in transaction processing and fund disbursement
· Limited merchant acceptance

Ratings across portals

Linked facts, we bring ratings from every portal together in one place.

Integrations

ShopifyWooCommerceBigCommercePrestaShopWixSquarespaceSalesforce Commerce Cloud

Feature, pricing and integration details are based on web research (as of 2026-08-08), without guarantee, errors are possible. The vendor's website prevails.