tech from europe
Payment Processing & Gateways

Klarna

🇸🇪 SE

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

EU hostedGDPR
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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:

AdyenAdyenPayPalPayPalStripeStripe

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

0 of 9 criteria verified with evidence, last checked 2026-08-08. Every ✓ links to its source.

  • Data Processing Agreement (DPA)not verified
  • Trust center / security pagenot verified
  • EU data residencynot verified
  • Public sub-processor listnot verified
  • ISO 27001not verified
  • SOC 2not verified
  • BSI C5not verified
  • TISAXnot verified
  • German-language supportnot verified

    German-language customer support is available.

Verified means: the claim was publicly documented at the linked source on the check date. The vendor's own information prevails.

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

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.