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Klarna_s
NYSE: KLARUnicorn · $46BStockholm, SE · 57 known investors
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Klarna is a mobile banking and payments platform that offers flexible payment options, shopping features, and financial management tools to millions of users globally through partnerships with thousands of merchants.
Also known as Klarna Bank AB · Klarna Group plc · Kreditor
Founders & leadership
Investors · 57
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Also in the syndicate · 3
Valuation · disclosed
Disclosed eventsSource: SEC prospectus filings, and round valuations the company or its investors disclosed — follow each entry's link for the claim.
Company profile
researched Aug 2026Klarna operates a consumer payments and mobile banking application that lets shoppers choose how they pay at checkout, including an interest-free four-installment option presented with stated terms and payment reminders. Alongside payment options, the app provides spending tracking, money management and budgeting features, and a 24-hour AI assistant for customer questions, with human customer support available as an alternative.
The company's offering also includes transaction safeguards: purchases made with Klarna carry buyer protection, subject to conditions, and are covered by fraud-prevention measures intended to protect customer funds and data. At merchant checkouts, Klarna is identified by a branded payment icon, and the company positions itself as serving both consumers and businesses. Klarna states around 20 years of operating experience, 120 million users worldwide and more than 1.2 million stores.
Business model
Klarna sits between shoppers and merchants: it is integrated into merchant checkouts as a payment method offering deferred and installment payment options, and it also runs a consumer-facing mobile banking app with money management features. Its site distinguishes propositions for consumers and for businesses.
Traction
Klarna reports 120 million users worldwide and more than 1.2 million participating stores, along with a 4.5 out of 5 Trustpilot score across roughly 587,000 reviews.
▸Full profile — market position, technology, go-to-market, geography
Market position
Klarna presents itself as an everyday mobile banking and flexible-payments provider used by millions of shoppers globally and available across a large merchant network.
Technology
A consumer mobile app combining payment options with budgeting and spend-tracking tools, an AI assistant that answers customer queries around the clock, and advanced fraud-prevention systems supporting transaction security.
Go-to-market
Distribution comes primarily through merchant checkout integration, where consumers select Klarna as a payment option, combined with direct app downloads promoted on the company's site and localized market pages.
Retail consumers shopping online and in stores who want flexible payment options and tools to manage spending, and merchants seeking to offer Klarna as a checkout payment method.
Geography
Klarna describes a global user base of 120 million people and operates localized market sites, including a Spanish-language site for Mexico with country-specific credit disclosures and buyer-protection terms.
Compiled by commissioned research from 11 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Related companies · 9
Companies working in the same space as Klarna_s.
Acquisitions · 2
Early investors' stakes continue via these dealsApprl was a Stockholm-based SaaS company that built a social commerce and influencer marketing platform connecting content creators, bloggers, and brands to shoppable content and sales tracking tools.
PriceRunner operated an online price-comparison platform allowing consumers in Sweden, Denmark, Norway, and the UK to compare prices and reviews across millions of products from thousands of online retailers.
Timeline · 18
launches, deals, and filingsA Swedish court ordered Google to pay Klarna $1.97 billion in damages after Klarna won an antitrust case.
$2B source ↗
US dollar-backed stablecoin for everyday and cross-border payments, live on the Tempo blockchain testnet with mainnet launch expected in 2026.
Ordinary shares began trading on the NYSE under ticker KLAR; the offering comprised 34,311,274 ordinary shares at $40.00 per share, of which 5,000,000 were sold by Klarna. The listing valued Klarna at $19 billion and was the largest NYSE IPO of the year.
$1.4B source ↗
Klarna delayed its US IPO plans in April 2025 amid market volatility related to US tariff changes, before relaunching the offering later in the year.
Multi-year agreement under which Nelnet will purchase Klarna's US Pay in 4 loans on an ongoing basis, up to $26 billion in total payment volume, providing off-balance-sheet funding; Klarna continues to originate and service the receivables.
$26B source ↗
Klarna partnered with Clover for in-store BNPL, signed an agreement to serve as Walmart's BNPL provider, and teamed with Marqeta on a debit card.
US subscription service priced at $7.99 per month offering waived One Time Card service fees, rewards points and partner discounts.
Klarna completed the acquisition of the Nordic comparison shopping service PriceRunner, taking full ownership from Creades, Karl-Johan Persson, Eequity, Nicklas Storakers and Mikael Lindahl; 200+ employees joined Klarna.
Klarna launched a physical card in the UK and later a US card product supported by Marqeta.
Acquisition of the Stockholm-based influencer marketing software company as part of expansion into retailer marketing services.
Acquisition of the mobile loyalty card wallet app, later integrated into the Klarna ecosystem.
Ant Financial, the financial affiliate of Alibaba Group, acquired a minority stake in Klarna as part of a partnership.
UK retail finance acquisition strengthening Klarna's position in the United Kingdom.
Klarna received a full banking license from the Swedish Financial Supervisory Authority.
Klarna entered the US market, which became one of its main growth markets.
Acquisition of the German online payments company behind Sofortüberweisung, forming Klarna Group.
Embedded checkout product for online merchants; by 2024 it held about 40% market share in Sweden and over 20% across the Nordics before the business was sold that year.
Klarna acquired Analyzd, an Israeli company specializing in online payments, risk management and fraud prevention.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 11
primary sources listed
- Klarnaklarna.com · web
- Klarna Lands $26 Billion Scalable Funding Round - Finovatefinovate.com · web
11 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Klarna_s do?
- Klarna is a payments and mobile banking app offering flexible checkout options and money-management tools to consumers and merchants.
- Who founded Klarna_s?
- Klarna_s was founded by Sebastian Siemiatkowski, Victor Jacobsson.
- Who are Klarna_s's investors?
- Klarna_s's investors include 3Spoke Capital, Access Ventures (New York), Adit Ventures Management, Llc, Alpha Wave Global, Alstin Capital, Amakor, Axevil Capital, Backstage AB and 46 more.
- Where is Klarna_s headquartered?
- Klarna_s is headquartered in Stockholm, SE.