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Klarna logo — The smart way to shop and pay

Klarna

The smart way to shop and pay

Founded 2005 Sweden Sweden 4488 employees IPO Total: $5.62B E-Commerce, Fintech +1

General Information

Company Name Klarna
Founded Year 2005
Location Sweden Sweden
Founders / Decision Makers
Team member
Employees 4488
Industries E-Commerce, Fintech, Payments
Funding Stage IPO
Business Model B2C, B2B, Embedded Finance
Revenue Model Transaction Fee, Service Fee, Commission
Offices as of Oct 2026
Stockholm, Sweden
Social

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How does Klarna compare?

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A one-page PDF brief: what it does, key facts, the last 90 days of dated moves and questions worth asking. Re-checked on the day you order. See a sample

Recorded by Bounce Watch from public sources. Every entry below carries the date we observed it, and when we have not looked recently the page says so rather than leaving silence to imply nothing happened.

Event Participation Oct 28, 2026

Klarna's Miguel Carmelo will speak at E-Show Madrid on November 4 to discuss scaling ecommerce in Spain.

Product Launch Oct 21, 2026

Klarna has launched Consumer FX, enabling merchants to sell to 120 million global consumers across 26 countries in their own currency.

New Partnership Oct 19, 2026

Klarna announced that it is taking its partnership with Fiserv further, making it available on Fiserv's Commerce Hub.

In The News Oct 15, 2026

Featured on Eu-startups: Is EU Inc in trouble? European innovators warn landmark startup reform is being...

Major Customer Win Oct 15, 2026

Klarna has won Marks and Spencer as a major customer, integrating its interest-free payment solutions for Fashion, Home & Beauty across M&S's online platforms.

In The News Oct 06, 2026

Featured on Sifted: 12 Nordic fintech startups to watch, according to VCs

Get alerts when Klarna shows new signals

AI Insight

Bounce Watch AI
1 day ago

Klarna is demonstrating robust strategic expansion by deepening its partnership with Fiserv and securing Marks & Spencer as a major new customer, significantly increasing its merchant reach and market validation. Concurrently, the launch of Consumer FX marks a notable product diversification into cross-border payments, enhancing value for merchants. This period also highlights Klarna's active advocacy for European startup policy, positioning it as a key influencer in the fintech ecosystem.

Signal Types
Partnership Customer Acquisition Product Launch Market Expansion Policy Advocacy
Strategic Labels
Market Penetration Product Diversification Regulatory Influence
Next Move: Expansion
·
Impact: 9/10
·
Ideal For: Fintech Investors — Growth Stage / IPO

About Klarna

Klarna is an AI-powered global payments and commerce network based in Stockholm, Sweden. It offers payment and financial solutions to online shoppers, physical store consumers, merchants, and individuals seeking budget management and reward programs.

Founded in 2005, Klarna provides flexible payment options, membership plans with benefits, cashback on purchases, expense tracking, financial insights, and shopping discounts. Its business model includes B2C, B2B, and embedded finance approaches, leveraging transaction fees, service fees, and commission as revenue models. Klarna connects consumers and merchants by offering convenient payment solutions and fostering merchant growth.

Business keywords: AI-powered Payments, Commerce Network, Payment Solutions, Consumer Financing, Merchant Growth, Flexible Payment Options, Installment Plans, Regulated Bank, Buy Now Pay Later, Shopping Experience, Cashback Rewards, E-commerce Solutions, Social Shopping, Personal Finances

Services & Products

Flexible Payment Options
Membership Plans with Benefits
Cashback on Purchases
Expense Tracking
Financial Insights
Shopping Discounts

Target Customers

Online Shoppers Physical Store Consumers Merchants Individuals Seeking Budget Management Users Seeking Reward Programs

Funding Rounds & Investors (31)

View All
Funding Stage Amount Investors Lead Investors Date
IPO $1.27B -
02 Sep 2025
Not Funded/Unknown - 2
SoftBank
SoftBank, OpenAI
19 May 2025
Venture Round $4.34M -
13 Dec 2024
Secondary Market Undisclosed 1
Manhattan Venture Partners (MVP)
01 Nov 2023
Venture Round $800.00M 10
Mubadala Commonwealth Bank of Australia Silver Lake
Mubadala, Commonwealth Bank of Australia +8
11 Jul 2022
Secondary Market £6.64M 2
Raison Wealth Crowdcube
Raison Wealth, Crowdcube
10 Dec 2021
Secondary Market $6.00M 1
Arctic Ventures
20 Jul 2021
Venture Round $639.00M 1
BAM Elevate
BAM Elevate
09 Jun 2021
Venture Round $1.00B 10
Northzone Manhattan Venture Partners Permira
Northzone, Manhattan Venture Partners +8
01 Mar 2021
Secondary Market Undisclosed 1
Raison
Raison
28 Dec 2020

View All 31 Funding Rounds

Latest News

View All
Is EU Inc in trouble? European innovators warn landmark startup reform is being stripped of its purp... — Eu-startups
Is EU Inc in trouble? European innovators warn landmark startup reform is being stripped of its purpose
Eu-startups Oct 15, 2026
Wayfair ramps up its Klarna buy now pay later partnership across American and Canadian markets — Retail Technology Innovation Hub
Wayfair ramps up its Klarna buy now pay later partnership across American and Canadian markets
Retail Technology Innovation Hub Oct 07, 2026
Wayfair and Klarna Deepen Ties With More Flexible Payment Options Across U.S. and Canada — Business Wire
Wayfair and Klarna Deepen Ties With More Flexible Payment Options Across U.S. and Canada
Business Wire Oct 06, 2026
12 Nordic fintech startups to watch, according to VCs — Sifted
12 Nordic fintech startups to watch, according to VCs
Sifted Oct 06, 2026
What is the Rhine Group? And how is it addressing Europe’s innovation gap? — Eu-startups
What is the Rhine Group? And how is it addressing Europe’s innovation gap?
Eu-startups Aug 26, 2026
Klarna loses two more senior executives — Sifted
Klarna loses two more senior executives
Sifted Aug 18, 2026

Klarna Alternatives & Competitors

View All Alternatives
Klarna vs
Billease
Billease Philippines

On-demand consumer credit and buy now, pay later app

Series C
369 employees
Finance, Financial Services
Compare Klarna vs Billease
Klarna vs
Quadpay, a Zip company
Quadpay, a Zip company United States

Quadpay, a Zip company, gives savvy shoppers more freedom and flexibility to pay later anywhere with...

Venture round
8 employees
E-Commerce, Fintech
Compare Klarna vs Quadpay, a Zip company
Klarna vs
Simpl
Simpl India

India's Leading 1-tap Checkout Network! #KeepItSimpl

Pre-Seed
446 employees
Big Data, E-Commerce
Also compare with: Klarna vs Flex Pay (formerly Uplift) Flex Pay (formerly Uplift) Klarna vs Smartpay Smartpay View all alternatives

FAQ About Klarna

The smart way to shop and pay
Klarna was founded in 2005.
Klarna is headquartered in Sweden. As of Oct 2026, it also has offices in Stockholm, Sweden.
Klarna operates in E-Commerce, Fintech and Payments. Its work centres on AI-powered Payments, Commerce Network, Payment Solutions and Consumer Financing. Its customers include Online Shoppers, Physical Store Consumers and Merchants.
Klarna has a B2C, B2B and Embedded Finance business model. Its revenue comes from Transaction Fee, Service Fee and Commission.
Klarna has approximately 4488 employees.
Klarna has completed 31 funding rounds, raising a total of $5.62B. The latest funding stage is IPO.
Klarna offers: Flexible Payment Options, Membership Plans with Benefits, Cashback on Purchases, Expense Tracking, Financial Insights, Shopping Discounts.
Top alternatives and competitors to Klarna include Billease, Quadpay, a Zip company, Simpl, Satispay, Flex Pay (formerly Uplift). These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Klarna and Billease are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Klarna, https://bouncewatch.com/company/klarna, updated 30 October 2026. When citing, please name BounceWatch and link this page.

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