
Klarna
Founded Year
2005Stage
Corporate Minority - V | AliveTotal Raised
$4.298BValuation
$0000Last Raised
$26.5M | 6 mos agoRevenue
$0000Mosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
+42 points in the past 30 days
About Klarna
Klarna provides payment solutions and shopping services. The company offers price comparison, installment payments, and consumer financing for online shopping. Klarna serves the ecommerce industry, providing services to both consumers and 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 PayPal, Affirm, and Synchrony.
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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 15 CB Insights research briefs, most recently on Feb 28, 2025.

Feb 28, 2025
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Dec 10, 2024 report
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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 11 Expert Collections, including E-Commerce.
E-Commerce
11,245 items
Companies that sell goods online (B2C), or enable the selling of goods online via tech solutions (B2B).
Store tech (In-store retail tech)
1,809 items
Companies that make tech solutions to enable brick-and-mortar retail store operations.
Unicorns- Billion Dollar Startups
1,270 items
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
2,577 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
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 | Machine learning, Classification algorithms, Computational linguistics, Artificial neural networks, HTML5 | Grant |
Application Date | 4/7/2022 |
---|---|
Grant Date | 8/20/2024 |
Title | |
Related Topics | Machine learning, Classification algorithms, Computational linguistics, Artificial neural networks, HTML5 |
Status | Grant |
Latest Klarna News
Apr 10, 2025
Auf Europas etablierte Banken kommen laut einer Analyse der Unternehmensberatung Strategy& härtere Zeiten zu. Die Finanzfachleute sehen dafür zwei Ursachen: das Ende der Sonderkonjunktur für die Finanzbranche, die nach der Zinswende 2022 einsetzte, und das Erstarken der digitalen Neobanken, die die etablierten Platzhirsche herausfordern. Strategy& ist Teil der internationalen Wirtschaftsprüfungsgesellschaft PwC, Gegenstand der Studie waren ausschließlich die Privatkundenbanken. Gute Zeiten für die Etablierten nähern sich dem Ende Im vergangenen Jahr sind die Gewinne der europäischen Geldinstitute demnach im Schnitt noch einmal um vier Prozent gestiegen, bedingt durch die höheren Zinsen. Doch auch die Kosten haben um 3 Prozent angezogen, und die Phase des zinsbedingten Rückenwinds nähert sich nach Einschätzung der Autorinnen und Autoren ihrem Ende. Herausforderer werden größer und größer Gleichzeitig werden die sogenannten Neobanken und Zahlungsdienstleister größer, die unter Verzicht auf Geschäftsstellen ausschließlich digital aktiv sind. Mehrere dieser Unternehmen haben sich zu internationalen Größen mit Kundenzahlen in zweistelliger Millionenhöhe entwickelt. Als ein Beispiel wird in der Studie der schwedische Zahlungsdienstleister Klarna genannt, der über eine Banklizenz verfügt, nach Unternehmensangaben mittlerweile 93 Millionen Nutzer hat und in 26 Ländern aktiv ist. Die Strategy&-Fachleute erwarten, dass die größten Neobanken noch weiter wachsen und die etablierten Geldhäuser bedrängen werden. ... sind aber weniger profitabel Auf der anderen Seite sind die traditionellen Banken der Analyse zufolge immer noch weit profitabler als die digitalen Konkurrenten, obwohl jene teure Geschäftsstellennetze unterhalten. Die profitabelste Neobank erwirtschaftete der Analyse zufolge im vergangenen Jahr im Schnitt lediglich 208 Euro Ertrag pro Kunde. Zum Vergleich: Deutsche Privatkundenbanken erzielten demnach im Schnitt mit jedem Kunden einen mehr als dreimal so hohen Ertrag, nämlich 668 Euro. @ dpa.de
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 Corporate Minority - V.
How much did Klarna raise?
Klarna raised a total of $4.298B.
Who are the investors of Klarna?
Investors of Klarna include Chrysalis Investments, Leading European Tech Scaleups, Sequoia Capital, Commonwealth Bank of Australia, BESTSELLER and 69 more.
Who are Klarna's competitors?
Competitors of Klarna include Waytobill, Atome, ToneTag, Tabby, Solaris and 7 more.
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Compare Klarna to Competitors

Stripe provides services for businesses to manage online and in-person payments. It offers products including payment processing application programming interfaces (APIs), payment tools, and solutions for handling subscriptions, invoicing, and financial reports. It serves sectors such as electronic commerce (e-commerce), Software as a Service (SaaS), platforms, marketplaces, and the creator economy. It was formerly known as DevPayments. It was founded in 2010 and is based in South San Francisco, California.
PayNearMe develops technology to facilitate the end-to-end customer payment experience. It offers a billing and payment platform. Its platform helps users pay with cash for a range of goods and services from companies in e-commerce, property management, consumer finance, and transportation, enabling businesses and government agencies as well as retail stores to digitize cash collection processes. PayNearMe was formerly known as Handle Financial. The company 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.

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.

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.

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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