Klarna
#8 in Online Payment · Rated 4.0
BNPL and payments network powering flexible checkout
Klarna combines BNPL financing with a broad payments network, offering Pay in 4, Pay in 30, and Pay Over Time, plus connections to Apple Pay, Google Pay, and Klarna’s own card/One-Time Card. Klarna is expanding globally, including in-store and online channels, and has pursued high-profile partnerships and an IPO. Pricing for merchants varies by product and region; BNPL fees are typically higher than standard card processing but can improve average order value and conversions. Klarna has grown rapidly in the US and Europe and went public in 2025, reinforcing its place as a leading BNPL player with ongoing investment in AI and product expansion. Klarna’s HQ is in Stockholm, Sweden, with a significant US presence and a growing UK footprint.
Features
- Pay in 4 and Pay in 30 BNPL plans
- Pay Over Time financing
- Klarna app for consumer experience
- One-Time Card and Apple/Google Pay integration
- Merchant dashboard and analytics
Pros
- Can boost average order value and conversions
- Strong consumer trust in BNPL and wallet integrations
- Global merchant network and partnerships
Cons
- BNPL pricing can be higher than card processing
- Credit and financing risk borne by Klarna for standard offerings