Klarna

Klarna is a Swedish payments and shopping company, founded in Stockholm in 2005, that lets consumers pay at partner merchants' checkouts in several ways: pay now in full, pay later after delivery, split a purchase into four interest-free payments, or finance larger purchases over time, depending on the market. Merchants receive full payment upfront while Klarna takes on the credit and fraud risk, integrating through Klarna Payments inside an existing checkout, a full Klarna Checkout, or e-commerce platform connectors such as Shopify Payments. The Klarna app lets shoppers browse deals, see their purchasing power, manage orders, extend due dates and pay balances. Klarna reports around 150 million active consumers and more than 500,000 merchants across 45 countries, and publishes developer documentation at docs.klarna.com.