”Enough is enough!” - Was the general feeling we had when we founded Klarna in 2005. Sweden had suffered long enough from the lack of any good payment options online. With a bit of luck you'd find that bread machine you'd been looking for, or that copy of half-life 2, at a price most stores couldn't match. But the luck could hit the other way and a dishonest store would make their way off with your bank card information; given that you could only pay by card this happened pretty often. So people weren't really willing to shop online.

This was a real bummer to those of us who love e-commerce. But rather than be bummed out we decided to go out there and do something about it. To get people to dare to shop online. The only problem was how. Our answer to that question was Klarna. To offer a quick, safe and simple service where people can buy what they want, when they want it. All whilst allowing people to receive their products before they pay for them.

“Fakturera mig” became our first payment service, simple, smart and secure. We're now, five years later, immensely popular. Usually we'd never make such a claim, but with more than 6000 connected e-stores and with over 3 million people who have used our services we'd have trouble arguing differently.

Klarna abroad

We might have given off the impression of only caring about e-commerce. This is of course not true. We care about other things as well. Things such as rights. We care enough, in fact, that we thought it'd be a crying shame to deny Norway, Denmark and Finland the right to shop safely online. Given the demand Sweden had showed for safe payment options we figured there would be similar demand in the rest of the Nordic region. We figured correctly. Finland especially had a huge desire for smart payment options, enough for us to decide to open our second set of offices there.

Klarna

If we were to describe Klarna in 60 letters (or 10 words) it'd go as follows: Innovative services making online shopping simpler, safer and more fun.

Who are Klarna?

• We're a Swedish Finance company called Klarna AB.
• We're the Nordic region's leading company for installment and invoice based payment solutions within e-commerce.
• We're a financial institution and are thus registered with Sweden's Financial Supervisory Authority.
• We're also, last but perhaps foremost, certified to deal with personal information, so we can guarantee your privacy, with no exceptions.