Agent-led commerce from discovery through checkout
Shopping is changing. AI is how people find, compare and buy. Klarna is the layer that connects merchants, AI platforms and payment service providers—so commerce works for everyone, everywhere it happens. We uniquely combine product intelligence across merchants with payment execution built in—independent of any single platform.
120m
global shoppers
100m+
products
500m+
offers
13
global markets
Full shopper journey
From the moment a shopper asks AI what to buy, to the moment they receive it—Klarna is there. Discovery, payment, and everything after, all covered.
Human trust becomes agent trust
120m million shoppers already trust Klarna. As AI agents shop on their behalf, that trust comes with them. When consumers delegate to an agent, they choose brands they already know—that's Klarna.
Built across every protocol
The protocols shaping how agents discover and buy are being written now. Klarna is already live across them—Google's UCP, Stripe's ACP, and beyond. So as platforms adopt agentic capabilities, Klarna's payments are already built in.
End-to-end. Agent led. Frictionless.
From the first search to post-purchase, every step is covered. Klarna's Agentic Product Protocol powers discovery and decision. Our payments infrastructure handles the rest.
Merchants can join at any point in the journey—every integration is built to grow toward the full end-to-end experience. And because Klarna sits across discovery and transaction, every purchase makes the next recommendation smarter—a closed loop that no catalog-only or payments-only provider can replicate.
1. Discover
Agent searches across merchants, compares products, and filters by price, size, availability, and features—powered by structured, AI-readable product data.
2. Decide
Agent analyzes reviews, specs, pricing, and delivery options. It evaluates brand reputation, return policies, and real-time availability to recommend the right product.
3. Transact
Agent executes the purchase: selects the right payment method, applies flexible payment options, and completes checkout inside the AI interface.
4. Post purchase
Built to handle order tracking, returns, refunds, and support—covering the complete lifecycle so the consumer doesn't have to.
Make every product discoverable by any agent
An open standard connecting merchants and AI platforms through structured, real-time product data—so agents can find, compare, and recommend from one source. Compatible with UCP's discovery layer, so your product data works across the protocols shaping agentic commerce.
100m+ products, 500m+ offers, 13 global markets.
Any feed format. Google Merchant, Shopify, Meta Catalog, CSV, JSON.
Connect once, reach all. One integration, every compatible AI platform.
Compatible with UCP's discovery layer—product data works across the protocols shaping agentic commerce.
Flexible payments wherever agents transact
Klarna's flexible payment options are being built into the infrastructure of agentic commerce—so consumers keep choice and control, even when an agent is doing the shopping.
Open checkout protocols
Supporting emerging standards including Google's AP2 and UCP and Stripe’s ACP for secure, interoperable agent checkout.
Vast platform integrations
Klarna already integrates with major payment platforms globally. As they adopt agentic capabilities, Klarna shows up—no new integration required.
Agent-optimized
We deliver high approval rates, real-time underwriting, and complete post-purchase handling—the signals agents rely on to choose a payment provider.
Built on trust and transparency
Personalized by choice
Klarna delivers personalized experiences based on user preferences—built on transparency and trust.
Bank-level protection
Industry-leading protections: bank-level security, encryption, and strict access controls.
Shoppers in control
Shoppers have full control to access, manage, or delete data anytime in the app.
Agentic commerce infrastructure that works for everyone
Merchants
One feed to Klarna. Products discoverable across every major AI platform—with flexible payments. No feed gymnastics, no per-platform setup.
AI platforms
Structured product data enriched with real purchase signals—so agents search, compare, and recommend with intelligence behind every result. Plus trusted payments to complete checkout. One partner for both.
Payment platforms
Extend flexible payments into agentic checkout flows through your existing integration. Klarna is already built into the protocols that will define how agents transact.
Ready to build for agentic commerce?
Whether you're a merchant looking to reach shoppers through AI agents, a platform building agent-driven experiences, or a payment provider preparing for the next generation of checkout—Klarna has the infrastructure to get you there.