Clothesline in pink sky

Doing our part so you can do yours.

At Klarna, we believe that conscious shopping should be effortless, helping you make better choices.

Purple yoga mat with plants

Sustainability at Klarna.

Supporting you in making conscious everyday decisions while conducting our business responsibly and sustainably.

Water bottle in pink sky

Limiting our carbon footprint.

We want to be part of the solution. That means operating at net-zero and helping the planet reach the same goal.

Boxing gloves

Take control of your finances.

We want to help you save time and money, empowering you to make informed decisions and take control of your finances.

Yellow hat with flowers

Diverse and inclusive.

We believe that diversity and inclusion are key factors in our continued success and aim to become an even more diverse and inclusive company.

Emissions overview phone screen

Conscious shopping made easy.

You don’t have to be an expert to be a more conscious shopper. Let us do the heavy lifting.

Give one logo

Our pledge to the planet.

We’ve committed 1% of all future funding rounds to planet health initiatives, and have already pledged $16.5 million.

Are you looking for relevant documents like the ESG report or our Supplier Code of Conduct? You can find that here.

Sustainability at Klarna.

Supporting you in making conscious everyday decisions while conducting our business responsibly and sustainably.

Our materiality assessment.

To find out how our business impacts global sustainability issues and to consider the impact of these issues, e.g. climate change, on Klarna, we conducted our first materiality assessment in 2021.

Read more about the assessment and our material topics here.

Our approach to sustainability.

Climate change poses one of the most significant challenges for humanity. And as our collective impact on the planet becomes more evident, so do the calls for action. At Klarna, we acknowledge that we’re part of the problem, and that’s why we want to be part of the solution.

We play our part in addressing pressing global issues within our own operations in line with the results from the materiality assessment. But our impact goes beyond our own operations - there is so much more we can do. We aim to play an essential role in providing you with quality unbiased information so you can make informed and responsible purchasing decisions and work collaboratively with our retail partners on ensuring responsible business practices.

Read more here.

Limiting our carbon footprint.

We want to be part of the solution. That means operating at net-zero and helping the planet reach the same goal.

Part of the solution.

Climate change poses one of the most significant challenges for humanity. And as our collective impact on the planet becomes more evident, so do the calls for action. At Klarna, we acknowledge that we’re part of the problem, and that’s why we want to be part of the solution.

Our approach to climate action.

Klarna has opted to follow the WWF and BCG blueprint for corporate climate action. It guides how companies measure and display their emissions, set targets to reduce them, price what is remaining, and contribute financially to effective climate projects.

Read more here.

Our commitment has three broad components.

2025

By 2025, we will ensure that all of our locations use 100% green electricity.

2030

By 2030, we will reduce 50% of our carbon-intensity-based emissions in line with the Paris Agreement.

2040

By 2040, we will operate at net-zero.

The climate pledge logo

Climate Pledge.

Committed to the Climate Pledge. Building momentum around the shift to a decarbonized economy.

Race to zero logo

Race to Zero.

Joined Race to Zero. Cementing our dedication to making meaningful contributions in this space.

Leaders for Climate Action logo

Leaders for Climate Action.

Member of Leaders for Climate Action. Driving climate action to facilitate and scale best practice CO₂ reduction solutions in tech.

Carbon Disclosure Project logo

Carbon Disclosure Project.

Regularly (yearly) submitting to the CDP (Carbon Disclosure Project) project. Gaining valuable insights into where we can improve our carbon reduction efforts.

Putting a price on our emissions.

We have introduced an internal carbon tax, where we tax ourselves for our own carbon emissions and invest that money in high-impact climate projects.

Investing in high-impact projects.

The funds generated by the internal carbon tax are invested into permanent carbon removal projects, reforestation and forest protection, and decarbonization projects among others, through our Climate Transformation Portfolio.

Take control of your finances.

We want to help you save time and money, empowering you to make informed decisions and take control of your finances.

Actions speak louder than words.

We believe you should first and foremost pay with the money you have. Period. But in some situations, credit makes sense, like shopping online where you can’t see or touch the product before purchase.

We want to help you save time and money, empowering you to make informed decisions and take control of your finances. From spending overviews to in-app budgeting tools, Klarna products offer flexibility with a choice of ways to pay, including delaying payment or spreading the cost with no fees or interest over a short period of time - but never revolving credit.

Read more here or check out our Wikipink sites in Swedish or German.

Time for serious change.

We continue to expand our immediate settlement option Pay Now across global markets, because we believe you should first and foremost pay with the money you have.

We have also made a number of changes to make our product offering more sustainable and rolled out our Pink Standards for you in Sweden and Germany. We are planning to set this standard for our products across all markets - up next is the UK and USA.

Pink Standards.

No revolving credit.

We don’t want you to be stuck in a credit trap with high-interest payments and low installments, so we’ve removed our revolving credit-based product. Now, you’re only able to pay for your Klarna purchases in installments based on a predetermined time period.

No extra fees.

We want the total cost of credit to be reasonable and clear and have eliminated upfront and administration fees, so you only have to pay a straightforward, predetermined interest rate on the amount borrowed. We have also removed interest on late payments.

More time to pay.

The 14-day payment time on our invoice wasn’t good enough, so we changed it to 30 days to reduce hassle and unnecessary reminder fees. This means a payment period of 30 days for all free invoice purchases and an extension of the payment period over a normal payroll cycle.

More friendly reminders.

To help you pay for your purchases on time, we introduced an extra friendly reminder the day after the due date, free of charge.

Diverse and inclusive.

We believe that diversity and inclusion are key factors in our continued success and aim to become an even more diverse and inclusive company.

When differences make the difference.

We respect and value differences, and we strive to provide everyone with an equal opportunity workplace that promotes diversity. With employees of more than 100 nationalities, we are proud of our strong cultural diversity.

nationalities working at Klarna

women in our overall workforce in 2021

Conscious shopping made easy.

You don’t have to be an expert to be a more conscious shopper. Let us do the heavy lifting.

The power’s in your hands.

At Klarna, we provide the tools you need to shop smarter. From offering CO₂ insights for all purchases to promoting conscious brands and more sustainable products, we give you the power to shop more consciously than ever before.

Personalized CO₂ insights.

In 2021, we launched the CO₂ Emissions Tracker based on Doconomy’s Åland Index, providing insights into the carbon emissions of all purchases made via the Klarna app. By displaying the kg-CO₂ rating of each transaction, we make it easier for consumers to track their individual footprint–and then take action. The new feature makes CO₂ data accessible on a global scale, making it one of the biggest awareness-raising efforts ever.

Effortless ways to donate.

Enabling conscious shopping is just our default. But sometimes consumers want to go above and beyond–and we’re happy to help. We make donating to the causes they care about frictionless, promoting planet health nonprofits that have been carefully vetted and sourced. So you can make an impact with just the click of a button.

Vote with your wallet.

Want to support more sustainable brands but don’t know where to start? We got you. Wherever you are on your journey to sustainable living, our goal is to provide you with greater transparency about conscious brands and actionable insights to help you make informed shopping decisions.

We’ve already started working towards this goal by curating content in the Klarna app to recognize and promote brands’ efforts towards sustainability.

Encouraging circular shopping.

Rather shop pre-owned? We can help with that, too. We’ve also launched curated Collections content dedicated to pre-owned shopping.

With us, you’ve got options. To incentivize participation in the circular economy, we will add pre-owned products throughout the shopping journey and make it convenient for you to maximize the lifespan of your items.

Our pledge to the planet.

We’ve committed 1% of all future funding rounds to planet health initiatives. We’ve already pledged $16.5 million.

Creating real change, together.

There’s a massive funding gap when it comes to the planet health crisis. To help solve this, we’ve committed 1% of future funding rounds to vetted, high-impact projects through our Give One initiative. But since protecting the planet needs to be a team effort, we’re making it easier for consumers to get involved too.

Read more here.

Our impact framework.

Give One is guided by a framework designed to create real impact. In short, Give One prioritizes initiatives that hold the potential to simultaneously bring social, climate, and biodiversity benefits. Because it’s all connected.

We also aim to empower those closest to environmental challenges. Prioritizing local organizations is often not a given in mainstream funding, so we’ve made it our mission to make sure as much funding reaches local communities as possible.

Following the journey in real-time.

Transparency ensures accountability and brings you closer to the cause. Through our strategic sustainability partner Milkywire, consumers can follow the non-profits’ progress towards their goals in real-time with updates straight from the field.

A board of experts.

To make sure we select the right organizations, we’ve established a Give One advisory board, a small group of experts in their fields who provide the initiative with invaluable scientific knowledge and vast experience in environmental development, preservation, and project financing.

Downloads.