What is Klarna?
Klarna is your everyday money app, helping you manage spending, payments, and rewards. All in one place.
Built for real life, it gives you flexibility in how you pay, protection when you shop, and smarter ways to get more from everyday spending.
Everyday money simplified
Everyday money simplified
Pay with Klarna everywhere
At checkout
In the app
Everywhere else
Klarna puts safety first
Klarna protects your money and personal information with every purchase.⁷
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
Real reviews from real people
Join 120m people who love to shop and pay with Klarna, rated 4.9 on the App Store and 4.8 on Google Play.
Available on the App Store
Available on Google Play
Klarna is available worldwide
Over 120m customers across 26 countries choose Klarna's flexible payment options, with 3.4 million transactions happening every day.
Frequently asked questions
Klarna is a shopping and payments app built to give you more control over your money. Pay now, or choose to pay later and spread the cost. You can shop at millions of stores worldwide directly through the Klarna app, or use the Klarna Card wherever Visa is accepted. Our memberships unlock more with boosted cashback, travel benefits and subscriptions. One app for everything: discovery, payments, tracking, and returns. Product availability may vary by market.
Yes, Klarna is a fully licensed bank in Sweden and the EU, and follows all local regulations wherever it operates. Trusted by 120m customers and 1.2m+ retailers globally, we've been building safe, secure shopping experiences since 2005. Eligible purchases come with Klarna's built-in Buyer Protection, so if something goes wrong, like an item that doesn't arrive or isn't as described, we've got your back.
To be eligible to use Klarna:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.
¹ Apply in advance for Pay in 4, issued by WebBank, with a service fee between $1.29–$5.99. For example: a $248 purchase with a $62 down payment and $4.99 service fee results in a 35.68% APR, followed by three more biweekly payments of $62 (total repayment: $252.99). Subject to credit approval; minimum 25% down payment required. A higher initial payment may be required for some consumers.
² CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
³ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
⁴ Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.
⁵ “Unlimited 5G” means Klarna mobile plan provides unlimited high-speed 5G data with peak speeds up to 4.2 Gbps and minimum speeds around 300 Mbps—about twice the U.S. average. Other “unlimited” plans often slow to unusable levels after data caps. Actual speeds vary by location, network, and device. A 5G-capable device and AT&T 5G coverage are required. Subject to our Acceptable Use Policy.
⁶ Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
⁷ Exclusions apply. Learn more at https://www.klarna.com/us/buyer-protection/.