Klarna
Klarna is a European (EEA-based) fintech-infrastructure provider (Lending module, Payment gateway). Verified at source - licence, regulator and registry reference. Active
Free for buyers: describe your use case and we check it against Klarna and verified alternatives - licence, data residency, fit for your market - then introduce you to the right person. Reply within 1-2 business days.
Who it's for
Klarna is built for products adding credit - financing, instalments or BNPL. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Sweden)
- Ownership / control: no change of control on record
What Klarna does
Capabilities & rails
- Local-payments coverage: Regional / pan-European
- Local payment schemes: Klarna, Swish, MobilePay
- E-commerce integrations: Shopify, WooCommerce, Magento, BigCommerce
Verified licence profile
Klarna Bank AB (publ) (org. 556737-0431) - full banking licence Swedish FSA since 2017 (category 2 institution), passported EEA. BNPL pioneer; rolling out Klarna Card (debit) across 10 EU markets 2025; FCA authorisation UK (Jul 2025). NB: SFSA SEK 500m AML remark/fine 2025.
Verified 2026-06-26. How we verify → · Official website: klarna.com · Spotted something out of date? Report a correction.
Official register entries
- Payment institution (PI) - Federal Financial Supervisory Authority · Ref 151788 · Active (EBA PSD2 register, as of 2026-09-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Timeline
- 2025-07 [licence] FCA authorisation in the UK
- 2025 [penalty] SFSA SEK 500m AML remark/fine
- 2017 [licence] Full banking licence from the Swedish FSA
Similar verified European providers
Full list: Klarna alternatives →
Adyen EU core Bank Netherlands · EEA: YesShared: Payment gateway, Card form: Virtual / Physical
Viva.com EU core Bank Greece · EEA: YesShared: Payment gateway, Card form: Virtual / Physical
Billie EU core Bank Germany · EEA: YesShared: Lending module, Lending: BNPL
Aion Bank EU core Bank Belgium · EEA: YesShared: Lending module
Klix EU core Bank Latvia · EEA: YesShared: Payment gateway
Younited EU core Bank France · EEA: YesShared: Lending module
FAQ
Is Klarna European / EEA-based?
Yes. Klarna hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Sweden.
What does Klarna do?
Klarna covers: Lending module, Payment gateway. Verified at source by Fintechnologica.
Are you Klarna? Work with us →