Klarna
Klarna is a European (EEA-based) fintech-infrastructure provider (Lending module, Card issuing software, Payment gateway). Verified at source - licence, regulator and registry reference. Active
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)
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 How we verify → · Spotted something out of date? Report a correction. · Are you Klarna? Work with us →
Official register entries
- Payment institution (PI) - Federal Financial Supervisory Authority · Ref 151788 · Active (EBA PSD2 register, as of 2026-07-18)
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 →
🏦 Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
🏦 Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
IT Card (Warsaw, Poland) - Poland's largest transaction processor (founded 2008); card issuing (1.6m+ cards), 3DS, the Planet Cash ATM network (~7,400) and Planet Pay POS acquiring. Licensed via Planet Pay - National Payment Institution (KNF), Visa Principal Member + Mastercard acquirer - offering 'fintech-in-a-box' BIN sponsorship. Operates PL/CZ/HR; SIBS (PT) took a majority stake (completed 2026). KRS 0000640662.
🏦 Local IBANs: LU
Mangopay (Mangopay S.A., Luxembourg) - marketplace and platform payments with per-user virtual IBANs. EMI, CSSF.
myPOS (founded Varna, Bulgaria 2014; London HQ) - SME card payments for 350k+ merchants across 35+ countries; EMI, Central Bank of Ireland (Dublin) for EU settlement. Being acquired by Advent International (US PE). Bulgarian roots.
🏦 Local IBANs: LT
Paysera (Lithuania; since 2012) - LT IBANs, SEPA, multi-currency accounts and cards. EMI LB000251 (Bank of Lithuania).
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, Card issuing software, Payment gateway. Verified at source by Fintechnologica.