Klarna

Klarna is a Swedish payments company and licensed bank. Merchants add it as a payment method at checkout, online or in store, and shoppers choose between paying immediately, paying after delivery, or splitting the purchase into installments. Klarna pays the merchant upfront and takes on the credit and fraud risk, then collects from the shopper. For consumers, the Klarna app brings together purchases, payment schedules, delivery tracking and returns, along with shopping and price comparison features. It is used by online retailers and brands that want to offer flexible payment options, and by consumers in Europe, North America and other markets.