How Does Klarna Make Money


(From Payment Provider to Profits)

Klarna is not just a payment provider. It makes money through merchant commissions, interchange fees, interest on customer accounts, and late fees. 

Klarna is a billion-dollar financial technology (fintech) company that offers its customers the buy now pay later (BNPL) option. 

What is Klarna?

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Sebastian Siemiatkowski co-founded Klarna with his friend Niklas Adalbert in 2005. The duo started the company in Stockholm, Sweden, along with Victor Jacobsson.

Klarna’s business model revolves around providing payment solutions to consumers. 

Klarna Business Model

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