klarna.com llms.txt

llms.txt 8.3 KB, 100 lines

# Klarna

> Klarna is a global digital bank and flexible payments provider. With over 119 million global active Klarna users and 3.4 million transactions per day, Klarna's AI-powered payments and commerce network is […] people to pay smarter with a mission to be available everywhere for everything. Consumers can pay with Klarna online, in-store and through Apple Pay & Google Pay. More than 1m+ retailers trust Klarna's innovative solutions to drive growth and loyalty, including Uber, H&M, Saks, Sephora, Macy's, Ikea, Expedia Group, Nike and Airbnb.
This is Klarna's global index. Product availability, naming, and terms vary by market. The links below point to the US site as the canonical reference. For other markets, see [klarna.com/international](https://www.klarna.com/international/).

## Payments

- [Pay over time](https://www.klarna.com/us/payments/pay-over-time/): Spread the cost of a larger purchase across monthly installments with flexible financing.
- [Pay in 30 days](https://www.klarna.com/us/payments/pay-in-30-days/): Buy now and pay later in one payment, within 30 days of your order shipping.
- [Pay in full](https://www.klarna.com/us/payments/pay-in-full/): Pay the full amount instantly at checkout, with stored cards and buyer protection.
- [Pay in 4](https://www.klarna.com/us/payments/pay-in-4/): Split a purchase into 4 interest-free payments, paid automatically over time. Available as Pay in 3 in some markets.

## Shopping

- [Cashback](https://www.klarna.com/us/cashback/): Earn cashback when you shop at participating stores in the Klarna app, redeemable in your Klarna Personal account.
- [Memberships](https://www.klarna.com/us/memberships/): Paid plans (Core, Plus, Premium, Max) that […] higher cashback, premium cards, subscriptions, and travel and purchase protection.

## Banking

- [Klarna Debit Card](https://www.klarna.com/us/klarna-card/): A debit Visa card linked to your Klarna Personal account, with the option to switch to pay later for individual purchases.
- [Klarna Credit Card](https://www.klarna.com/us/credit-card/): A credit Visa card that lets you choose how to pay for each purchase […] in 4, in full, or over time.
- [Klarna Personal account](https://www.klarna.com/us/klarna-balance/): An in-app account to add funds, receive faster refunds, redeem cashback, and pay with Klarna everywhere.

## Klarna app

- [Klarna app](https://www.klarna.com/us/klarna-app/): The all-in-one money app […] browse and shop stores, pay flexibly anywhere with Klarna, earn cashback, compare prices, track deliveries, store loyalty cards, and chat with the Klarna AI Assistant for shopping help and 24/7 support. Available on iOS and Android.

## Klarna for business

- [Klarna enterprise](https://www.klarna.com/international/enterprise/): Klarna's hub for merchants […] flexible payments, conversion tools (Sign-in with Klarna, on-site messaging, Express checkout), and growth solutions, online and in-store.
- [Marketing solutions](https://www.klarna.com/international/enterprise/marketing-solutions/): Full-funnel, performance-driven advertising that reaches engaged shoppers at the point of purchase.
- [Platforms and partners](https://www.klarna.com/international/enterprise/platforms-and-partners/): Integrate Klarna via Stripe, Adyen, Shopify, Mollie, Worldpay, Checkout.com, Nexi, Worldline, and other PSPs and ecommerce platforms.
- [Merchant sign-up](https://portal.klarna.com/signup/): Self-serve signup for merchants who want to add Klarna without a partner platform.

## Security

- [Security overview](https://www.klarna.com/us/security/): How Klarna protects shoppers […] encryption, two-factor authentication, biometrics and passkeys, real-time fraud monitoring, and instant account controls in the app.
- [Buyer protection](https://www.klarna.com/us/buyer-protection/): Coverage and process for disputes, undelivered orders, damaged goods, and unauthorized purchases.
- [Phishing and scams](https://www.klarna.com/us/phishing-and-scams/): How to identify and report fraudulent communications impersonating Klarna.

## Documentation

- [Klarna Docs](https://docs.klarna.com/): Developer documentation hub for merchants and partners […] integration guides, SDKs, API references, and ready-to-use setups for Stripe, Adyen, Shopify, Mollie, Worldpay, Checkout.com, and direct Klarna integration.
- [Klarna Payments API](https://docs.klarna.com/acquirer/klarna/api/payments/): API reference for creating payment sessions, handling authorizations, and managing orders.
- [Brand guidelines](https://brand.klarna.com/our-brand): Logo, badge, and visual usage rules for partners.

## Resources

- [About Klarna](https://www.klarna.com/international/about-us/): Klarna's mission, leadership, milestones, and global footprint.
- [Help center](https://www.klarna.com/international/customer-service/): 24/7 consumer support via in-app AI assistant and local phone lines.
- [Newsroom](https://www.klarna.com/international/press/): Press releases, company news, brand assets, and media contacts.
- [Investor relations](https://investors.klarna.com/): Earnings, financial reports, SEC filings, and shareholder information for Klarna Group plc (NYSE: KLAR).
- [Sustainability](https://www.klarna.com/international/sustainability/): ESG report, climate and nature funds, and circular-shopping initiatives.
- [Legal](https://www.klarna.com/us/legal/): Terms and conditions, product agreements, and disclosures.

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