It's all about smoooth (yes, with 3 ooo's). Klarna is Europe’s leading payments provider and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, the fintech unicorn gives online consumers the option to pay now, pay later or over time - offering a trusted, frictionless and smoooth checkout experience. Klarna now works with 70,000 merchants, including ASOS, Topshop, JD Sports and more, to offer payment solutions to more than 60 million users in Europe and North America. Klarna has 1,500 employees and is active in 18 countries.