Klarna is a shopping and payments platform that enables consumers to pay for purchases in multiple flexible ways, including pay in full, pay in 4 interest-free installments, pay in 30 days, or spread costs over monthly financing. The app serves as a one-stop shopping destination where users can browse products, compare prices across retailers, and manage all their payments in one place.

The platform offers a built-in cashback program where users earn rewards on purchases made through the Klarna app, redeemable on future orders. Price drop notifications allow shoppers to track items and get alerted when prices fall. Buyer protection is included on eligible purchases, giving consumers added confidence when shopping online or in-store.

Klarna is available as a mobile app for iOS and Android, and as a browser extension for Chrome that automatically finds and applies coupon codes at checkout. The Klarna Card allows users to pay at any Visa-accepting location with built-in flexible payment options. Users can track deliveries, manage returns, set spending budgets, and monitor their finances directly within the app.

A premium subscription tier, Klarna Plus, is available for $7.99 per month and provides waived service fees on one-time card purchases, double rewards points, and access to exclusive monthly deals at partner brands. The platform has a community of over 85 million active users across more than 575,000 retail partners in 26 countries, rated 4.2 out of 5 on Trustpilot with over 300,000 reviews.