SwedenFinance & AccountingB2BFor individuals
Klarna
European alternative to Affirm-style checkout — buy-now-pay-later and soft-pos payments from Sweden.
EuroMakers lists Klarna as a European finance & accounting alternative made in Sweden.
Features
What Klarna offers
- Pay later and installments
- One-click checkout experiences
- Merchant payment suite
- Consumer shopping app
- Risk assessment
- Omnichannel payment support
About
Klarna is a Stockholm fintech that popularized flexible payments at checkout, letting shoppers pay later or in installments while merchants get paid upfront. It also offers consumer shopping and banking-adjacent features in many markets.
Klarna is one of Europe's best-known consumer fintech brands and a major payments innovator.
Made in Europe — supporting European innovation and digital sovereignty