Founded in Stockholm in 2005, Klarna is one of Europe’s fastest-growing companies and offers safe and easy-to-use payment solutions. At the core of Klarna’s services is the concept of after-delivery payment, which lets buyers receive ordered goods before any payment is due. At the same time, Klarna assumes the credit and fraud risk so that retailers can rest assured they will receive their money. Klarna has more than 1,400 employees and is active in 18 markets. In total, Klarna serves 45 million consumers and works with 65,000 merchants, including household names including Spotify, Disney, Samsung, Wish, and ASOS.