Payment type	Payment on invoice
Description	Klarna enables transactional eCommerce. The merchant is paid by Klarna at the point of sale and the customer forms an agreement with Klarna to pay now at the point of sale (by card) or later (within 14 days) or by instalments (by card).
Currency	AUD, CAD, CHF, DKK, EUR, GBP, NOK, SEK, USD, YEN
Key markets	Sweden, Finland, Norway, Denmark, Germany, Austria, Netherlands, Switzerland, Belgium, France, UK, Italy, Spain, Poland, Hungary, Slovakia, Czech Republic and US.
Key fact	70,000 merchants have used Klarna since its inception.
Payment use case	eCommerce, One-off transactions, instalments and pay later
Benefits	Real-time Gives customers choice and flexibility in how they make a payment
Considerations	The end customer effectively sets up a contractual relationship with Klarna - they are paying Klarna, not the merchant.
Example merchants	ASOS, Spotify, Schuh
Additional facts + figures	Klarna acquired SOFORT in 2013.

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