Klarna offers services that are designed to simplify and improve your buying experience online.Klarna is one of Europe's largest banks, providing easy to use payment solutions for 60 million consumers and 70. 000 merchants working seamlessly across borders. Klarna offers direct payments, pay after delivery options and installment plans in a smooth and safe purchase experience that lets consumers pay in a simple way when and how they prefer to. Klarna assumes both credit and fraud risk for merchants and consumers throughout the full customer journey. Klarna is active in Europe and US, driven by 1’700 employees. With Klarna you can reach a new audience that only wants to pay after delivery and give your consumers the chance to pay over time - that will increase your order value. By only asking for non-sensitive information – you will increase conversion on all devices. Pay now, Pay later or Slice it For your customers, Klarna provides a simple and attractive checkout choice that gives them the freedom and control to Buy Now, but Pay Later or Slice it (pay over time). The ‘Buy Now, Pay Later, Slice it’ option makes purchasing quicker and easier for your customers because there is no need for them to fill in lengthy personal details or card numbers in order to shop online. Customers make a purchase and then pay later at their convenience Klarna assumes the customer risk, meaning you get paid even if the customer doesn’t pay us. Our technology driven underwriting is better at assessing risk, which means we accept more purchases. To put it another way: better security means better sales figures.