{"id":48301,"date":"2025-08-29T14:44:07","date_gmt":"2025-08-29T13:44:07","guid":{"rendered":"https:\/\/www.nimbleappgenie.com\/blogs\/?p=48301"},"modified":"2025-09-01T13:13:04","modified_gmt":"2025-09-01T12:13:04","slug":"how-does-klarna-make-money","status":"publish","type":"post","link":"https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/how-does-klarna-make-money\/","title":{"rendered":"Klarna Business and Revenue Model"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Klarna has become one of the most popular BNPL apps in the world. With more than 180 million users globally, it allows people to pay later, split bills, or shop without paying instantly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Every day, Klarna handles more than 2 million transactions that help stores manage their money while enjoying what they love. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Its secret? It&#8217;s a clever business model that earns from both shoppers and the stores they buy from.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, if you\u2019re curious about how a simple idea like buy now, pay later turned into a global fintech powerhouse, this blog is for you! <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This blog will break down Klarna&#8217;s business and revenue model and what makes it one of the fastest-growing fintech companies.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Overview-of-Klarna-Application\"><\/span>Overview of Klarna Application<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Klarna is a BNPL app, or buy now pay later app, that started in Sweden in 2005. Today, it is used by more than 180 million people in 45 countries (now 26) and works with 500,000+ stores.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It easily tracks deliveries of your online orders, saves products you like in a wish list, and gets alerts about price drops. It is one of the <\/span><b>best buy now, pay later apps <\/b><span style=\"font-weight: 400;\">so far. Additionally, the app allows you to shop online and pay in different ways.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay Now, which means to pay the full amount right away.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay Later means you get the product and pay within 30 days.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay in 3 or 4 parts means splitting your bill into smaller payments over weeks or months.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The financing option means longer monthly plans with interest.\u00a0\u00a0\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<p><em><strong><u>Facts About Klarna<\/u><\/strong><\/em><strong> :<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Headquarters: Stockholm, Sweden<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Founded: 2005<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Users: 150+ million worldwide\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Merchants: 500,000+<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valuation: Once around $45.6 billion in 2021, but dropped to about $6.7 billion in 2022 after market changes.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Klarna makes money by charging stores a small fee when people purchase through Klarna.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Market-Statistics-and-Facts-About-the-Klarna-BNPL-App\"><\/span>Market Statistics and Facts About the Klarna BNPL App<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you know about the Klarna app, it is vital to be well-versed in Klarna <\/span><a href=\"https:\/\/www.nimbleappgenie.com\/blogs\/bnpl-statistics\/\" target=\"_blank\" rel=\"noopener\">BNPL statistics<\/a><span style=\"font-weight: 400;\"> and facts in the section below.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-48302 aligncenter\" src=\"https:\/\/www.nimbleappgenie.com\/blogs\/wp-content\/uploads\/2025\/08\/Growth-of-Klarna-Customers-in-the-US.png\" alt=\"Growth of Klarna Customers in the US\" width=\"720\" height=\"514\" srcset=\"https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/Growth-of-Klarna-Customers-in-the-US.png 720w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/Growth-of-Klarna-Customers-in-the-US-300x214.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Klarna had more than <\/span><a href=\"https:\/\/investors.klarna.com\/overview\/default.aspx\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><span style=\"font-weight: 400;\">111 million active users<\/span><\/a><span style=\"font-weight: 400;\"> across the globe in 2025. The best part is that the millennials and Gen Z are the majority of users. It is projected that Klarna&#8217;s customers in the US will be 49.3 million by 2026. It partners with 720,000 merchants worldwide. The UK alone is projecting about 60,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It partners with around <\/span><a href=\"https:\/\/finovate.com\/klarnas-growth-and-losses-send-mixed-signals\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><span style=\"font-weight: 400;\">720,000<\/span><\/a><span style=\"font-weight: 400;\"> merchants globally, with the UK alone accounting for about 60,000. In 2024, the UK user base rose to <\/span><a href=\"https:\/\/www.klarna.com\/international\/press\/klarna-hits-11-million-uk-customers-as-uk-revenue-soars-30-in-breakout-2024\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><span style=\"font-weight: 400;\">11 million<\/span><\/a><span style=\"font-weight: 400;\">, with merchant adoption nearly doubling year-over-year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Klarna processes roughly <\/span><a href=\"https:\/\/analyzify.com\/statsup\/klarna\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><span style=\"font-weight: 400;\">2.5 million<\/span><\/a><span style=\"font-weight: 400;\"> transactions daily. If we look at the revenue earned, in 2023, Klarna\u2019s revenue was approximately <\/span><a href=\"https:\/\/investors.klarna.com\/News--Events\/news\/news-details\/2024\/Klarna-reports-full-year-2023-earnings-growing-GMV-and-approaching-annual-profitability\/default.aspx\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><span style=\"font-weight: 400;\">$2.26 billion<\/span><\/a><span style=\"font-weight: 400;\">. In the first half of 2024, it was around $1.24 billion, which is 27%. However, it is projected that by 2025, the revenue will increase by 26%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Klarna leads BNPL globally with about 45% market share in 2024. BNPL accounted for about 6% of US e-commerce orders and 5% globally in 2024. Klarna is a widely used BNPL app.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-Are-the-Components-of-Klarna\"><\/span>What Are the Components of Klarna?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Klarna&#8217;s shop now pay later service has different parts that help people shop more easily and pay in ways that suit them. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each part makes buying easy, giving customers more time to pay, and helps stores get their money safely. Below are the major components that many <\/span><b>best apps like Klarna<\/b><span style=\"font-weight: 400;\"> offer.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-48311 aligncenter\" src=\"https:\/\/www.nimbleappgenie.com\/blogs\/wp-content\/uploads\/2025\/08\/What-Are-the-Components-of-Klarna.webp\" alt=\"What Are the Components of Klarna\" width=\"900\" height=\"500\" srcset=\"https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/What-Are-the-Components-of-Klarna.webp 900w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/What-Are-the-Components-of-Klarna-300x167.webp 300w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/What-Are-the-Components-of-Klarna-768x427.webp 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<h3>\u25ba Pay Later<\/h3>\n<p><span style=\"font-weight: 400;\">With this option, customers can buy something immediately, but do not have to pay right away. Instead, customers get a 30-day relief to make the payment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if the payment is not made within the due time, Klarna charges interest on the number of days of delay in payment. This is really helpful for people who do not want to spend money at once.\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h3>\u25ba Pay in Installments<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna allows customers to split the total amount into 3 or 4 smaller payments. These payments are made every two weeks or every month, depending on the plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you buy something worth $200, you can pay $50 each time until it is complete. The best part is that these installments usually do not include any extra fees if paid on time.\u00a0<\/span><\/p>\n<h3>\u25ba Financing Plans<\/h3>\n<p><span style=\"font-weight: 400;\">For bigger purchases, Klarna offers long-term financing. It means customers can spread the payments over many months. In some cases, interest may apply. But it still gives customers more flexibility to buy expensive products without paying all at once.\u00a0<\/span><\/p>\n<h3>\u25ba Klarna Card<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna also provides a physical or virtual card that works like a regular debit or credit card, but with Klarna\u2019s BNPL features.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Customers can use it in physical stores or online shops, even if those stores are not direct Klarna partners. This extends Klarna\u2019s service to more places and makes it more useful in daily life.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-Does-the-Klarna-App-Work-BNPL-Business-Model\"><\/span>How Does the Klarna App Work: BNPL Business Model<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Once you know the components of Klarna, it is clear that its payment mode has different versions. Klarna allows people to pay later, split payments into smaller parts, and use longer financing. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Klarna&#8217;s business model is based on helping people shop more, while making it safe and profitable for stores. Let\u2019s now understand the business model of Klarna.<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-48310 aligncenter\" src=\"https:\/\/www.nimbleappgenie.com\/blogs\/wp-content\/uploads\/2025\/08\/How-Does-the-Klarna-App-Work-BNPL-Business-Model.webp\" alt=\"How Does the Klarna App Work BNPL Business Model\" width=\"900\" height=\"500\" srcset=\"https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/How-Does-the-Klarna-App-Work-BNPL-Business-Model.webp 900w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/How-Does-the-Klarna-App-Work-BNPL-Business-Model-300x167.webp 300w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/How-Does-the-Klarna-App-Work-BNPL-Business-Model-768x427.webp 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<h3>\u2666 How Klarna Works?<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna works as a link between customers and stores. It is vital to know that customers have to do <\/span><b>KYC in fintech apps<\/b><span style=\"font-weight: 400;\"> like Klarna. When customers buy something online or in a store and choose Klarna, they pay the store right away.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The customer then pays Klarna later. They can either pay the full amount after 30 days or split it into smaller payments. If the customer does not pay on time, Klarna may charge a late fee.\u00a0<\/span><\/p>\n<h3>\u2666 What Klarna Offers? (Value for Customers)<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna gives customers different ways to pay. They can buy now and pay later, pay in a few small instalments, or use longer financing options. The last one is just for the expensive products only.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Klarna app helps customers track their orders, save their favorite products, and get notifications when prices drop. It also offers a card that brings <\/span><a href=\"https:\/\/www.nimbleappgenie.com\/blogs\/bnpl-integration\/\" target=\"_blank\" rel=\"noopener\">BNPL integration<\/a><span style=\"font-weight: 400;\"> to stores that do not directly partner with the service. This makes it convenient for shopping anywhere.\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h3>\u2666 Value For Stores<\/h3>\n<p><span style=\"font-weight: 400;\">Stores also benefit from Klarna because it is the only one that gives customers a BNPL option. They get their money instantly, so they do not have to wait for customers to pay.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When stores provide the Klarna payment mode, it attracts more and more people to shop. Stores can also showcase their products inside the Klarna app, which helps it reach millions of customers.\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h3>\u2666 Key Resources<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna depends on its technology to manage payments, check for fraud, and run the app. It also uses data to understand customer behaviour and reduce risk.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is vital to know that partnerships with banks, card networks, and online stores are essential. Lastly, Klarna\u2019s trust and reputation are key, since people and stores need to feel safe using it.\u00a0<\/span><\/p>\n<h3>\u2666 Key Activities<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna does many things every day to keep its business running. It manages payments, checks credit, detects payment fraud, and supports customers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It also updates the app, works with new stores, runs marketing campaigns, and follows financial rules in different countries. To stay updated, Klarna follows the <\/span>latest <a href=\"https:\/\/www.nimbleappgenie.com\/blogs\/bnpl-trends\/\" target=\"_blank\" rel=\"noopener\">BNPL trends<\/a><span style=\"font-weight: 400;\"> like providing flexible instalment options and using AI to make smart credit decisions.\u00a0\u00a0<\/span><\/p>\n<h3>\u2666 Partnerships<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna works with banks, card networks like Visa, and online platforms like Shopify. It also partners with giant stores like eBay, Nike, Walmart, and IKEA. These partnerships help Klarna reach more users and earn trust.\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-Does-Klarna-Make-Money-Revenue-Models\"><\/span>How Does Klarna Make Money: Revenue Models<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So how does Klarna make money? Well, Klarna generates revenue in many different ways. The main ways are interest charges, late payment fees, fees from merchants, and payments made using Klarna cards in stores. So, let\u2019s understand the Klarna revenue model below.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-48309 aligncenter\" src=\"https:\/\/www.nimbleappgenie.com\/blogs\/wp-content\/uploads\/2025\/08\/How-Does-Klarna-Make-Money_-Revenue-Models.webp\" alt=\"How Does Klarna Make Money_ Revenue Models\" width=\"900\" height=\"500\" srcset=\"https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/How-Does-Klarna-Make-Money_-Revenue-Models.webp 900w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/How-Does-Klarna-Make-Money_-Revenue-Models-300x167.webp 300w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/How-Does-Klarna-Make-Money_-Revenue-Models-768x427.webp 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<h3>\u27a4 Merchant Fees<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna makes most of its money through fees paid by merchants, or the stores that sell products. When a customer buys something using Klarna\u2019s BNPL option, the merchant pays Klarna a fee. It is usually between 3% to 6% of the sale price.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is higher than regular credit card fees, which are typically between 1.5% to 3%. So why do stores agree to pay these higher fees? The reason is very simple. Klarna helps them sell more. Stores see a major increase in how much people spend.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is sometimes by 20% to 30% or more, they get more customers completing their purchases, with up to 44% higher conversion rates. For many online stores, the extra sales and customers make the higher fees worth it.\u00a0<\/span><\/p>\n<h3>\u27a4 Customer Interest and Late Fees<\/h3>\n<p><span style=\"font-weight: 400;\">You might be wondering how Klarna makes money besides merchant fees. Well, Klarna makes money from some of its services that involve payments over time.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For instance, while the pay in 4 plan, which splits payments into four parts, does not charge interest, Klarna does make money from longer payment plans. These plans allow customers to pay over six months to three years, but they come with interest charges.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the customer misses a payment deadline, Klarna also charges a late fee, which adds to its revenue. Additionally, for those who choose longer financing options, Klarna charges interest on those payments, which can add up over time.\u00a0<\/span><\/p>\n<h3>\u27a4 The Klarna Card<\/h3>\n<p><span style=\"font-weight: 400;\">In 2022, Klarna surprised many by launching a physical payment card. Even though online shopping is booming, about 80% of shopping still happens in regular stores. The Klarna card brings Klarna\u2019s pay-later feature to these physical stores.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The card works like a normal credit card but follows Klarna\u2019s BNPL model. Customers can split their payments into four parts through the Klarna app. This has created new ways for Klarna to earn money.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interchange fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Subscription fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreign exchange fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ATM withdrawal fees<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The most important part of the Klarna card is that it allows customers to use BNPL anywhere that accepts credit cards. It is not only limited to online stores, but offline stores also allow this payment mode.\u00a0<\/span><\/p>\n<h3>\u27a4 Shopping App<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna&#8217;s next revenue model is a shopping app. It has turned its payment service into a full shopping application with more than 18 million active users every month. It is very similar to how other companies grew beyond their original services to provide more value.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Klarna app makes money in many different ways. For instance, merchants pay for premium placement to get more visibility, and stores pay for targeted ads to reach the right customers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Besides, Klarna earns commission from stores when users buy items through the app.. This model works best because the more users join the app, the more merchants want to be part of it. More merchants mean more products and better prices.\u00a0\u00a0<\/span><\/p>\n<h3>\u27a4 Banking Services<\/h3>\n<p><span style=\"font-weight: 400;\">Klarna has expanded into banking to provide more financial services to its customers. Using its technology and large customer base, Klarna has developed a banking platform in Europe that includes savings accounts with good interest rates.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, debit cards that are connected to your account, and affordable international money transfers. Klarna makes money from its banking service like a premium service, for extra features, and from fees from debit card transactions.<\/span><\/p>\n<p><a href=\"https:\/\/www.nimbleappgenie.com\/request-a-quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-48295 aligncenter\" src=\"https:\/\/www.nimbleappgenie.com\/blogs\/wp-content\/uploads\/2025\/08\/Klarna-Business-and-Revenue-Model-CTA-1.webp\" alt=\"Klarna Business and Revenue Model\" width=\"933\" height=\"350\" srcset=\"https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/Klarna-Business-and-Revenue-Model-CTA-1.webp 933w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/Klarna-Business-and-Revenue-Model-CTA-1-300x113.webp 300w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/Klarna-Business-and-Revenue-Model-CTA-1-768x288.webp 768w\" sizes=\"(max-width: 933px) 100vw, 933px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who-Are-Klarna%E2%80%99s-Competitors\"><\/span>Who Are Klarna\u2019s Competitors?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Once Klarna became popular, many other BNPL companies or <\/span><b>apps like Afterpay,<\/b><span style=\"font-weight: 400;\"> PayPal started providing similar services. But most of these companies still have some limitations. Let\u2019s check out the competitor apps.\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td style=\"text-align: center; width: 16.0822%;\"><strong>Major Features<\/strong><\/td>\n<td style=\"text-align: center; width: 18.6215%;\"><strong>Klarna<\/strong><\/td>\n<td style=\"text-align: center; width: 14.2684%;\"><strong>Afterpay<\/strong><\/td>\n<td style=\"text-align: center; width: 16.6868%;\"><strong>Affirm<\/strong><\/td>\n<td style=\"text-align: center; width: 15.8404%;\"><strong>Zip<\/strong><\/td>\n<td style=\"text-align: center; width: 18.2588%;\"><strong>Sezzle<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.0822%;\">Active Users<\/td>\n<td style=\"text-align: center; width: 18.6215%;\">180M+ (Q1 2025)<\/td>\n<td style=\"text-align: center; width: 14.2684%;\">~20M<\/td>\n<td style=\"text-align: center; width: 16.6868%;\">~18M<\/td>\n<td style=\"text-align: center; width: 15.8404%;\">~4M<\/td>\n<td style=\"text-align: center; width: 18.2588%;\">~12M<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.0822%;\">Partner Stores<\/td>\n<td style=\"text-align: center; width: 18.6215%;\">724,000+<\/td>\n<td style=\"text-align: center; width: 14.2684%;\">~144,000<\/td>\n<td style=\"text-align: center; width: 16.6868%;\">~266,000<\/td>\n<td style=\"text-align: center; width: 15.8404%;\">~97,000<\/td>\n<td style=\"text-align: center; width: 18.2588%;\">~90,000<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.0822%;\">Main Offerings<\/td>\n<td style=\"text-align: center; width: 18.6215%;\">Pay in 4, Pay in 30, Longer-term financing, Klarna Card, Cashback, Balance tools<\/td>\n<td style=\"text-align: center; width: 14.2684%;\">Pay in 4 (interest-free)<\/td>\n<td style=\"text-align: center; width: 16.6868%;\">Pay in 4, Loans up to 36 months<\/td>\n<td style=\"text-align: center; width: 15.8404%;\">Pay in 4, Credit-building option \u201cSezzle Up\u201d<\/td>\n<td style=\"text-align: center; width: 18.2588%;\">Flexible installments (weekly, bi-weekly, monthly)<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.0822%;\">Countries Available<\/td>\n<td style=\"text-align: center; width: 18.6215%;\">26<\/td>\n<td style=\"text-align: center; width: 14.2684%;\">Australia, U.S., UK, Canada, EU<\/td>\n<td style=\"text-align: center; width: 16.6868%;\">U.S., expanding in Canada &amp; Australia<\/td>\n<td style=\"text-align: center; width: 15.8404%;\">U.S. &amp; Canada<\/td>\n<td style=\"text-align: center; width: 18.2588%;\">Australia, U.S., UK, NZ, EU<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.0822%;\">Banking Features<\/td>\n<td style=\"text-align: center; width: 18.6215%;\">Yes \u2013 Card, Cashback, Balance tools<\/td>\n<td style=\"text-align: center; width: 14.2684%;\">No<\/td>\n<td style=\"text-align: center; width: 16.6868%;\">No<\/td>\n<td style=\"text-align: center; width: 15.8404%;\">Limited \u2013 Credit-building only<\/td>\n<td style=\"text-align: center; width: 18.2588%;\">Limited \u2013 Wallet + Installments<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center; width: 16.0822%;\">App &amp; Customer Tools<\/td>\n<td style=\"text-align: center; width: 18.6215%;\">Full-featured app for payments, tracking, and offers<\/td>\n<td style=\"text-align: center; width: 14.2684%;\">Basic app for tracking payments<\/td>\n<td style=\"text-align: center; width: 16.6868%;\">App supports payment scheduling and loans<\/td>\n<td style=\"text-align: center; width: 15.8404%;\">App supports payments and credit-building<\/td>\n<td style=\"text-align: center; width: 18.2588%;\">App supports tracking and payment reminders<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"What-Sets-Klarna-as-a-Differentiator\"><\/span>What Sets Klarna as a Differentiator?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As you can see, Klarna is already a leader in this BNPL space. Not just because it started early, but because the company grew smartly. It uses smart technologies while keeping its operation slow.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Overall, Klarna provides a mix of BNPL + digital banking + AI financial tools. While most competitors&#8217; apps like <\/span><b>Affirm,<\/b><span style=\"font-weight: 400;\"> as we mentioned above, are limited to a few countries, Klarna has expanded to 26 countries. This gives a much larger reach.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, its large network and partnerships with major brands like eBay, Walmart, Nike, IKEA, and Sephora have helped Klarna build trust among its competitors. Its strong reputation and reliable service make it a preferred choice for many shoppers worldwide.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-Nimble-AppGenie-Can-Help-You-Develop-An-App-Like-Klarna\"><\/span>How Nimble AppGenie Can Help You Develop An App Like Klarna?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are planning to <\/span><b>develop an app like Klarna, <\/b><span style=\"font-weight: 400;\">then <strong>Nimble AppGenie<\/strong> is a one-stop solution. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Founded in 2017, we have been serving many clients and helping them build custom and user-friendly fintech apps. Our expert team can guide you through the whole process, from planning the features to developing the <\/span><b>instant payment system.<\/b><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We make sure your financial application works seamlessly and supports BNPL services. Our professional developers excel in crafting any type of mobile apps from BNPL to fintech apps, using the latest technology and also integrating the required <\/span><b>fintech APIs.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">With Nimble AppGenie, you can build an app like Klarna that can take your business to new heights and help you become the next industry leader in the BNPL space.<\/span><\/p>\n<p><a href=\"https:\/\/www.nimbleappgenie.com\/request-a-quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-48296 aligncenter\" src=\"https:\/\/www.nimbleappgenie.com\/blogs\/wp-content\/uploads\/2025\/08\/Klarna-Business-and-Revenue-Model-CTA-2.webp\" alt=\"Klarna Business and Revenue Model\" width=\"933\" height=\"350\" srcset=\"https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/Klarna-Business-and-Revenue-Model-CTA-2.webp 933w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/Klarna-Business-and-Revenue-Model-CTA-2-300x113.webp 300w, https:\/\/www.nimbleappgenie.com\/nimble-development\/blogs\/wp-content\/uploads\/2025\/08\/Klarna-Business-and-Revenue-Model-CTA-2-768x288.webp 768w\" sizes=\"(max-width: 933px) 100vw, 933px\" \/><\/a><\/p>\n<h2>Conclusion<\/h2>\n<p><span style=\"font-weight: 400;\">Klarna has set the perfect example in the BNPL market by providing flexible payment options and a user-friendly app. Its success comes from combining technology, customer convenience, and building partnerships with top brands.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, if you are impressed with the Klarna business model and want to create a similar BNPL solution, working with a <\/span><a href=\"https:\/\/www.nimbleappgenie.com\/blogs\/best-buy-now-pay-later-apps\/\" target=\"_blank\" rel=\"noopener\">BNPL app development company<\/a> <span style=\"font-weight: 400;\">would be fruitful. With the right <a href=\"https:\/\/www.nimbleappgenie.com\/blogs\/mobile-app-development-team\/\" target=\"_blank\" rel=\"noopener\">mobile app development team<\/a>, your business can provide seamless BNPL services and reach customers globally.\u00a0<\/span><\/p>\n<h2>FAQs<\/h2>\n<div class=\"faq-parent\">\n<div id=\"accordionExample\" class=\"accordion\">\n<div class=\"accordion-item\">\n<p id=\"headingCost\" class=\"accordion-header\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseCost\" aria-expanded=\"false\" aria-controls=\"collapseCost\">How much does it cost to develop a BNPL app?<\/button><\/p>\n<div id=\"collapseCost\" class=\"accordion-collapse collapse\" aria-labelledby=\"headingCost\" data-bs-parent=\"#accordionExample\">\n<div class=\"accordion-body\">The <a href=\"https:\/\/www.nimbleappgenie.com\/blogs\/cost-to-develop-a-bnpl-app\/\">cost to develop a BNPL app<\/a> can be between $30,000 &#8211; $250,000. It fluctuates depending on the project needs and customizations.<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-item\">\n<p id=\"headingRevenue\" class=\"accordion-header\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseRevenue\" aria-expanded=\"false\" aria-controls=\"collapseRevenue\">What\u2019s the revenue model of Klarna?<\/button><\/p>\n<div id=\"collapseRevenue\" class=\"accordion-collapse collapse\" aria-labelledby=\"headingRevenue\" data-bs-parent=\"#accordionExample\">\n<div class=\"accordion-body\">Klarna makes money mainly by charging stores a small fee when customers use Klarna to pay. It also earns from late fees, interest on long-term payments, advertising, and some premium card or app services.<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-item\">\n<p id=\"headingWork\" class=\"accordion-header\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseWork\" aria-expanded=\"false\" aria-controls=\"collapseWork\">How does the Klarna app work?<\/button><\/p>\n<div id=\"collapseWork\" class=\"accordion-collapse collapse\" aria-labelledby=\"headingWork\" data-bs-parent=\"#accordionExample\">\n<div class=\"accordion-body\">The app lets you shop online or in stores using Klarna\u2019s Buy Now, Pay Later options. You can track orders, split payments, save favorite items, get price alerts, and manage your Klarna card.<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-item\">\n<p id=\"headingFree\" class=\"accordion-header\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseFree\" aria-expanded=\"false\" aria-controls=\"collapseFree\">Is it free to use the Klarna app?<\/button><\/p>\n<div id=\"collapseFree\" class=\"accordion-collapse collapse\" aria-labelledby=\"headingFree\" data-bs-parent=\"#accordionExample\">\n<div class=\"accordion-body\">Yes, using the Klarna app is mostly free. You only pay fees if you miss payments or choose certain long-term financing plans that include interest.<\/div>\n<\/div>\n<\/div>\n<div class=\"accordion-item\">\n<p id=\"headingSafe\" class=\"accordion-header\"><button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseSafe\" aria-expanded=\"false\" aria-controls=\"collapseSafe\">Is Klarna a safe and secure app?<\/button><\/p>\n<div id=\"collapseSafe\" class=\"accordion-collapse collapse\" aria-labelledby=\"headingSafe\" data-bs-parent=\"#accordionExample\">\n<div class=\"accordion-body\">Yes. Klarna uses strong security systems to protect your personal information and payments. It also checks credit and prevents fraud to make sure shopping is safe for both customers and stores.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"How much does it cost to develop a BNPL app?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The cost to develop a BNPL app can be between $30,000 - $250,000. It fluctuates depending on the project needs and customizations.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What\u2019s the revenue model of Klarna?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Klarna makes money mainly by charging stores a small fee when customers use Klarna to pay. 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