Klarna is one of Europe’s leading providers of payment solutions for e-commerce. The company separates buying from paying, allowing buyers to pay for ordered goods after receiving them. At the same time, Klarna assumes all credit and fraud risk for e-stores so that sellers can rest assured that they will always receive their money. The company is in 16 countries and used by over 45,000 merchants. Clients include ASOS and Marks & Spencer.