← Embedded Finance Index 2026/Vendor

Klarna

Provider
LendingPSPOpen Banking

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 43 companies across 3 categories.

klarna.com ↗Also analysed as a company — its own stack →
CategoriesLending, PSP, Open Banking
Rank#4 of 207 in Lending
Buyers43 companies
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Who uses Klarna
43 companies disclose Klarna in their stack
Money Adviser NetworkAMC TheatresASOSFlowPabau Clinic SoftwareLabel PaymentsWix PaymentsHealthieJusttShoplazzaL'OccitaneFilevine+31 more
Buyer mix · 43 of 43 classified
E-commerce / Retail · 7E-commerce / DTC brand · 5E-commerce / Platform · 4Infrastructure / Payments · 4Vertical SaaS / Healthcare · 4Marketplace / Travel · 2Vertical SaaS / Field Service Management · 2Vertical SaaS / Restaurants · 2
EU · 14US · 10UK · 9Canada · 3APAC · 3MENA · 2
What the disclosures say
Money Adviser Network
“The Klarna partnership (via IBS Intelligence) implies Klarna refers customers in financial difficulty to Money Adviser Network for debt advice — this is an inbound referral relationship positioning MAN as a debt-advice recipient/facilitator, not a lender.”
AMC Theatres
“https://www.klarna.com/us/store/38db9bce-99a8-445c-9c84-6caa6a1bd40b/AMC-Theatres/pay-with-klarna/ — Klarna's own page explicitly names AMC Theatres as a supported store.”
View source · klarna.com ↗
ASOS
“Klarna publicly lists ASOS as a customer (known_customer_listings).”
Flow
“flow.io/policies/third-party-payment-providers explicitly states: 'Flow uses Adyen, Stripe, PayPal, and Klarna for payment processing services to process your transactions.' This is a TIER 1 direct source from the target's own domain.”
Pabau Clinic Software
“Privacy policy: 'Klarna — Used as an integrated financing/payment option (buy-now-pay-later).”
Label Payments
“labelpaytech.com homepage advertises 'Connect 10+ payment providers, enable smart routing' and lists Stripe, Adyen, Worldpay, Braintree, PayPal, Revolut, Wise, Klarna, Checkout.com, Nuvei as supported providers.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Klarna? Claim this profile above to unlock your own full list.
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Alternatives to Klarna

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm49 buyers →YouLend35 buyers →Mambu34 buyers →Stripe Capital28 buyers →Wisetack26 buyers →Liberis17 buyers →finmid16 buyers →Hokodo16 buyers →
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Ranked #4 of 207 in Lending — Embedded Finance Index 2026
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