How Does Klarna Make Money? A Complete Guide to Klarna Business Model Klarna was founded in Sweden, in 2005 with a unique concept- BNPL, to make online shopping safe and appealing to all. Klarna offers financial services, including direct payments, installment plans, and payment after-delivery options. Klarna’s business model – ‘Buy Now and Pay Later’ lets consumers try and buy products without paying at that very instant. https://kodehash.com/blogs/how-does-klarna-make-money