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One million Finns use Klarna’s e-payment services

Press release   •   Dec 19, 2012 08:54 GMT

Already nearly every fifth Finn has used safe and easy e-payment services in different online shops operated by Klarna.

Klarna offers safe and easy-to-use e-payment services for both e-stores and individual consumers. In December 2012, the company reached a significant milestone of one million customers in Finland.

“We are very proud that we now have one million unique customers in Finland. This shows that there is a great demand for easy and safe e-payment service,” Country Manager of Klarna Finland Casimir Ehrnrooth says.

“We believe that e-commerce will grow even more in the future, and offering a well-functioning e-payment service is very important for e-stores to be successful. In the future, our goal is to continue our growth and also to reach 2 million Finnish customers.”

Consumers wish to pay online shopping afterwards

Christmas shopping has been heating up also online. According to a survey by Itella, more than half of the Finns (54%) are planning to do Christmas shopping online. However, e-stores are the only market place where the consumer is expected to pay the products beforehand; in a normal physical store you can always familiarize yourself with the product before you pay it. However, according to a research on Nordic e-commerce made by PostNord, the majority of Finns prefer to pay their online shopping by invoice after delivery. 

“From our point of view, the most important thing is that today consumers want to pay after receiving the products home and confirm they are exactly as wanted. Another point is the easiness and flexibility of Klarna’s service: we provide both invoice and account options. Naturally the increase in e-commerce in general affects the demand for our service too,” Ehrnrooth explains the increase in their clientele.

Flexibility is Klarna’s asset

Klarna’s simple payment process, which doesn’t require registering from the customer, makes ordering easier and faster: the consumers use the information they carry on everywhere on the top of their mind, one doesn’t need for example separate e-banking codes for ordering. For e-store customers, Klarna’s straightforward payment process at the checkout increases conversion percentage.

Klarna’s flexible invoicing enables paying either at once or in installments. This helps both the consumer and the seller: the consumer can pay the purchases 14 days after order or even change the due date if necessary. Klarna provides also installment purchase campaigns that add to consumers’ purchasing power at the moment of purchase.

Klarna has been operating in Finland since July 2008. About 50,000 payment transactions go through Klarna’s service in Finland every week. Klarna’s Finnish e-store clients are, among others, verkkokauppa.com, cdon.com, suomalainen.com, nelly.com, adlibris.fi, stadium.fi, and jeans.fi. New e-stores start using Klarna’s service all the time.


Klarna offers safe and easy-to-use payment solutions to e-stores in Europe and was founded in 2005 with the ambition to make e-commerce safer and simpler. At the core of Klarna’s services is the concept of after delivery payment, which lets buyers receive ordered goods before any payment is due. 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. Klarna’s vision is to enable trust and to offer a frictionless buying experience to buyers and sellers across the world. Today, Klarna’s payment solutions are integrated by more than 15,000 online shops in Sweden, Norway, Denmark, Finland, Germany, Austria and the Netherlands.