Klarna is a leading European provider of e-commerce payment option which distinguishes payers from buyers. This allows buyers to pay for pre-ordered items upon or post receipt which can create a safer after-delivery payment solution. Klara is particularly effective in absorbing all credit and fraud risk for online stores, guaranteeing sellers that they will safely receive their transaction funds. Klarna’s ultimate vision is to facilitate a smooth, trustworthy and frictionless experience of selling and purchasing around the world.