Doing our part so you can do yours

At Klarna, we believe that conscious shopping should be effortless, helping you make better choices.

Sustainability at Klarna

Supporting you in making conscious everyday decisions while conducting our business responsibly and sustainably.

Limiting our carbon footprint

We want to be part of the solution. That means operating at net-zero and helping the planet reach the same goal.

Take control of your finances

We want to help you save time and money, empowering you to make informed decisions and take control of your finances.

Diverse and inclusive

We believe that diversity and inclusion are key factors in our continued success and aim to become an even more diverse and inclusive company.

Conscious shopping made easy

You don’t have to be an expert to be a more conscious shopper. Let us do the heavy lifting.

Our pledge to the planet

We’ve committed 1% of all future funding rounds to planet health initiatives, and have already pledged $16.5 million.

Are you looking for relevant documents like the ESG report, our Modern Slavery and Human Trafficking Statements, or our Supplier Code of Conduct? You can find it all

here

Sustainability at Klarna

Supporting you in making conscious everyday decisions while conducting our business responsibly and sustainably.

Our materiality assessment

To find out how our business impacts global sustainability issues and to consider the impact of these issues, e.g. climate change, on Klarna, we conducted our first materiality assessment in 2021.

Read more about the assessment and our material topics

here

Our approach to sustainability

Climate change poses one of the most significant challenges for humanity. And as our collective impact on the planet becomes more evident, so do the calls for action. At Klarna, we acknowledge that we’re part of the problem, and that’s why we want to be part of the solution.

We play our part in addressing pressing global issues within our own operations in line with the results from the materiality assessment. But our impact goes beyond our own operations - there is so much more we can do. We aim to play an essential role in providing you with quality unbiased information so you can make informed and responsible purchasing decisions and work collaboratively with our retail partners on ensuring responsible business practices.

here

Limiting our carbon footprint

We want to be part of the solution. That means operating at net-zero and helping the planet reach the same goal.

Part of the solution

Our approach to climate action

Klarna has opted to follow the

WWF and BCG blueprint

for corporate climate action. It guides how companies measure and display their emissions, set targets to reduce them, price what is remaining, and contribute financially to effective climate projects.

here

Our commitment has three broad components

2025

By 2025, we will ensure that all of our locations use 100% green electricity.

2030

By 2030, we will reduce 50% of our carbon-intensity-based emissions in line with the Paris Agreement.

2040

By 2040, we will operate at net-zero.

Climate Pledge

Committed to the Climate Pledge. Building momentum around the shift to a decarbonized economy.

Learn more

Race to Zero

Joined Race to Zero. Cementing our dedication to making meaningful contributions in this space.

Learn more

Leaders for Climate Action

Member of Leaders for Climate Action. Driving climate action to facilitate and scale best practice CO₂ reduction solutions in tech.

Learn more

Carbon Disclosure Project

Regularly (yearly) submitting to the CDP (Carbon Disclosure Project) project. Gaining valuable insights into where we can improve our carbon reduction efforts.

Learn more

Putting a price on our emissions

We have introduced an internal carbon tax, where we tax ourselves for our own carbon emissions and invest that money in high-impact climate projects.

Investing in high-impact projects

The funds generated by the internal carbon tax are invested into permanent carbon removal projects, reforestation and forest protection, and decarbonization projects among others, through our Climate Transformation Portfolio.

Take control of your finances

We want to help you save time and money, empowering you to make informed decisions and take control of your finances.

Actions speak louder than words

We believe you should first and foremost pay with the money you have. Period. But in some situations, credit makes sense, like shopping online where you can’t see or touch the product before purchase.

We want to help you save time and money, empowering you to make informed decisions and take control of your finances. From spending overviews to in-app budgeting tools, Klarna products offer flexibility with a choice of ways to pay, including delaying payment or spreading the cost with no fees or interest over a short period of time - but never revolving credit.

here

or check out our Wikipink site in

Swedish

Time for serious change

We continue to expand our immediate settlement option Pay Now across global markets, because we believe you should first and foremost pay with the money you have.

We have also made a number of changes to make our product offering more sustainable and rolled out our Pink Standards for you in Sweden and Germany. We are planning to set this standard for our products across all markets - up next is the UK and USA.

Pink Standards

No revolving credit.

We don’t want you to be stuck in a credit trap with high-interest payments and low installments, so we’ve removed our revolving credit-based product. Now, you’re only able to pay for your Klarna purchases in installments based on a predetermined time period.

No extra fees.

We want the total cost of credit to be reasonable and clear and have eliminated upfront and administration fees, so you only have to pay a straightforward, predetermined interest rate on the amount borrowed. We have also removed interest on late payments.

More time to pay.

The 14-day payment time on our invoice wasn’t good enough, so we changed it to 30 days to reduce hassle and unnecessary reminder fees. This means a payment period of 30 days for all free invoice purchases and an extension of the payment period over a normal payroll cycle.

More friendly reminders.

To help you pay for your purchases on time, we introduced an extra friendly reminder the day after the due date, free of charge.

Diverse and inclusive

We believe that diversity and inclusion are key factors in our continued success and aim to become an even more diverse and inclusive company.

When differences make the difference

We respect and value differences, and we strive to provide everyone with an equal opportunity workplace that promotes diversity. With employees of more than 100 nationalities, we are proud of our strong cultural diversity.

nationalities working at Klarna

women in our overall workforce in 2021

Conscious shopping made easy

You don’t have to be an expert to be a more conscious shopper. Let us do the heavy lifting.

The power’s in your hands

At Klarna, we provide the tools you need to shop smarter. From offering CO₂ insights for all purchases to promoting conscious brands and more sustainable products, we give you the power to shop more consciously than ever before.

Personalized CO₂ insights

In 2021, we launched the CO₂ Emissions Tracker based on Doconomy’s Åland Index, providing insights into the carbon emissions of all purchases made via the Klarna app. By displaying the kg-CO₂ rating of each transaction, we make it easier for consumers to track their individual footprint–and then take action. The new feature makes CO₂ data accessible on a global scale, making it one of the biggest awareness-raising efforts ever.

Learn more

Vote with your wallet

Want to support more sustainable brands but don’t know where to start? We got you. Wherever you are on your journey to sustainable living, our goal is to provide you with greater transparency about conscious brands and actionable insights to help you make informed shopping decisions.

We’ve already started working towards this goal by curating content in the Klarna app to recognize and promote brands’ efforts towards sustainability.

here

Encouraging circular shopping

Rather shop pre-owned? We can help with that, too. We’ve also launched curated Collections content dedicated to pre-owned shopping.

With us, you’ve got options. To incentivize participation in the circular economy, we will add pre-owned products throughout the shopping journey and make it convenient for you to maximize the lifespan of your items.

SimplifiedSnippet_Web_Sustainability_Resell_Eggplant_3x2_Global

Klarna Resell

An easier way to sell pre-loved pieces. Give new life to items, create listings in a tap, and sell your things via selected partners.

Learn more

Our pledge to the planet

We’ve committed 1% of all future funding rounds to planet health initiatives. We’ve already pledged $16.5 million.

Creating real change, together

There's a significant funding gap in addressing the planet's health crisis. To help bridge this, we committed 1% of our funding rounds in 2021 to vetted, high-impact projects through our Nature Transformation Fund. This was done in collaboration with our strategic sustainability partner, Milkywire.

Now, three years into our journey, we've taken stock and are ready to embark on a new chapter.

Learn more