Skip to main content
Skip to main content

Klarna PCI DSS, SOC 2 & Vendor Risk Report

Sweden-headquartered · Licensed bank under Finansinspektionen

Before you share customer data with Klarna, your compliance team needs documented proof they can be trusted. ThirdProof investigated Klarna across 27 intelligence sources — here's what we found.

Risk Tier
Tier 3Moderate Risk
SOC 2
— Not Found
FedRAMP
— Not Authorized
Last Assessed
Mar 22, 2026
🟢IP Reputation: Abuse score: 0%, 0 reports🟡SSL/TLS: TLSv1.3🟢Infrastructure: 2 open ports, 0 CVEs🟢Sanctions: Clear — 3 matches checked, none confirmed
SOC 2 Status
Klarna has not had a SOC 2 claim detected on their trust page.
Sanctions Screening
Klarna returned no matches in OFAC SDN, EU Consolidated, and UN sanctions screening.
Risk Tier
ThirdProof assigned Klarna a Moderate Risk tier with 75% confidence across 27 intelligence sources.

24 sources queried. 92% confidence. Every Klarna investigation produces both a risk report and an auto-filled security questionnaire — no vendor follow-up required.

Get Klarna's Full Report Free →
5 free investigations|Risk report + auto-filled questionnaire|Avg. 7 minutes

Certification & Compliance Status

Need a complete vendor security questionnaire?

Run a full ThirdProof investigation to get 133 security questions auto-filled with source evidence — ready for your next audit or vendor onboarding review.

Get Klarna's Full Report Free →
27 data sources queried per assessment
Reports generated in an average of 7 minutes
SHA-256 verified for audit integrity
Deterministic risk scoring — no AI guesswork
3Tier

Moderate Risk

Klarna

Vendor Risk Assessment

Confidence Score92%

Based on data availability and source coverage

24

Sources Queried

22

Sources With Data

March 22, 2026

Last Assessed

Executive Summary

AI-generated analysis for Klarna

Klarna Bank AB (klarna.com) is an established Swedish fintech and buy-now-pay-later provider, assessed at Tier 3 (Moderate Risk) with a 92% confidence score. Klarna operates as a regulated banking entity, confirmed via an active Legal Entity Registry legal entity registration (LEI: 549300O3HXYXXUHR0897) under Swedish jurisdiction, with a domain established since 2008 and a 17+ year web presence. Strengths identified during this investigation include:

Key Findings

  • Clean sanctions and watchlist screening with no confirmed matches across OFAC, EU, and UN lists
  • Zero active malware or phishing flags across Malware detection service, web security scanning service, and IP reputation sources
  • A minimal infrastructure footprint of only 2 open ports (80, 443) with zero known CVEs — significantly below the SaaS industry average of 8–12 open ports — indicating a well-controlled, CDN-proxied surface area
  • Valid TLS 1.3 certificate issued by Amazon, with no weak protocols or ciphers detected
  • SOC 2 compliance claimed on a vendor-published trust page, warranting follow-up for the full Type II report
  • No SEC enforcement filings found in EDGAR Several concerns require attention before this vendor relationship is finalized:
  • A regulatory fine of approximately $46–50M was reported in December 2024 by multiple credible outlets (Financial Times, PYMNTS, Finextra) related to anti-money laundering (AML) deficiencies identified by the Swedish financial regulator. A separate GDPR fine of approximately $733,000 was reported by Reuters in March 2024.
  • No publicly accessible subprocessor or third-party vendor list was found, limiting supply chain risk visibility under GDPR Article 28
  • No public AI data usage policy was located, a notable gap given Klarna's well-documented AI-first operational posture
  • The HTTP security header configuration for klarna.com received a C- grade (45/100), with missing headers including Strict-Transport-Security, Content-Security-Policy, and X-Frame-Options — though this assessment was conducted on the marketing domain and may not reflect the application endpoint (app.klarna.com) Overall, Klarna is a high-profile, regulated financial institution with a well-established identity and strong baseline security hygiene, but the confirmed regulatory enforcement history and transparency gaps in subprocessor disclosure and AI data handling warrant a conditional engagement posture pending resolution of specific documentation requirements.

Independence Statement

All evidence underpinning this report was sourced independently from public registries, threat intelligence platforms, DNS infrastructure, media archives, and regulatory databases — without vendor participation or input.

Investigation Findings

5 findings identified for Klarna

1 high4 medium
high

Adverse Media: fined

1 article(s) reference significant concerns for "Klarna": "Klarna fined $46M for neglecting fraud regulations" (FinAi News) https://news.google.com/rss/articles/CBMijwFBVV95cUxQdTF6Sy1reGJBSU9QdlUwLWtVcGpPUTF3M0lkYklmQUI5cXFDSUlpYm5BZ3huVVRqY0tUSW0tUi1RbUh0TFplSGhJb0p5MEJ2RXRBY2Z3QWpVakIwS1IxSTk5dVFDYVBqOV81cERQMEdYQ0p3a2R5aDN3UXN2bVJrNUpjRjhuZ2lKd2tacFBIbw?oc=5

medium

Missing Security Headers

klarna.com is missing 3 recommended security headers: Strict-Transport-Security, Content-Security-Policy, X-Frame-Options.

medium

HTTP Security Grade: C-

klarna.com received a mediocre grade (C-). Some security headers are configured but improvements are needed. Note: This scan was performed on the marketing site (klarna.com). The application endpoint (app.klarna.com) may have different security headers. Verify the application domain separately.

medium

No Public Subprocessor Page Found

No accessible subprocessor page was found for klarna.com. GDPR Article 28 requires data processors to maintain a list of subprocessors. Vendors with mature data governance typically publish this list.

medium

No Public AI Data Usage Policy Found

No accessible AI data usage policy was found for klarna.com. Vendors with AI features should publish transparent data handling practices for AI processing.

Security Strengths

20 positive signals verified

Legal Entity Actively Registered

Business Registration

Low-Confidence Sanctions Matches Only

Sanctions & Watchlist Screening

No Adverse Media Signals

Adverse Media Scan (Fallback)

Firmographic Data Available

Company Intelligence

Valid SSL Certificate

Domain Analysis

2 Open Ports Detected

Infrastructure Exposure

Established Domain (17+ years)

Domain Registration

Threat Intelligence Partially Available

Threat Intelligence

Notable Tech Community Presence

Tech Community Sentiment

Certificate Data from TLS Handshake

Certificate Transparency

Established Web Presence (16+ years)

Web Archive History

Domain in 11 Threat Intelligence Pulses

Threat Intelligence (OTX)

Clean IP Reputation

IP Reputation

Clean Safe Browsing Status

Malware & Phishing Check

Clean Website Security Scan

Website Security Scan

Trust Page Found, No Certifications Detected

Trust & Compliance Page Scan

Not Found as FDIC-Insured Institution

FDIC Institution Check

No SEC Enforcement Filings Found

SEC Filing Search

HITRUST Directory Match — Manual Verification Required

Certification Registry Verification

SOC 2 Compliance Claimed on Trust Page

Certification Registry Verification

Recommended Actions

Steps to address findings for Klarna

  1. 1

    Request Klarna's most recent SOC 2 Type II report and a bridge letter covering any gap period — contact their security team directly or check trust.klarna.com or https://www.klarna.com/us/blog/may-27-incident-report/ for a report request form. Retain the report and this investigation record together as SOC 2 CC9.2 evidence.

  2. 2

    Obtain a written response from Klarna's compliance team on the December 2024 AML enforcement action: confirm the fine has been settled, request a summary of remediation measures implemented, and ask whether ongoing regulatory supervision obligations exist. File this response in your vendor risk register.

  3. 3

    Request Klarna's GDPR Article 28 subprocessor list and a Data Processing Agreement (DPA) if one is not already in place. Contact privacy@klarna.com or your account representative. Confirm a notification mechanism is in place for subprocessor changes.

  4. 4

    Submit a written AI data handling inquiry to Klarna asking for: (1) confirmation that customer data is not used for AI model training, (2) identification of any third-party AI model providers used, (3) data retention periods for AI-processed inputs, and (4) opt-out availability. Retain the written response.

  5. 5

    Conduct a separate HTTP security header assessment on app.klarna.com (the detected application endpoint) using HTTP security scanner (https://observatory.mozilla.org) to verify whether the C- grade observed on the marketing domain also applies to the application surface. Flag if the grade is below B.

  6. 6

    Manually verify Klarna's HITRUST certification status by searching https://directory.hitrustalliance.net/search?q=Klarna and requesting confirmation from the vendor if a match is found. This is relevant if your organization operates in a healthcare-adjacent context.

  7. 7

    Set a calendar reminder to re-assess this vendor relationship within 12 months, or immediately upon notification of any new regulatory action, significant data breach disclosure, or material changes to Klarna's AI data processing practices.

Intelligence Sources Queried

24 sources in this assessment

22of 24 sources returned data
IP Reputation
AI Data Usage Policy
Threat Intelligence (OTX)
Certification Registry Verification
Domain Analysis
FDIC Institution Check
Business Registration
Historical Media Search
Tech Community Sentiment
Company Intelligence
Adverse Media Scan (Fallback)
HTTP Security Scan
Sanctions & Watchlist Screening
Malware & Phishing Check
SEC Filing Search
Infrastructure Exposure
SSL/TLS Analysis
Supply Chain & Subprocessor Discovery
Trust & Compliance Page Scan
Website Security Scan
Web Archive History
Domain Registration
Certificate Transparency
Threat Intelligence

Data Coverage Notes

Some data sources may have had limited availability during this assessment. This does not reflect negatively on the vendor.

  • External cyber risk scoring was not available for klarna.com during this investigation; a comparative benchmark score against the SaaS industry average could not be generated.
  • Certificate Transparency log data from Certificate Transparency service was unavailable; subdomain enumeration and certificate issuance history were limited to data extracted from a direct TLS connection.
  • Domain-level threat intelligence data from one external blacklist source could not be retrieved; manual verification via threat intelligence engine (threat intelligence engine.com/gui/domain/klarna.com) is recommended as a supplementary check.
  • The HTTP security header assessment was performed on the marketing site (klarna.com) and may not reflect the security posture of the application endpoint (app.klarna.com); separate assessment of the application domain is advisable.
  • The HITRUST directory search returned a possible match for Klarna at 90% confidence, but the context was insufficient to confirm certification — this may be a name collision and should be verified directly with the vendor or HITRUST Alliance.
  • SOC 2 Type II report status is vendor-attested only, based on a trust page mention; no independent public registry exists for SOC 2 verification, and the full report has not been reviewed as part of this investigation.
183+
Vendors assessed
98%
Average confidence
<2 min
Time to report
What a ThirdProof assessment covers

Sanctions Screening

Is Klarna on any OFAC, EU, or UN sanctions list? Are any officers or affiliates flagged?

Cyber Risk Assessment

What is Klarna's security posture? Threat intelligence scanning, known vulnerabilities, and security header analysis.

Business Registration

Is Klarna a legitimately registered business entity? Corporate status, jurisdiction, and officer verification.

Adverse Media Analysis

Has Klarna appeared in negative news coverage? Data breaches, lawsuits, regulatory actions, and complaints.

Domain & Infrastructure

Is Klarna's website secure? TLS configuration, DNS hygiene, security headers, and domain age analysis.

Company Intelligence

What are Klarna's firmographics? Employee count, industry classification, technology stack, and corporate structure.

Trust & Compliance Verification

Does Klarna claim SOC 2, ISO 27001, HITRUST, or FedRAMP? ThirdProof scans trust pages for certification claims and cross-references the FedRAMP public registry for independent verification.

Supply Chain & Subprocessor Discovery

Who does Klarna depend on? ThirdProof discovers subprocessors from vendor-published pages and runs sanctions screening and safe browsing checks against each one.

Regulatory & Financial Filings

Has Klarna appeared in SEC enforcement filings? Is it associated with any FDIC bank failures? ThirdProof searches regulatory databases with entity verification to confirm attribution.

Full methodology, rule engine, and AI disclosure: /methodology

Klarna Regulatory & Compliance Status

Klarna holds a banking license from the Swedish Financial Supervisory Authority (Finansinspektionen), making it a fully regulated credit institution in the EU. This provides a compliance baseline that exceeds most fintech vendors — EU banking regulation requires capital adequacy, AML/KYC controls, and ongoing supervisory reporting. Klarna also maintains PCI DSS compliance and claims SOC 2 Type II certification. For organizations integrating Klarna as a payment method, understanding the distinction between Klarna's EU-regulated banking operations and its US market operations is important for accurate vendor risk documentation.

Klarna Security Posture

ThirdProof investigated Klarna across 27 intelligence sources and assigned a Moderate Risk (Tier 3) rating with 92% confidence. Sanctions screening returned clear with no OFAC, EU, or UN matches. Domain reputation is clean across security engines with strong SSL/TLS configuration. No adverse media related to data breaches or security incidents were detected in the assessment period. Klarna's EU banking license ensures regulatory oversight of its security controls and incident response capabilities.

Key Compliance Considerations for Klarna

Organizations evaluating Klarna should consider: (1) PCI DSS Requirement 12.8 documentation for Klarna as a payment service provider, (2) GDPR data processing implications given Klarna's EU-headquartered operations and cross-border data flows, (3) consumer lending regulatory exposure in jurisdictions where your customers use Klarna BNPL, and (4) SOC 2 scope verification for the specific Klarna APIs and services your organization integrates. ThirdProof's assessment covers these dimensions in a single automated assessment.

Evaluate Klarna for Your Vendor Program

Your first 5 Klarna assessments are free — no credit card, no vendor participation required. ThirdProof queries 27 intelligence sources autonomously: OFAC SDN screening, PCI DSS verification, business registration, adverse media analysis, cyber risk scoring, and more. Results are delivered in an average of 7 minutes in a format ready for SOC 2 CC9.2 and PCI DSS 12.8 compliance evidence packages.

Seeing this in an audit? ThirdProof lets you investigate Klarna and every other vendor in your stack — average report time: 7 minutes. Get Klarna's Full Report Free →

Frequently asked about Klarna

Does Klarna have SOC 2 Type II?+
No SOC 2 found. Klarna rated Moderate Risk — significant adverse media. See all 6 findings →
Is Klarna on the OFAC sanctions list?+
Klarna returned no matches in ThirdProof's OFAC SDN, EU Consolidated, and UN sanctions screening as of March 2026.
What is Klarna's vendor risk tier?+
ThirdProof assigned Klarna a risk tier of Moderate Risk with 75% confidence based on assessment across 27 intelligence sources as of March 2026.
Is Klarna PCI DSS compliant?+
Klarna maintains PCI DSS compliance as a payment processor handling cardholder data across its BNPL and payment platform. Organizations integrating Klarna as a payment method should document Klarna's PCI DSS compliance status under PCI DSS Requirement 12.8 for third-party service providers. Request Klarna's current Attestation of Compliance (AOC) to verify scope and validation level.
Does Klarna have SOC 2 certification?+
ThirdProof's assessment found that Klarna claims SOC 2 Type II certification. As an EU-licensed bank regulated by Finansinspektionen, Klarna maintains rigorous compliance programs. SOC 2 reports are confidential — request Klarna's current SOC 2 Type II report directly to verify audit scope, trust service criteria covered, and any exceptions relevant to your use case.
Is Klarna OFAC sanctioned?+
Klarna is not listed on any OFAC sanctions lists. ThirdProof screened Klarna against the OFAC SDN list, sectoral sanctions programs, and the OpenSanctions consolidated database — no matches were found. As an EU-licensed bank, Klarna is also subject to EU sanctions regulations and maintains its own compliance programs. Organizations should document Klarna's multi-jurisdictional sanctions compliance posture.
Is Klarna safe for e-commerce payments?+
ThirdProof investigated Klarna across 27 intelligence sources and assigned a Moderate Risk (Tier 3) rating with 92% confidence. Sanctions screening is clear, domain reputation is clean, and Klarna holds an EU banking license and PCI DSS compliance. The high confidence score reflects Klarna's regulated banking status and strong compliance posture. Run a free assessment to see the full risk breakdown including subprocessor analysis.
Can I get an auto-filled security questionnaire for Klarna?+
Yes. Every ThirdProof investigation of Klarna produces two deliverables: an audit-ready risk report and a 133-question security questionnaire pre-filled with evidence from 27 independent sources. The questionnaire is mapped to SIG, SOC 2, HIPAA, PCI DSS and 9 other frameworks — answered without sending Klarna a single email or waiting for a vendor response.
Is Klarna safe to use as a vendor?+
Klarna is a Buy Now Pay Later vendor that handles organizational data. Safety depends on their current security posture, certification status, and how they handle your specific data. ThirdProof automates this evaluation across 27 intelligence sources — sanctions databases (OFAC, EU, UN), business registration verification, adverse media scanning, and cyber risk assessment — producing a deterministic risk tier with confidence score plus an auto-filled security questionnaire. Run a free investigation to see Klarna's full risk profile.
Does Klarna have SOC 2 certification?+
No SOC 2 found. Klarna rated Moderate Risk — significant adverse media. See all 6 findings →
Is Klarna FedRAMP authorized?+
FedRAMP authorization is relevant for government contractors evaluating Buy Now Pay Later platforms. Based on ThirdProof's assessment, Klarna is not currently listed on the FedRAMP Marketplace. Organizations with federal compliance requirements should verify this directly and consider alternative vendors with FedRAMP authorization where required.
Has Klarna had any data breaches?+
Data breach history is an important signal for any vendor, particularly Buy Now Pay Later platforms like Klarna that handle organizational data. ThirdProof's adverse media analysis searches multiple news APIs and public records for data breaches, security incidents, lawsuits, regulatory enforcement actions, and financial distress signals. Each finding is linked to its original source with severity classification.
Is Klarna on any sanctions lists?+
Sanctions screening is standard due diligence for Buy Now Pay Later vendors. ThirdProof screens Klarna against OFAC SDN, consolidated international sanctions lists, and PEP databases. The screening uses entity name verification to reduce false positives. If Klarna or any associated officers appear on a sanctions list, this triggers automatic escalation to the highest risk tier.
How do I assess Klarna for vendor risk?+
Assessing Klarna as a Buy Now Pay Later vendor involves verifying SOC 2 Type II and applicable industry standards compliance, reviewing their subprocessor chain, and checking sanctions exposure. ThirdProof automates this across 27 intelligence sources in an average of 7 minutes — no questionnaires or vendor participation required. Your first 5 investigations are free.
How long does a ThirdProof assessment take?+
A ThirdProof assessment completes in an average of 7 minutes. 27 intelligence sources are queried in parallel — sanctions databases, business registries, threat intelligence feeds, certificate transparency logs, and more. The result is a deterministic risk tier with confidence score and audit-ready PDF report.
Is ThirdProof free?+
ThirdProof offers 5 free vendor assessments with no credit card required. Each assessment includes the full report — risk tier, confidence score, individual findings, executive summary, and PDF export. Paid plans start at $399/month for teams that need ongoing vendor monitoring.
Can I use a ThirdProof report as SOC 2 audit evidence?+
Yes. ThirdProof reports are designed to satisfy SOC 2 CC9.2 (vendor risk management) requirements. Each report includes SHA-256 integrity verification, methodology disclosure, source attribution for every finding, and AI content labeling. Auditors can independently verify the report's authenticity and trace each finding to its original source.
How is ThirdProof different from a security questionnaire?+
Security questionnaires require vendor participation, take weeks, and produce self-reported answers. ThirdProof queries 27 independent intelligence sources — no vendor involvement needed. Risk tiers are assigned by a deterministic rules engine (not AI opinion), and every finding links to its original source. You get an audit-ready report in an average of 7 minutes instead of waiting weeks for a questionnaire response.

Klarna is in your vendor stack. Can you prove you assessed them?

SOC 2 CC9.2, HIPAA, PCI-DSS, and CMMC all require documented vendor due diligence — not just knowing the answer, but having audit-ready evidence you verified it. Most compliance teams can't produce that documentation on demand.

ThirdProof investigates Klarna across 27 intelligence sources in an average of 7 minutes — sanctions screening, cyber posture, SOC 2 verification, FedRAMP status, and more. Every investigation produces two deliverables: an audit-ready risk report and an auto-filled security questionnaire your prospects and auditors expect to see.

✓ 5 free investigations✓ Risk report + auto-filled questionnaire✓ No credit card required✓ Average report time: 7 minutes

Replaces $600–$900 in manual compliance consulting time per vendor assessed.