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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 3 — Moderate Risk
SOC 2
— Not Found
FedRAMP
— Not Authorized
Last Assessed
Mar 25, 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.

27 sources checked. Every investigation delivers two audit-ready artifacts: a risk report and an auto-filled security questionnaire — built from independent evidence, not vendor self-attestation.

Get Klarna's Full Report Free →
No credit card|Risk report + auto-filled questionnaire|SOC 2 CC9.2 ready

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.

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◇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
Risk Tier
Tier 3 — Moderate Risk
Assessment
Conditional
Confidence
75%

Assessment Preview — 23 Sources Queried

Sanctions ScreeningClear — 3 matches checked, none confirmed
SSL/TLS GradeTLSv1.3
HTTP SecurityC- (45/100)
Domain ReputationClean (no malware associations)
Infrastructure2 open ports, 0 CVEs
Malware & PhishingClean
IP ReputationAbuse score: 0%, 0 reports

Run your own investigation to see the full evidence chain, compliance assessment, and recommended actions.

Get Klarna's Full Report Free →

Executive Summary Preview

Klarna (Klarna Bank AB, LEI: 549300O3HXYXXUHR0897) is a Swedish-headquartered fintech and licensed bank operating globally in the buy-now-pay-later and consumer payments sector. ThirdProof's rule engine has assigned a Tier 3 (Moderate Risk) rating with 75% confidence, reflecting a mix of meaningful regulatory and security incidents against an otherwise stable technical foundation.

This is an excerpt. Run your own investigation to see the full assessment. Get Klarna's Full Report Free →

Key Findings for Klarna

SeverityFindingSource
highSignificant adverse media in historical archivesHistorical Media Search
infoClean domain reputationThreat Intelligence
lowNo subprocessor page foundSupply Chain & Subprocessor Discovery
lowThreat intelligence pulses detectedThreat Intelligence (OTX)
mediumNo public AI data usage policy foundAI Data Usage Policy

6 total findings. Get Klarna's Full Report Free →

Recommended Actions

  1. Request written remediation documentation for the November 2025 customer data exposure incident — ask Klarna's security team for an incident summary, affected data scope, and post-incident control changes. Set a 30-day deadline before finalizing engagement.
  2. Request written confirmation of AML and fraud compliance remediation: ask Klarna's compliance team for documentation confirming that the regulatory enforcement actions (AML fines, December 2024) have been formally resolved with their regulator, including any closure correspondence or remediation plan.
  3. Request the vendor's current SOC 2 Type II report — contact their security team directly or check klarna.com/security or trust.klarna.com; many enterprise vendors provide these under NDA. Also request their ISO 27001 certificate (number, issuing body, expiry) if applicable.
Get Klarna's Full Report Free →
183+
Vendors assessed
98%
Average confidence
<2 min
Time to report

Intelligence Sources Queried for Klarna

✓Sanctions & Watchlists
✓Business Registration
✓Adverse Media Scan
✓Company Intelligence
✓Domain Analysis
✓Infrastructure Exposure
✓Domain Registration
✓Threat Intelligence
✓Tech Community Sentiment
✓HTTP Security Scan
✓SSL/TLS Analysis
✓Certificate Transparency
✓Web Archive History
✓Threat Intel (OTX)
✓IP Reputation
✓Malware & Phishing Check
✓Website Security Scan
✓Trust & Compliance Scan
✓Subprocessor Discovery
✓FDIC Registry Check
✓SEC Filing Search
✓Historical Media Search
✓Certification Registry

ThirdProof uses a deterministic rules engine to assign risk tiers. AI writes the narrative — rules drive the decision.

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.

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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.

Get Klarna's Full Report Free →See PricingBook a Demo
✓ 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.