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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.

24 sources queried. 75% 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.

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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
3Tier

Moderate Risk

Klarna

Vendor Risk Assessment

Confidence Score75%

Based on data availability and source coverage

24

Sources Queried

20

Sources With Data

March 25, 2026

Last Assessed

Executive Summary

AI-generated analysis for Klarna

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. On the positive side, Klarna presents several constructive signals:

Key Findings

  • The domain carries a fully clean threat reputation — not listed on SURBL, Spamhaus DBL, or Malware detection service, with zero abuse reports against its IP infrastructure.
  • Infrastructure exposure is minimal: only 2 open ports (80 and 443) are externally visible, both standard web services, with zero known CVEs — a footprint well below the SaaS industry average of 8–12 open ports, consistent with a mature, CDN-fronted architecture.
  • Klarna is actively registered as a legal entity (Legal Entity Registry ACTIVE status) and returns clean results across all sanctions and watchlist screening, with no confirmed matches on OFAC, EU, or UN lists.
  • The domain resolves with a valid TLS 1.3 certificate issued by Amazon, with no weak protocols or weak ciphers detected. Several concerns warrant attention before engagement or continued use at medium data access levels:
  • Historical media archives contain two high-severity findings: a reported customer data exposure glitch (Business Insider, November 2025) and a $46M regulatory fine for fraud regulation violations (FinAi News, October 2025). Additional coverage from December 2024 across multiple outlets — including the Financial Times and Reuters — references a separate ~$50M AML fine from Sweden's financial regulator, and a GDPR fine of $733,000 from March 2024. This pattern of regulatory enforcement across multiple jurisdictions is a material risk signal for compliance-sensitive buyers.
  • Klarna's marketing domain (klarna.com) received an HTTP security grade of C- (45/100) from HTTP security scanner, with missing headers including Strict-Transport-Security, Content-Security-Policy, and X-Frame-Options. While this scan targets the public marketing site rather than the application endpoint, it represents a gap that security-conscious procurement teams should flag.
  • No publicly accessible subprocessor list was found, limiting supply chain risk assessment for GDPR Article 28 compliance purposes.
  • No compliance certifications (SOC 2, ISO 27001, PCI DSS, HITRUST) were identified through trust page scanning or independent registry verification.
  • No public AI data usage policy was discoverable, a notable gap given Klarna's widely reported AI-first operational strategy. Overall, Klarna is a recognizable, legally registered financial institution with clean domain and infrastructure hygiene, but carries a documented pattern of regulatory enforcement actions and transparency gaps that justify a conditional engagement posture. Procurement teams should seek direct certification documentation and clarification on AI data handling before proceeding.

Independence Statement

All evidence cited in this report was sourced independently through ThirdProof's external data collection infrastructure without vendor participation, notification, or input.

Investigation Findings

6 findings identified for Klarna

1 high5 medium
high

Adverse Media: Data exposure glitch affecting customer data

2 article(s) reference significant concerns for "Klarna": "Internal messages reveal how Klarna scrambled to fix a glitch that exposed custo..." (Business Insider) https://news.google.com/rss/articles/CBMihwFBVV95cUxQamllci1hRGxSMU9XdlN0RzNvVWo4TmdpY09qbnNTV2xTS3BiVm44Sy0wMFJFbGplYXZhbWw5blAzWUxiYkpkNHpMVW1PSzJhelJKQTZwYXhKbUsyTUt5N2prczU0Z3YyQlozOWtXU2hpVHdaRXZaZU5KSnRZR3F6cHFOd0NFVms?oc=5; "Klarna fined $46M for neglecting fraud regulations" (FinAi News) https://news.google.com/rss/articles/CBMijwFBVV95cUxQdTF6Sy1reGJBSU9QdlUwLWtVcGpPUTF3M0lkYklmQUI5cXFDSUlpYm5BZ3huVVRqY0tUSW0tUi1RbUh0TFplSGhJb0p5MEJ2RXRBY2Z3QWpVakIwS1IxSTk5dVFDYVBqOV81cERQMEdYQ0p3a2R5aDN3UXN2bVJrNUpjRjhuZ2lKd2tacFBIbw?oc=5

Source:Historical Media Searchnews.google.com →
medium

Adverse Media Scan Unavailable

A critical data source was unavailable during this investigation. Manual verification is recommended.

Source:Adverse Media Scan (Fallback)
medium

Missing Security Headers

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

Source:Domain Analysisdns.google →
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.

Source:HTTP Security Scandeveloper.mozilla.org →
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.

Source:Supply Chain & Subprocessor Discoveryklarna.com →
medium

AI Data Usage Policy Not Discoverable at Standard Paths

An AI-specific data usage policy was not discoverable for klarna.com through automated scanning of common policy paths and web search. The vendor may publish relevant data handling commitments in enterprise agreement documents (DPAs, product terms, licensing portals) that are not indexed at standard public URLs. Request the vendor's Data Protection Addendum or AI-specific terms directly.

Source:AI Data Usage Policygoogle.com →
✓

Security Strengths

18 positive signals verified

✓

Legal Entity Actively Registered

Business Registration →
✓

Low-Confidence Sanctions Matches Only

Sanctions & Watchlist Screening →
✓

Firmographic Data Available

Company Intelligence →
✓

Valid SSL Certificate

Domain Analysis →
✓

2 Open Ports Detected

Infrastructure Exposure →
✓

Domain Registration Unavailable

Domain Registration →
✓

Clean domain reputation

Threat Intelligence →
✓

Notable Tech Community Presence

Tech Community Sentiment →
✓

Certificate Data from TLS Handshake

Certificate Transparency →
✓

Web Archive History Unavailable

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 →
✓

SOC 2 Compliance Not Publicly Verifiable

Certification Registry Verification →

Recommended Actions

Steps to address findings for Klarna

  1. 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. 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. 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.

    SOC 2 Overview (AICPA)ISO 27001 Standard
  4. 4

    Request Klarna's GDPR Article 28 subprocessor list along with their Data Protection Addendum (DPA) — contact their legal or DPO team and ask for the current version including transfer mechanisms for any subprocessors located outside the EEA.

    GDPR Full TextDPA Template (GDPR Art. 28)
  5. 5

    Request written AI data handling commitments before granting medium data access — specifically ask whether customer data is used for AI model training, which third-party AI infrastructure providers have access to data, and what the data retention period is for AI-processed interactions. Request this as a formal addendum to your agreement.

  6. 6

    Verify the HTTP security headers of the application endpoint (app.klarna.com) separately — use HTTP security scanner at https://observatory.mozilla.org/ or securityheaders.com to assess the application domain independently of the marketing site grade reported here.

    Check Security Headers
  7. 7

    Document all of the above requests and responses in your vendor risk register with dates. Schedule an annual reassessment and set a flag to monitor for any new regulatory enforcement actions given the pattern identified in this assessment.

    NIST Supply Chain Risk (SP 800-161)

Intelligence Sources Queried

24 sources in this assessment

20of 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
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
Threat Intelligence
Certificate Transparency
Adverse Media Scan (Fallback)
Web Archive History
Domain Registration

Data Coverage Notes

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

  • The primary adverse media scan source was unavailable during this investigation. The historical media search and Google News archive were used as supplementary sources, but recent news coverage from the past 30 days may not be fully represented.
  • Domain registration details (registrar, registration date, expiry) were unavailable due to a data source issue. Domain age and registrar cannot be independently confirmed for this assessment.
  • Certificate Transparency log data from Certificate Transparency service was partially unavailable. Subdomain enumeration via CT logs could not be completed; only basic certificate data extracted from a direct TLS connection is available.
  • Web archive history was unavailable, preventing independent confirmation of domain establishment timeline via the Web archive service.
  • External cyber risk scoring was not available for this assessment, which would typically provide a scored benchmark of the vendor's overall security posture relative to industry peers.
  • The HTTP security grade (C-) was assessed against klarna.com (the marketing site). The application endpoint (app.klarna.com) was detected but not separately scanned — application-layer security headers may differ materially from those observed on the marketing domain.
  • No subprocessor list was found, meaning downstream third-party risk within Klarna's supply chain could not be assessed during 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.

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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.

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

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