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On the basic metrics alone, the score was 41.8 and the rank 6. The score is now 20.9 and rank 6 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
Klarna on tunnettu maksu- ja checkout-toimija, ja se esittelee kauppiaalle tarjottavat maksutavat (koko summa heti, 30 päivää, 3 tai 4 erää, rahoitus) sekä nimeää operoivan yhtiön Klarna Bank AB (publ). Läpinäkyvyys jää kuitenkin heikoksi: transaktiopalkkiota, kuukausimaksua, tilitysviivettä eikä sopimusehtoja kerrota julkisesti, vaan hinnoittelu on myyntikontaktin ja kauppiasportaalin takana.
Buying motives checked 16.10.2026 and basic metrics measured 20.8.2026 from public sources. The same formula for everyone, read the full methodology.
| Monthly fee | 22 p × 0.0 % | 0.0 |
| Price shown before contract | 14 p × 0.0 % | 0.0 |
| Finnish online bank payments | 14 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 41,8 | 20.9 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Monthly fee | Klarna's business page (klarna.com/international/enterprise) does not publish merchant prices and does not mention online bank payments. The Finnish-language business page klarna.com/fi/yritys returned 404. | klarna.com, enterprise checked 16.10.2026 | 0.0 / 22 |
| Price shown before contract | Klarna's business page (klarna.com/international/enterprise) does not publish merchant prices and does not mention online bank payments. The Finnish-language business page klarna.com/fi/yritys returned 404. | klarna.com, enterprise checked 16.10.2026 | 0.0 / 14 |
| Finnish online bank payments | Klarna's business page (klarna.com/international/enterprise) does not publish merchant prices and does not mention online bank payments. The Finnish-language business page klarna.com/fi/yritys returned 404. | klarna.com, enterprise checked 16.10.2026 | 0.0 / 14 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 69,4 | 20.8 |
| Transparency | 30 % × 22,5 | 6.8 |
| Reachability | 20 % × 17,5 | 3.5 |
| AI quality score | 20 % × 53,5 | 10.7 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 37/100 | Technical measurement | 14.8 / 40 |
| Accessibility | 86/100 | Technical measurement | 25.8 / 30 |
| Findability (SEO) | 92/100 | Technical measurement | 13.8 / 15 |
| Technical practices | 100/100 | Technical measurement | 15.0 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Transaction fee (% share and fixed per-transaction) displayed without sales contact OBSERVATIONyritys-/kauppiassivulla ei esitetä transaktiopalkkiota eikä hintoja; sivu ohjaa toiminnot 'Launch payments' ja 'Go to portal', ja hinnoittelu on saatavilla vain suoran yhteydenoton kautta. | No | Website + AI extraction | 0.0 / 25 |
| Monthly or opening fee displayed OBSERVATIONkuukausi- tai avausmaksua ei kerrota julkisesti kauppiassivulla. | No | Website + AI extraction | 0.0 / 15 |
| Supported payment methods (card, online banking, MobilePay, invoice) listed OBSERVATIONYrityssivu: tarjottavat maksutavat 'Pay in full', 'Pay in 30 days', 'Pay in 3 or 4' ja 'Financing' (Klarnan omat maksutavat). | Partly | Website + AI extraction | 7.5 / 15 |
| Settlement delay (when the money reaches the merchant's account) stated OBSERVATIONtilityksen viivettä ei mainita julkisella kauppiassivulla. | No | Website + AI extraction | 0.0 / 15 |
| Contract binding period and termination stated OBSERVATIONsopimuksen sitovuutta tai irtisanomisehtoja ei kerrota julkisella kauppiassivulla. | No | Website + AI extraction | 0.0 / 10 |
| Integrations with online store platforms stated OBSERVATIONYrityssivu: mainitaan että kumppanit kuten Stripe, Adyen ja Mollie helpottavat integraatiota, mutta liitännäisten yksityiskohtia ei eritellä. | Partly | Website + AI extraction | 5.0 / 10 |
| Operating company or business ID (Y-tunnus) shown OBSERVATIONYrityssivu nimeää operoivan yhtiön 'Klarna Bank AB (publ)', kotipaikka Tukholma, Ruotsi. | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | No | Website + AI extraction | 0.0 / 30 |
| Email shown | No | Website + AI extraction | 0.0 / 15 |
| Chat support | No | Website + AI extraction | 0.0 / 15 |
| Opening hours shown | No | Website + AI extraction | 0.0 / 15 |
| FAQ section | Partly | Website + AI extraction | 7.5 / 15 |
| Mobile app | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 70/100 | AI analysis | 23.8 / 34 |
| Findability of pricing | 30/100 | AI analysis | 9.9 / 33 |
| Content coverage | 60/100 | AI analysis | 19.8 / 33 |
Are you a customer of the Klarna service? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +79.1 points: 20.9 → 100.0, rank 6 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
