Klarna Daily Active Users Top 9 Million as Digital Banking Push Accelerates

Swedish fintech company Klarna connects consumers and retailers through buy now, pay later (BNPL) and digital payment services. Its merchant base is a key measure of the scale of its transaction network, merchant adoption and potential future payments revenue. The expansion also shows BNPL moving beyond e-commerce checkout into a wider range of everyday spending categories.

Klarna said its global merchant base had surpassed 1 million, up 47% from a year earlier. The company added 285,000 merchants in 2025, providing the main impetus for crossing the 1 million threshold. Payments growth was especially strong in categories including leisure and sports during the same period, indicating that new merchant partnerships have begun translating into actual transaction momentum.

Swedish fintech company Klarna began as a buy now, pay later provider and has expanded into everyday spending through Klarna Card in recent years. The card lets customers spend funds directly from their accounts or choose installment payments for specific purchases such as travel and home appliances. It combines flexible payment and budgeting features in a single card.

Klarna announced on March 19, 2026, that Klarna Card had surpassed 5 million active users across 16 countries, reaching the milestone in the first quarter. On May 14, the company reported first-quarter transaction volume of $33.7 billion, up 33% year over year, and revenue of $1.01 billion, up 44%. The figures indicate that growing card adoption is driving user engagement and revenue.