Klarna is a payment and shopping service that allows users to compare prices across different stores and choose to pay now or later. It offers flexible payment options such as splitting payments and managing purchases. Klarna also provides a range of features such as rewards, loyalty cards, and referrals, as well as hassle-free returns and delivery tracking.

1. Virtual Card: Enables customers to make online purchases without providing their personal payment information, increasing security and privacy.

2. Klarna Checkout: Provides a streamlined checkout process, making it easier and quicker for customers to complete their purchases.

3. One-Time Card: Allows customers to make a one-time payment without creating an account or providing their personal payment information.

4. In-Store Payment Options: Offers customers the ability to use Klarna for in-store purchases, expanding the company's reach beyond just online shopping.

5. Installment Loans: Provides customers with longer-term financing options for larger purchases, allowing them to spread out the cost over a longer period of time.

6. Mobile App: Gives customers the ability to manage their payments and purchases through a mobile app, making the process more convenient and accessible.

7. Personalized Shopping Experience: Uses customer data to offer personalized shopping recommendations and experiences, increasing customer satisfaction and loyalty.

8. Easy Returns: Offers a hassle-free returns process, with easy-to-use online tools for initiating returns and tracking the status of returns.