Klarna enables payments on third-party websites and apps, with flexible purchasing options such as paying upon delivery or over time (it also handles the finance, and says it is the largest company of its kind doing that), and, perhaps uniquely among finance startups, it is already profitable. That is not surprising. According to an investor deck from 2016 that TechCrunch was passed by a source last month — which, incidentally confirms the $2.25 billion valuation and $80 million fundraise, which had only been reported up to now — Klarna had processed transactions from 45 million users from 65,000 merchants in 18 countries, equivalent to 400,000 transactions per day.

https://techcrunch.com/2017/06/07/fashion-magnate-takes-225m-stake-in-swedish-payment-unicorn-klarna/