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Is klarna.com a Scam? Security Check Results - Klarna

klarna.com Security Report Summary

klarna.com received a security score of 65 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Klarna's website security posture. Klarna operates in the Finance industry in Finland.

Klarna is a leading financial technology company specializing in consumer payment solutions and e-commerce services. The website provides users with price comparison tools, flexible payment options, and a mobile app to manage purchases and earn cashback. Klarna has a strong market presence with over 111 million users and partnerships with numerous retailers. The technical infrastructure is modern, leveraging React and various analytics and advertising technologies, ensuring a responsive and user-friendly experience. Security posture is generally strong with HTTPS and secure forms, though explicit security headers and policies are not visible in the provided content. The absence of WHOIS data is unusual but may be due to privacy protections. Overall, Klarna's website is professional, trustworthy, and well-optimized for its audience.

The security scan identified 24 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Emotion CSS-in-JS, SVG graphics, Web fonts (woff2), Google Tag Manager, Google Analytics, DoubleClick, CookieLaw.org scripts.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is klarna.com Safe? Security Analysis for Klarna

https://klarna.com

Check if klarna.com is a scam or legitimate. Free security scan and reviews.

FinanceFinlandlarge
ReactEmotion CSS-in-JSSVG graphicsWeb fonts (woff2)Google Tag Manager+3 more
Analyzed 10/7/2025Completed 12:30:20 PM5mo ago
65
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainklarna.com
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SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

Klarna is a leading financial technology company specializing in consumer payment solutions and e-commerce services. The website provides users with price comparison tools, flexible payment options, and a mobile app to manage purchases and earn cashback. Klarna has a strong market presence with over 111 million users and partnerships with numerous retailers. The technical infrastructure is modern, leveraging React and various analytics and advertising technologies, ensuring a responsive and user-friendly experience. Security posture is generally strong with HTTPS and secure forms, though explicit security headers and policies are not visible in the provided content. The absence of WHOIS data is unusual but may be due to privacy protections. Overall, Klarna's website is professional, trustworthy, and well-optimized for its audience.

Detected Technologies

ReactEmotion CSS-in-JSSVG graphicsWeb fonts (woff2)Google Tag ManagerGoogle AnalyticsDoubleClickCookieLaw.org scripts

12 urgent findings need attention

12 high

  • + 4 more findings in the full report below
Continuous monitoring

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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

4 findings

50/100

GDPR Compliance

4 findings

35/100

NIS2 Compliance

9 findings

2/100

Email Security

2 findings

87/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Klarna operates in the finance and e-commerce sectors, offering flexible payment solutions that appeal to both consumers and merchants. Its business model revolves around providing payment services, buyer protection, and cashback incentives, driving user engagement and merchant partnerships. The company targets a broad consumer base primarily in Finland and internationally, leveraging a mobile app and web platform. Klarna's competitive advantage lies in its seamless checkout experience and flexible payment options. The presence of partner domains like PriceRunner indicates a strategic ecosystem for price comparison and shopping convenience. Klarna's large user base and positive customer reviews underscore its market strength.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with HTTPS usage and secure input handling. However, the lack of visible security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options suggests room for improvement. No direct contact information for security incidents or vulnerability disclosure programs was found, indicating a potential gap in incident response readiness. The site does not expose sensitive data in the HTML, and no known vulnerabilities were detected in the analyzed content. Compliance with GDPR is implied but not explicitly documented in the provided content. Overall, Klarna maintains a solid security foundation but should enhance transparency and formal security policies.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and publish comprehensive privacy and cookie policies accessible from the main site.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Klarna

Description:

Klarna tarjoaa kuluttajille mahdollisuuden vertailla hintoja, lukea tuotearvosteluja ja käyttää hintavertailupalvelua löytääkseen parhaan hinnan. Lisäksi Klarna tarjoaa joustavia maksuvaihtoehtoja kuten maksun pilkkomisen eriin, 30 päivän maksuvapaan ajan ja välittömän maksun. Palvelu toimii sekä verkkokaupoissa että sovelluksessa, jossa käyttäjät voivat seurata kulutustaan ja ansaita cashbackia.

Key Services:
Joustavat maksutHintavertailuCashback ja tarjouksetOstajan turvaMobiilisovellus ostosten hallintaan
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactEmotion CSS-in-JSSVG graphicsWeb fonts (woff2)Google Tag ManagerGoogle AnalyticsDoubleClickCookieLaw.org scripts
Frameworks:
React
Platforms:
Web
Performance:

moderate

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
80/100
Best Practices:
  • HTTPS enforced (implied by URL)
  • No exposed sensitive data in HTML
  • Secure forms with autocomplete off for search

Analytics & Tracking

Services:
Google AnalyticsGoogle Tag Manager
Tracking Level:extensive
Privacy Compliance:basic

Advertising & Marketing

Ad Networks:
Google AdsDoubleClick
Transparency Level:good

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is fully accessible with rich content and no blocking detected.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

50/100
Score

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

35/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Facebook, Google Ads

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, banking, digital

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

87/100
Score

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:sendgrid.net include:_spf.google.com include:_spf.atlassian.net include:spf-0098b101.pphosted.com ip4:18.159.145.12 ip4:18.156.64.82 ip4:54.77.2.88 ip4:54.72.124.243 -all
DNS Lookups:4/10
Policy:-all
DKIM Selectors Found
Selector:s1(1440-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:dmarc-reports@klarna.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

72/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Mixed Content Detected

MEDIUM

1 resources loaded over insecure HTTP

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Enabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

90/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

DNS Records

A Records:3.173.23.37, 3.173.21.37, 3.173.22.37
Name Servers:
a1-74.akam.netDNS only
a12-65.akam.netDNS only
a20-66.akam.netDNS only
a5-64.akam.netDNS only
edns7.ultradns.comDNS only
edns7.ultradns.orgDNS only
MX Records:
10: mxz3.klarna.com
10: mxz1.klarna.com
10: mxz4.klarna.com
10: mxz2.klarna.com
SOA:Serial: 2017073506, TTL: 600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:42ms

SPF Analysis

SPF Record:
v=spf1 include:sendgrid.net include:_spf.google.com include:_spf.atlassian.net include:spf-0098b101.pphosted.com ip4:18.159.145.12 ip4:18.156.64.82 ip4:54.77.2.88 ip4:54.72.124.243 -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does klarna.com compare?

See how klarna.com stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built using React with Emotion for styling, indicating a modern front-end framework. It uses SVGs and web fonts for crisp visuals and supports responsive design for mobile optimization. Analytics and advertising are integrated via Google Tag Manager, Google Analytics, and DoubleClick, enabling extensive user tracking and marketing capabilities. The site shows good SEO practices with meta tags and Open Graph data. Performance is moderate, with preloading of key assets and preconnect hints to improve loading times. Accessibility features such as focus-visible styles and semantic HTML are present, enhancing usability. No CMS or hosting provider details were detected in the content. Overall, the technical infrastructure is robust and well-implemented.
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PDF Report & Export

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Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainklarna.com
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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