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Security report for klarna.com

Klarna · Finance · Finland

Medium risk. 7 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

72/100

Risk levelMedium

0–100, higher is better. How it is calculated

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.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 100 · High
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

7 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

Need hands-on remediation? Email guard@offseq.com

Keep watching klarna.com

This scan found 15 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
72
Security headers
50
Email security
87
DNS health
90
Network security
100
GDPR outside view
35
Average
72

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

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

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.

Recommendations

  1. Implement and publish comprehensive privacy and cookie policies accessible from the main site.
  2. Add and enforce security headers such as CSP, HSTS, and X-Frame-Options to strengthen security posture.
  3. Establish and publicize a vulnerability disclosure program and security incident response contacts.
  4. Provide clear contact information including company emails and phone numbers for customer and security inquiries.
  5. Regularly audit WHOIS and domain registration information to ensure transparency and trustworthiness.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

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 maksut, Hintavertailu, Cashback ja tarjoukset, Ostajan turva, Mobiilisovellus ostosten hallintaan
Content quality
excellent
Branding
consistent

Technology

Stack
React, Emotion CSS-in-JS, SVG graphics, Web fonts (woff2), Google Tag Manager, Google Analytics, DoubleClick, CookieLaw.org scripts
Frameworks
React
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced (implied by URL)
  • No exposed sensitive data in HTML
  • Secure forms with autocomplete off for search

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
Google Ads, DoubleClick
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and no blocking detected.
  2. No explicit privacy, cookie, or terms of service pages found in the provided HTML snippet.
  3. Strong branding and professional design consistent with a major financial services company.
  4. Multiple external domains related to advertising and analytics are used.
  5. No direct contact emails or phone numbers found in the HTML content.
  6. WHOIS data is missing or unavailable, which is unusual for a .com domain of a major company.
  7. No security.txt or vulnerability disclosure information found.
  8. Content is safe for general audiences with no adult or questionable content.
Technical notes

Notes

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.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Earlier scans of this domain

  1. 72/100 −8Medium23 findingsView report
  2. 80/100Low17 findingsView report
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