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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 global fintech company specializing in flexible payment solutions and e-commerce shopping services. The website targets consumers and businesses primarily in Finland but also internationally, offering services such as flexible payments, buyer protection, cashback, and a mobile app for seamless shopping experiences. The site demonstrates strong branding and a professional digital presence, reflecting Klarna's market position as a trusted payment provider. Technically, the site uses modern web technologies including React and Emotion CSS, with integrations for analytics and advertising through Google services. Security posture is solid with HTTPS and secure form practices, though explicit security headers and policies are not visible in the provided content. WHOIS data is unavailable, which is unusual but likely due to privacy protection common for large enterprises. Overall, the site is well-designed, user-friendly, and trustworthy, but could improve transparency around privacy, cookie policies, and security disclosures.

Scanned

This is an earlier scan of klarna.com. View the latest report

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, providing payment services that enable consumers to shop safely and pay flexibly. Its business model revolves around partnering with retailers and offering consumers multiple payment options, including installments and deferred payments. The company leverages a large user base and extensive partnerships with major brands, as evidenced by the cashback offers and partner logos displayed. Klarna's revenue streams likely include merchant fees, interest on financing options, and value-added services such as cashback programs. The target customers are tech-savvy consumers seeking convenient payment methods and retailers looking to increase sales conversion. The presence of a mobile app and integration with price comparison sites indicates a mature digital ecosystem supporting growth and customer engagement.

Security posture

The website enforces HTTPS and employs secure form input practices, reducing risks of data interception and injection attacks. However, the absence of visible security headers like Content-Security-Policy and X-Frame-Options suggests room for improvement in defense-in-depth. No exposed sensitive data or vulnerable libraries were detected in the HTML content. The lack of published security policies, incident response contacts, or vulnerability disclosure mechanisms limits transparency and may hinder rapid response to security incidents. Overall, Klarna's security posture appears strong but could benefit from enhanced security header implementation and public security documentation to align with best practices and regulatory expectations.

Recommendations

  1. Implement and publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
  2. Add security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to enhance protection.
  3. Provide a dedicated security or incident response page including contact channels like security@ or abuse@ emails.
  4. Publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  5. Enhance cookie consent mechanisms to ensure explicit user consent and transparency in tracking practices.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Klarna
Description
Klarna offers a payment service allowing customers to shop safely and pay immediately, after 30 days, or in installments. It provides flexible payment options, buyer protection, cashback, and a smooth checkout experience.
Key services
Flexible payments, Buyer protection, Cashback and offers, Shopping platform, Mobile app for shopping and payments
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
Frameworks
React
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure forms with autocomplete off
  • No visible sensitive data exposure

Analytics and tracking

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

Advertising

Ad networks
Google 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 fintech company.
  4. Multiple external domains related to analytics, advertising, and content delivery.
  5. No direct contact emails or phone numbers found in the HTML content.
  6. No social media links explicitly found in the provided HTML snippet.
  7. No security.txt or vulnerability disclosure information found.
  8. No explicit security or incident response policies found on the page.
  9. WHOIS data unavailable, which is unusual but not uncommon for large brands.
Technical notes

Notes

The website is built using modern front-end technologies including React and Emotion for styling, ensuring a responsive and performant user experience. It leverages web fonts and SVG graphics for crisp visuals and integrates with Google Tag Manager and Google Analytics for tracking and marketing analytics. The site is optimized for mobile devices and accessibility, with proper meta tags and SEO-friendly content structure. No CMS or hosting provider details were explicitly detected. Performance appears fast with preloading of critical assets and efficient resource loading. Technical risks are minimal but could include dependency on third-party analytics and ad services which require careful privacy management.
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 −8Medium24 findingsView report
  2. 80/100Low17 findingsView report
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