Klarna · Finance · Germany
Medium risk. 7 critical or high findings in Security headers, GDPR outside view and 1 other check.
Klarna is a leading fintech company specializing in flexible payment solutions and buyer protection services, primarily targeting consumers and merchants in Germany and other international markets. The website showcases Klarna's diverse payment options, including immediate payment, deferred payment, installment plans, and credit card services, supported by a well-designed and user-friendly digital platform. The company positions itself strongly in the e-commerce and finance sectors, emphasizing convenience, security, and cashback benefits to enhance customer experience. Technically, the website employs modern web technologies such as React and Emotion for styling, integrates multiple third-party analytics and advertising services including Google Analytics and Google Ads, and enforces HTTPS with robust security headers. The site is optimized for mobile devices and accessibility, providing a fast and seamless user experience. Privacy and cookie policies are present and indicate GDPR compliance, although explicit contact information for privacy or security inquiries is not readily available. From a security perspective, Klarna demonstrates a mature posture with HTTPS enforcement, security headers, and no visible vulnerabilities or exposed sensitive data. However, the absence of a public security policy, incident response details, or vulnerability disclosure program suggests areas for improvement in transparency and security communication. The WHOIS data is unavailable, which raises minor concerns but is not uncommon for large fintech firms using privacy services. Overall, the domain and website appear legitimate and trustworthy based on branding, content quality, and external trust indicators. Strategically, Klarna should consider enhancing its security and privacy transparency by publishing dedicated policies and contact channels, and possibly implementing a vulnerability disclosure program. These steps would strengthen user trust and compliance posture. Continued investment in technical modernization and user experience will support Klarna's market leadership and growth in the competitive fintech landscape.
Scanned
NIS2 Art. 21(2)
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.
7 findings rated critical or high. Fix these first.
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.
Prevents clickjacking attacks
What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"
Controls resources the browser is allowed to load
What to do: Implement a Content-Security-Policy appropriate for your application
These are the privacy signals visitors and data protection authorities look for under GDPR.
GDPR requires a clear and accessible privacy policy
What to do: Add a comprehensive privacy policy page and link to it prominently
GDPR requires clear information about cookie usage
What to do: Add a dedicated cookie policy explaining cookie usage and purposes
GDPR requires explicit consent for non-essential cookies
What to do: Implement a cookie consent banner that appears on first visit
Detected services: Google Analytics, Facebook, Google Ads
What to do: Document all third-party data sharing in your privacy policy
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Each check with its score, findings and the evidence it collected.
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
Not counted
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.
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
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Leaked records that mention klarna.de, from OffSeq Breach.
2 subdomains affected
See the 10 newest leaked credentials
A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for klarna.de.
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Breach keeps ingesting new leaks, so these numbers can grow between scans.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Automated reading of the public site. Ratings are indicative.
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
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