Klarna (formerly known as SOFORT Bankin) allows end users to pay with familiar online banking details which means maximum security due to the confidential login details and confirmation code. Klarna is a real-time bank transfer and payment solution popular in Europe in Sweden, Finland, Norway, Denmark, Germany, Austria, Netherlands, Switzerland, Belgium, UK, Italy, Spain, and Poland. Klarna had more than 60 millions users in 2018.