Klarna is a Swedish company founded by Sebastian Siemiątkowski, which is considered one of the pioneers of the service known as deferred payments. Klarna is also one of the most expensive fintechs in the world (after the last round of financing it was valued at over USD 45 billion) and operates globally. Also in Poland, through the German online payment operator Sofort, which was acquired a few years ago. Now it is entering Poland with its flagship product.

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According to cashless.pl, in August Klarna will officially offer deferred payments in Poland. Currently the service is being tested in selected online shops. On Klarna's Polish website, you can get acquainted with the terms of the solution, which is called Zapłać za 30 dni. It indicates the term of deferred payment at no cost for consumers. However, the cost for the shop is 2.99 percent plus 50 groszy per transaction.

Deferred payments are currently one of the most important trends in e-commerce. This service, which a few years ago not many people heard about, today becomes indispensable for every online shop that wants to increase its turnover. It allows the consumer to order a package and pay after a few dozen days, but the shop immediately receives payment and can proceed to carry out the order. On the other hand, after receiving the package, the consumer can, for example, try on clothes and if he or she decides not to buy them, send them back without having to use his or her own resources.

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The Polish market is becoming an arena for an interesting fight for the fast-growing group of customers using deferred payments. Polish fintech PayPo, which in the past had Alior among its shareholders, operates here. Allegro Pay, which dynamically increases the scale of its activity, operates on the largest e-commerce platform. The Czech Twisto, recently acquired by the Australian deferred payment giant Zip, has been developing its services here for several years. Other companies, such as Przelewy24, are also offering their solutions.

The entry of Klarna may mean a completely new hand of cards in the competition for supremacy in Poland. Unless the existing players have managed to strengthen their position to such an extent that Klarna will not repeat its success from other markets. It could be a bit like Sofort, which has triumphed abroad but failed to achieve a large scale of operation in Poland, or Amazon, which has entered Poland after many years, but so far is not likely to threaten the domestic Allegro.