Vendor profile, wallet
Klarna
In short
Klarna launched the Agentic Product Protocol on 15 December 2025, an open feed that lets agents find products and prices, with the specification and API open to developers that day. The feed itself takes no payments. Klarna also appears as a payment option in Stripe's price list and Crossmint's agent checkout, and endorses UCP.
At a glance
- What it is
- Flexible payments provider and digital bank that launched the Agentic Product Protocol, an open product and price feed for AI agents, and is a pay-later method in agent checkouts and a UCP endorser.
- Type
- Wallet
- Homepage
- klarna.com
- Last read
What it does for this layer
- Klarna launched the Agentic Product Protocol on 15 Dec 2025 as an open standard to make products discoverable and understandable by AI agents. investors.klarna.com, read 5 Nov 2026, dated 15 Dec 2025.
- Klarna says the Agentic Product Protocol gives AI systems a live feed of more than 100 million products and 400 million prices standardised across 12 markets. investors.klarna.com, read 5 Nov 2026, dated 15 Dec 2025. Vendor claim
- Klarna's protocol API ingests Google Merchant, Shopify, Amazon, Facebook Catalog and CSV or JSON feeds. investors.klarna.com, read 5 Nov 2026.
- Klarna says merchants using the protocol get products surfaced by AI assistants "with no ads, paywalls, or intermediaries". investors.klarna.com, read 5 Nov 2026.
- Klarna made the Agentic Product Protocol specification and API available to developers, AI platforms and merchants on launch day. investors.klarna.com, read 5 Nov 2026, dated 15 Dec 2025.
- Stripe's US pricing lists Klarna at 5.99% + 30 cents per successful transaction. stripe.com, read 5 Nov 2026. Secondary source
- Crossmint lists Klarna among the payment methods its Agent Checkouts can use. docs.crossmint.com, read 5 Nov 2026. Secondary source
Partner lists that name it
| Where it appears | Source | Basis | Read |
|---|---|---|---|
| Endorser list of the Universal Commerce Protocol | ucp.dev | Secondary source | 5 Nov 2026 |
Products and plans
| Product | What it is | Price on file |
|---|---|---|
| Agentic Product Protocol | An open product and price feed standard for AI agents. | No price on file |
| Klarna pay later | Buy now, pay later financing offered at checkout, including agent checkouts through partners. | per transaction (merchant) 5.99% + 30 cents per successful transaction through Stripe (US) (USD) Stripe's listed rate for Klarna; Klarna's direct merchant pricing varies. stripe.com, as of 5 Nov 2026 |
Standards
| Standard | Status | Evidence and source |
|---|---|---|
| ACP | no statement | None in the pages read, 5 Nov 2026 |
| UCP | announced | ucp.dev, read 5 Nov 2026 |
| AP2 | no statement | None in the pages read, 5 Nov 2026 |
| Visa TAP | no statement | None in the pages read, 5 Nov 2026 |
| Visa IC | no statement | None in the pages read, 5 Nov 2026 |
| Mastercard Agent Pay | no statement | None in the pages read, 5 Nov 2026 |
| Agent Pay for Machines | no statement | None in the pages read, 5 Nov 2026 |
| Amex ACE | no statement | None in the pages read, 5 Nov 2026 |
| x402 | no statement | None in the pages read, 5 Nov 2026 |
| MPP | no statement | None in the pages read, 5 Nov 2026 |
| Link for agents | no statement | None in the pages read, 5 Nov 2026 |
| Verifiable Intent | no statement | None in the pages read, 5 Nov 2026 |
Checks on this vendor's domains
| Check | Result | Domain read | Dated | Source |
|---|---|---|---|---|
| Ora agent-readiness score (cached) | 64/100 (C) | klarna.com | 16 Oct 2026 | ora.ai |
| robots.txt | HTTP 200, 1 user-agent groups | klarna.com | 4 Nov 2026 | klarna.com |
| llms.txt | HTTP 200 | klarna.com | 4 Nov 2026 | klarna.com |
| UCP profile at /.well-known/ucp.json | HTTP 404 | klarna.com | 4 Nov 2026 | klarna.com |
| Cloudflare isitagentready scan | 20/100 (L1 Basic Web Presence) | klarna.com | 5 Nov 2026 | POST /api/scan on isitagentready.com, documented in llms-full.txt |
| Homepage fetch at build | HTTP 200 | klarna.com | 5 Nov 2026 | klarna.com |
What it does not do
- Klarna's Agentic Product Protocol does not process payments; it is a discovery feed.
- Klarna does not publish which AI platforms consume the Agentic Product Protocol feed in its launch release.
Related pages on this site
- All wallets and pay-later services in the vendors section
- All vendors
Sources
- klarna.com, read 5 Nov 2026
- Klarna Launches Agentic Product Protocol: The Open Standard That Makes 100M+ Products Instantly Discoverable by AI Agents, read 5 Nov 2026
- stripe.com/pricing, read 5 Nov 2026
- docs.crossmint.com/agents/overview, read 5 Nov 2026
- ucp.dev/, read 5 Nov 2026
- Ora cached score record for klarna.com, read 5 Nov 2026
- robots.txt of klarna.com, read 4 Nov 2026
- llms.txt of klarna.com, read 4 Nov 2026
- UCP profile path on klarna.com, read 4 Nov 2026
- isitagentready scan service documentation (llms-full.txt), read 5 Nov 2026
Last reviewed