Pan-European partnership: how Klarna and PAIR Finance redefine collections performance.
traditional agencies.
Klarna x PAIR Finance.
The partnership brings together Klarna’s innovative, customer-centric approach and PAIR Finance’s AI-powered recovery expertise, ensuring the highest recovery rates, seamless user experience, and international scalability.
PAIR Finance is now active for Klarna in 8 European countries, including key markets like Germany, Sweden, France, Spain, Austria and the Netherlands.
Digital gap: Klarna’s advanced business model was at odds with outdated collection methods.
International expansion: New markets demanded both local expertise and consistent quality.
High expectations: Klarna required a partner matching their digital and customer-centric standards.
Regulatory complexity: Operating across Europe called for a collections partner with a strong understanding of compliance and evolving legal requirements.
Technical challenges: Integrating an advanced international API to serve all countries through a single solution.
PAIR Finance’s AI-powered platform integrates directly with Klarna via API, enabling real-time, bidirectional data exchange and eliminating complicated file exchange via SFTP servers. Repayment progress is synchronised instantly between both systems, ensuring transparency and efficiency at every stage.
Advanced machine learning models, refined through millions of consumer interactions, determine the optimal timing, channel, and tone for each communication – delivering flexible, personalised payment options to consumers in every market.
This data-driven approach not only boosts recovery but also helps identify potential fraud. Transparent benchmarking allows Klarna to monitor and optimise performance continuously, raising both efficiency and customer experience to a new standard.
PAIR Finance delivers recovery rates far beyond traditional DCAs, reflecting the outstanding results achieved across all markets. Today, PAIR Finance is one of Klarna’s leading collections partners across multiple European countries, consistently delivering high-quality results and driving value wherever we operate together.
PAIR Finance is a respected partner on all compliance and regulatory matters, supporting Klarna through ongoing changes in a dynamic European regulatory landscape. Topics such as the Secondary Credit Market Act and ISO 27001 certification are always on the radar, with PAIR Finance acting as a trusted sparring partner to ensure Klarna remains at the forefront of compliance.
“PAIR Finance is one of the most dynamic players in AI-powered debt collection in Europe and a key part of our international strategy. Klarna’s vision is to empower people everywhere through seamless, personalised commerce experiences and with PAIR Finance, we’re able to deliver on that promise. The partnership has consistently exceeded our expectations, ensuring higher recovery rates, significant time savings, and strong compliance support across all countries. We look forward to expanding our collaboration to offer shoppers even greater flexibility and smarter ways to resolve outstanding claims.”
VP Debt Collection
Klarna AB
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