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Klarna scores 63 out of 100 on the Agent Readiness Index
Klarna reaches level 2, Legible. Web experience is the strongest area at 94 out of 100. Protocol access is the weakest at 0.
Klarna was scanned on October 3, 2026. Its score is 63 out of 100, level 2, Legible. An agent can read and cite your content. To reach level 3, Connectable: Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file.
Website: klarna.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 84 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 0 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 80 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 94 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | 75 out of 100, worth 10 points | Do your terms allow agents that act for customers? |
What is holding Klarna back
- MCP server, 8 points lost. No MCP server, server card or registry entry was found for this organization. Fix: Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well known/mcp/server card.
- Developer and data sharing program, 4 points lost. No developer portal or data sharing program was found on public pages. Fix: Document the program, the standard in use for example FDX in US banking, the supported partners and a sandbox.
- Structured data on the home page, 3 points lost. No JSON LD structured data was found on the home page. Fix: Add JSON LD for your organization type, Product or Service, Offer and FAQPage on the pages customers ask about most.
- Public API documentation, 3 points lost. No public API documentation was found. Fix: Publish an OpenAPI document for customer facing APIs on a developer portal.
What already works
- OAuth and OpenID metadata
- Sign in page loads for a declared agent in a browser
- llms.txt guide for agents
How Klarna compares
Ranked 7 of 17 on the Payments and fintech leaderboard. The average score for payments and fintech is 56.8 out of 100 across 39 organizations. The average across all 1,421 scored organizations is 42.2 out of 100.
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