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475 points danielstocks | 1 comments | 27 May 21 10:28 UTC | HN request time: 0.2s | source

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josteink ◴[27 May 21 10:58 UTC] No.27301435[source]▶

Lots of times when I’ve been buying things in e-shops I’ve been offered to pay using Klarna as a payment broker.

But doing so has always been more confusing for me compared to “regular” payments with a credit card anywhere else, and has on overall been a negative experience for me.

I really don’t understand why anyone would prefer to use them at all.

What am I missing? Can anyone help me understand?

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1. dstergiou ◴[27 May 21 11:25 UTC] No.27301665[source]▶

>>27301435 #

You can get an invoice that you will pay later. Thus, you don't need to look for your credit card at the time of the purchase.

You can choose to pay at a later date

You can choose to split the payment into installments

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Klarna users are being signed in to random accounts