Klarna users are being signed in to random accounts

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?

Not sure where you are located, but in Sweden, Klarna at the start (if I remember it correctly) only needed your 'personnummer'(social security number) to process payments.

Now I think they manage to track your devices so I only have to enter my postal code, and then I just click purchase, and it's all done.

They used to use really weird/dark patterns, to make you forget to pay and then pay huge fees to Klarna.

Nowadays as I've configured Klarna, it just subtracts the amount from my bank account, hassle free, and I don't have to do a bunch of reserach wether or not the website is credible.

Somewhat like Paypal, but smooother.