Klarna is a weird company. Last I interacted with them it was clear that they are completely designed to operate within Sweden, but have no idea of how to deal with the outside world. Maybe that have changed.
I talked to Klarna maybe 10 years ago. One of the things I wanted to know was how they dealt with abuse in Sweden, given you just need the social security number of a person and then you can do purchase as that person, and Swedish SSNs are not secret.
The friendly Klarna rep. had no idea what I meant, as you could only get stuff delivered to the address associated with the SSN. Based on how that would be abused in Denmark we suggested ordering a box of random sex toys to any random person in Sweden. The only answer I got was "Why would anyone do that?"
It took less than six month for Klarna to start asking us to block addresses, because they had no way to prevent abuse.
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