3 ms·
For one thing, it offloads the risk inherent in online transactions -- you buying an iPad and getting a brick and the seller actually getting her money. Second
by tilt_error 11y ago
For one thing, it offloads the risk inherent in online transactions -- you buying an iPad and getting a brick and the seller actually getting her money.
Second, it makes dealing with payment a _lot_ easier for any internet business. You know the headlines from hacking where a lot of credit card numbers are stolen. Using Klarna, the internet company does not have to handle credit numbers by offloading that whole thing to a trusted third party.
An online store using Klarna is really a stamp of quality on that business.
Disclosure: I'm writing this from Sweden where Klarna is based, but I am not affiliated with the company. I did some research into online payment for a customer (a municipality) a while ago and came across Klarna.
- eponeponepon 11y agoMm, I'm not speaking against it by any stretch, just to be clear. To be honest, I like the approach more - there's a lot to be said for more pervasive trust in commerce between vendor and customer; it feels nicer to me. Naturally there are related problems that one has to solve, but the major one (unintentionally extending credit to someone you shouldn't have) is, I think, a lot less of an issue than commerce at large instinctively thinks.
- deleted 11y ago[deleted]
- seivan 11y agoStripe does all of that. What klarna allows, is that you can pay with credit as a person without owning a credit card.