Klarna is very easy to use. They take a large part of the risk. The seller typically sells the purchases to them. It may be different in different countries bu

Klarna is very easy to use. They take a large part of the risk. The seller typically sells the purchases to them. It may be different in different countries but the thing with the interest free credit is that once you don't pay on time it is converted into a revolving credit with high interest rate and something like a 60 months payment plan. Klarna have also historically made up own names for fees to circumvent regulations for regulated fees. They were among the first to remove days of grace and among the first to use a fixed number of days from purchase to due date.