The irony is, as a buyer, I trust unknown Johnny's Little Online Store as much as Klarna. Maybe even more, since I can give a Little Johnny the benefit of the d

The irony is, as a buyer, I trust unknown Johnny's Little Online Store as much as Klarna. Maybe even more, since I can give a Little Johnny the benefit of the doubt. But in practice it's either invoice, PayPal or CC. Even if Klarna process that payment in the background, I can still object to my CC company and let them settle it, instead of having to deal with them.