[the_mitsuhiko]

Klarna in Europe I think for most people I know is a "i made this mistake once" experience. I know nobody who picked the Klarna transaction type more than once.

The checkout is super quick only to be frustrated with the payment process later. And since it's Klarna that comes after you to collect payment it can eventually backfire on the business that you ordered from as well.

[ullevaal]

What's wrong with the payment process in your country? Where I am it's as easy as paying any invoice I get from a credit card company or I can by with debit card.

Also in my country, in Europe, Klarna is mentioned more and more in news articles about consumer debt and predatory lending, so I think their market share among people who keep credit card balances is increasing. They have stopped or kept pending unusually large purchases by me pending a credit check, but they could probably do a lot more to not get a reputation as lumped together with the most predatory consumer loan banks.

[the_mitsuhiko]

The issue is you order something, your significant other unpacks the thing and disposes the paper which includes the invoice to be paid. Only weeks later you get notified that you did not pay.

[tyldum]

Could be different in your country, but here in Norway there wouldn't be an invoice in the box. The whole idea is that payment is totally separate. Email invoice or separate invoice per post, unless you pay immediately when ordering.

The shop you ordered from does not know or care how the transaction is done between you and Klarna.

[the_mitsuhiko]

Quite honestly I don't care enough to give it another try. Credit cards work just fine.