this post was submitted on 13 Jan 2025
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A Boring Dystopia
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I dont use Klarna myself, but from what I've heard from people that do use it, it's a decent company.
For one, their business model isn't based on trapping people I debt, but is more akin to PayPal, in that what they do is offer a transaction service. Most people I've heard of just use it to handle online transactions, without using the "split up payment" version. I've been told one reason (besides protecting their payment information from third parties) is that if they return something, they just forward confirmation that it was returned to Klarna, and the payment is cancelled. That way, they can buy stuff and only pay if they actually keep it, rather than having to go after some company to get their money back.
On general grounds though, I'm sceptical of any "buy now, pay later" service.