Klarna’s European presence is strong, based on the back of its credit card-alternative payment method, which allows customers to pay over time, with the purchase price broken up over four equal installments, but directly from their bank accounts and without incurring any interest. The company also offers pay-now options to provide both retailers and their customers so people can pay more traditionally, too.

https://techcrunch.com/2019/08/06/klarna-raises-460-million-looks-to-expand-its-payments-presence-in-the-u-s/