per Google: “Klarna is a Swedish fintech company and digital bank known for its “buy now, pay later” (BNPL) services, letting shoppers split purchases into interest-free installments (like “Pay in 4”) or pay in full within 30 days, offering flexibility and control over payments for online and in-store shopping. It partners with retailers and provides various payment plans, acting as a lender by paying merchants upfront and collecting payments from consumers, often through automated card charges. “