Klarna is from Sweden, as far as I know. But their business practices don’t make them better than Paypal. Some years ago I had to use them as payment method for an item I bought online. Unfortunately, that item was not availiable anywhere else and this shop did not offer Paypal as a method of payment, other than credit card, which I don’t have. So I had to go through Klarna.

Klarna wants you to coerce into handing over your online banking credentials so that they can take care of the payment. That’s a big No-No. Luckily I was able to pay per invoice, meaning that I had to wire the money to Klarna by myself. Klarna does act in the same way as Paypal: when you buy an item online, Klarna pays up for it, but you have to reimburse them.

This is my experience with Klarna, which was in 2021. Your experience may differ.