private static function _getPayArray($sum, $pclass, $flags)
    {
        $monthsfee = 0;
        if ($flags === KlarnaFlags::CHECKOUT_PAGE) {
            $monthsfee = $pclass->getInvoiceFee();
        }
        $startfee = 0;
        if ($flags === KlarnaFlags::CHECKOUT_PAGE) {
            $startfee = $pclass->getStartFee();
        }

        //Include start fee in sum
        $sum += $startfee;

        $base = ($pclass->getType() === KlarnaPClass::ACCOUNT);
        $lowest = self::get_lowest_payment_for_account($pclass->getCountry());

        if ($flags == KlarnaFlags::CHECKOUT_PAGE) {
            $minpay = ($pclass->getType() === KlarnaPClass::ACCOUNT) ? $lowest : 0;
        } else {
            $minpay = 0;
        }

        $payment = self::_annuity(
            $sum,
            $pclass->getMonths(),
            $pclass->getInterestRate()
        );

        //Add monthly fee
        $payment += $monthsfee;

        return  self::_fulpacc(
            $sum,
            $pclass->getInterestRate(),
            $monthsfee,
            $minpay,
            $payment,
            $pclass->getMonths(),
            $base
        );
    }