I think it&#x27;s better to see them as a payments platform.<p>You may be right that U.S. customers won&#x27;t prefer paying by invoice en masse -- and Klarna checkout offer that too.<p>Some consumers prefer immediate [debit card] to deferred payments [invoice or credit card], others want it the other way around.<p>Internet retailers can use Klarna&#x27;s payments platform to enable both immediate and deferred payments.