For one thing, it offloads the risk inherent in online transactions -- you buying an iPad and getting a brick and the seller actually getting her money.<p>Second, it makes dealing with payment a _lot_ easier for any internet business. You know the headlines from hacking where a lot of credit card numbers are stolen. Using Klarna, the internet company does not have to handle credit numbers by offloading that whole thing to a trusted third party.<p>An online store using Klarna is really a stamp of quality on that business.<p>Disclosure: I&#x27;m writing this from Sweden where Klarna is based, but I am not affiliated with the company. I did some research into online payment for a customer (a municipality) a while ago and came across Klarna.