There is a new movement coming from the Scandinavian shores when it comes to buying stuff online called Klarna. In a nutshell Klarna provides a transaction approvement on your behalf ensuring the payment to the merchant is guaranteed. Klarna takes care of the invoicing and the money collection, which leaves the end users (you and I) with two choices: pay by invoice or pay by account. Pretty simple and straightforward. Klarna is now one of Europe’s largest banks and is providing payment solutions for 60 million consumers across 70,000 merchants in 14 countries.