About Klarna payment:

- Klarna payment methods vary from country to country, and it is up to Klarna to decide which payment methods are available in each country (or the actual payment method type actually requested by the merchant).

- The payment options Klarna provides to consumers depend on Klarna's evaluation of the consumer's transactions (credit and risk assessments).
- The Klarna system uses an automated algorithm that evaluates the risk of each transaction within 1 second and decides whether to authorize the consumer's payment request (for high-risk orders, the authorization result can be returned within 24 hours at the latest).

- Factors affecting consumer credit assessment: consumer's address details, cardholder details, order quantity, order history, etc.; Online stores, product inventory, etc.