'Buy now, pay later' services are not new — but what makes Klarna different is that many of its options do not charge the consumer any interest or fees. Instead, it charges retailers a transaction fee and a percentage of the sale.
The Swedish startup is one of new breed of fintech payment companies asking shoppers to"buy now, pay later." The concept is simple. When customers checkout on sites like ASOS, Gymshark and Topshop, they can pay instantly by card or PayPal, or they can"pay later with Klarna," which allows them to complete the order without paying the vendor. Instead, they pay Klarna up to 30 days after the product has been shipped.
Clearpay's users belong to a"millennial demographic buying items in the fashion beauty lifestyle category", and are largely female, Carl Scheible, CEO of Clearpay told CNN Business. Klarna's is similar, with a consumer base"skewed towards females between the ages of 20 and 35." "The consumer — this younger demographic — they don't have credit cards and they bank with alternative banks like Monzo," Scheible said.
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