Online payment services PayPal and Klarna are simple, fast and popular. PayPal is the second most popular payment method for online purchases in 2021 at 28.2 percent.

Credit bureau warns against so-called "buy now, pay later" offers. Klarna users are also popular targets for phishing attacks, in which cybercriminals send deceptively real-mails according to the U.S. firm e-pal or Klarna. In. In., Passkeys users increase the protection of their account.