Not hearing about Klarna and Deliveroo is surprising. Klarna is everywhere I turn in the US.

Transferwise/wise too. I use it to pay employees in Europe. I remember going to Clearwater and seeing their logo on i4 all the time. It is a known company. Revolut also known but still doesn’t work well for US costumers.

Klarna is like a layaway program? I'm like the GP never heard of these companies other than Spotify and the Klarna website isn't very helpful

It’s kind of like a payday loan type of micro-lending that integrates with merchants similarly to PayPal. I’ve never understood the appeal, it feels super predatory. But most creditors do, I guess. I first heard of it a few years ago when they did a huge ad campaign with a lot of the popular queens from RuPaul’s Drag Race.

It’s frequently way less predatory: merchants pays the finance charges and payoff time is much shorter.

I don't know, perhaps they're not predatory in usuary rate sense but I feel like using celebrities like A$AP Rocky and Keke Palmer to appeal to Gen Z to load up on consumer debt feels a bit questionable.

Layaway is the opposite: pay now, buy later.