My understanding was that, at least in Scandinavia, their debt collection was a separate company. I may have gotten that wrong, but we had a few customers who paid us using Klarna. When Klarna didn't get their money after some period of time they'd normally let some 3rd. party handle debt collection. In some cases they just reverse the charges and leave us to eat the lose arguing that: The customer claim to have never received the item, or straight up let us know that they weren't about to lose money on this transaction, reverse the charge on us, the retailer, and leave debt collection to us.