Klarna

I used Klarna via Shopify Payments and lost both the goods and the money after a chargeback, despite confirmed delivery and full evidence provided (tracking number and customer correspondence). The customer kept the product and received a refund, while I was charged additional fees. Klarna offers no real protection for merchants, no transparent appeal process and no accountability. Support only redirects between Klarna and Shopify, with no concrete solution. This payment method shifts all risk onto the seller and is unsafe for any serious business.

Glitchy. Not easy to uninstall (try to lock you in). High fees for what it is.

Seems impossible to:
1. Remove the payment option from checkout
2. Remove banner from product pages

AVOID.

WARNING! Do not use Klarna with Shopify payments! If a customer reports a return in Klarna it automatically comes through as a dispute due to a Shopify error. Even after providing the evidence with a dispute they are always automatically 'lost' because it isn't a real dispute (but created by a software error)
Check this community thread for people loosing hundreds or even thousands due to this issue https://community.shopify.com/c/payments-shipping-and/shopify-opens-disputes-for-returns-via-klarna-payments/m-p/2824337
Shopify support claim nothing can be done from their end about 'disputes' although it is their error that creates it. On our store Klarna as an independent payment platform does not create this issue, it is specifically related to it being used with Shopify payments