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> - Klarna (Sweden)

Erm, isn't Klarna a BNPL company ?

Important not to conflate BNPL with merchant services (card payments).

Klarna operates more payment services than just the BNPL credit option

So it seems conceivable that they have options to process regular card payments too

I'm pretty sure I've bought stuff from online retailers using some kind of a Klarna widget and I just used my credit card directly.

Actually, I can find several emails that say something along the lines of "Klarna - Card payment" or "Klarna Checkout". Never done BNPL.