Hacker News Reader

Comment by 2rsf | Hacker News Reader

In Sweden you can ask them to require Mobilt BankID confirmation to every buy, their competitors (like qliro) don't have that yet so Klarna are only half bastards. But they did get a lot of criticism from the Swedish government about the same things you have presented.

View on HN

Qliro has that too, which I know since somebody bought shoes with my SSN. I don't know if it's a general feature or if you have to contact them, but the functionality is implemented at least.

I contacted them and they said no, but they have other "smart" ways to prevent fraud

Yeah. Klarna has BankID but it doesn't make them half bastards as they log in to users banks as the user, where they can see all account balances and purchases.

That makes them double bastard.

they do what? how is that even possible? even if I never coupled my account to them?

It is called open banking. Banks are 'anti-competitive' so some people managed to lobby in a directive that forces banks to provide apis for companies like Klarna to access their bank accounts. All you have to do is accept tos.

They what now? That has to be illegal.

Wait, so you have to explicitly ask Klarna to not sell stuff under your payment info to random internet strangers? That's not too good either - I think ordering without BankID should be opt-in rather than opt-out.

I can't remember ever opting in to the Klarna BankID requirement, but when i checked it was enabled on my account.

Reply on news.ycombinator.com