In the UK, Deliveroo (a food delivery company) will let you pay by Klarna for orders >= £30, including from sandwich shops. Here's the press release: https://www.klarna.com/international/press/deliveroo-and-kla...
The next-month option is free (for me) anyway. I assumed that the risk of a one-month loan is low for Paypal and worthwhile because it takes a few transactions from the other payment processors usually offered by the same webshop. But that's just an assumption.
Deliveroo customers will see Klarna as an additional payment option when they arrive at check-out, where they’ll be able to choose one of three payment options:
Pay Now, to pay the full amount immediately; Pay in 30, to pay the full amount within 30 days; and Pay in 3, to pay in three equal installments, spread over 60 days.Never tried it, I won't touch Klarna with someone else's bargepole, but it is a thing and its fucking silly.