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Klarna:打开美国市场信用支付时代

美国的消费者很快就能通过新的方式进行网上购物支付了。上周,瑞典公司Klarna与OverStock网站合作,使得消费者无需进行预付或刷卡就能购买东西。

Klarna想要简化网上购物流程,只要求消费者输入最重要的一些信息,例如邮箱,邮寄地址或者手机号码,就可以进行网上购物。公司会迅速处理这些信息,决定是否对你进行信用授权。如果得到授权,那你只需要在14天之内进行支付就可以了。如果你额外支付一些过时附加费的话,这个期限还可以延长。如果你没有按时付款的话,那将由讨债公司来处理。

许多使用Klarna的商家称交易量有显著提升。

欧洲的电子商务交易量占世界的百分之十。在这些国家,Klarna已经成为一种广受欢迎的网上支付方式。本次是该公司第一次涉足美国市场,他们希望能在明年获得迅速增长。

Klarna北美区首席执行官Brian Billingsley在接受路透社采访时说:“如果到2016年初,我们的平台上没有实现数以百计的商家进行着数以百万计的交易的话,我会感到非常失望的。”

如果Klarna在美国像在欧洲一样迅速崛起的话,将对Paypal和其他类似的网上支付程序造成威胁。

Shoppers in the United States may soon have a new way to pay for their online purchases. Last week, a Swedish-based company called Klarna joined forces with OverStock.com to allow shoppers to buy items without any upfront money or card payment.

Klarna is trying to simplify the buying process by asking buyers to enter only top-of-mind information such as an email address, shipping address and possibly a phone number to purchase items online. The company quickly processes that information to determine if they want to extend credit to you. If so, you have 14 days to make a payment on your account, plus an extended period after a late fee is applied to the charges. Failure to pay would result in actions from a collection agency.

Some merchants that have used Klarna claim their conversions have increased rather significantly.

European countries represent 10% of the world’s ecommerce transactions, and Klarna has become a popular way to make online payments in these countries. This marks the company's first move into the American market, where the payment processor hopes to expand rapidly during the next year.

"I would be disappointed if we didn't have hundreds of merchants on the platform doing millions of transactions as early as in 2016," Klarna's North America CEO Brian Billingsley told Reuters.

If this takes off in America as well as it has in Europe, it may be a threat to PayPal and similar online payment processors.

 


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