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Klarna will now let you pay them so you can pay them less money

An illustration of a piggy bank, a pile of cash, and some coins
Dollars and sense? | Illustration by Hugo Herrera / The Verge

Great news for those of you already experiencing subscription fatigue: you can subscribe to buy now, pay later (BNPL) service Klarna for $7.99 a month.

At first glance, this seemed pretty fucking weird to me. I mean, the entire point of Klarna is that you can essentially do layaway without paying any kind of interest; Klarna has partnered with a wide array of retailers — from Dolce & Gabbana to 1-800-Flowers.com to Macy’s — to create this service. So what’s the consumer value in the subscription?

Well, let’s say you shop at, I dunno, Target or Kroger or Safeway. These retailers aren’t affiliated with Klarna, so if you try to use the service there, you have to pay a…

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