bit out of control. - there d be months where i d spend, like, £200, £300, maybe £400 on klarna. i couldn t really go, like, a fortnight without making orders. we asked klarna, clearpay and laybuy three of the most popular buy now, pay later companies for an interview. hi, gary, nice to meet you. oh, hi, ellie. only laybuy, which is based in new zealand, agreed. this alternative payment method is going to see a rapid adoption by people who no longer want to use a credit card, and they want an access to an interest free product that gives them flexibility to live the life they want to live. buy now, pay later is boosting the fortunes of some retailers hit hard by a fall in high street sales and then the pandemic. both klarna and clearpay promise retailers they can increase sales and total spend. i m just having a look at klarna s youtube channel, and they ve got a video here,