klarna is more of a buy now pay later financing not a payment gateway, you cant use them as you would on stripe, square, qbook gopayment, 2checkout, etc. to name just a few merchant account out there. if you need those that i mentioned let me know, deposits are same day or next day (depending on how fast and the business hour you setup on the accounts), also some gives you an option to make virtual cards to use, and if you need, and US accounts.