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Klarna users are being signed in to random accounts

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Re: Klarna users are being signed in to random accounts

#31

If you rely on your application layer to enforce data privacy instead of enforcing it in your storage layer its just a matter of time until you have an issue like this. It says a lot about the security of their api and development culture that they are even struggling with something like this. This should be caught in the first architecture review session.

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Re: Klarna users are being signed in to random accounts

#32

Their German counterpart, Sofortüberweisung, didn't properly blacklist test credentials given out by banks e.g. to developers in the beginning, so people could simply use those and pay for goods and services with fake accounts. For me there are so many red flags with all these services, as they basically "steal" your credentials to log into your online banking. And while they claim that they only use the credentials…

Klarna is actually its own bank these days so that doesn't really happen anymore. I think however many other payment providers operate this way still which is ridiculous.

Then again, PSD2 API roll-out has been very ???

Re: Klarna users are being signed in to random accounts

#33

Lots of times when I’ve been buying things in e-shops I’ve been offered to pay using Klarna as a payment broker. But doing so has always been more confusing for me compared to “regular” payments with a credit card anywhere else, and has on overall been a negative experience for me. I really don’t understand why anyone would prefer to use them at all. What am I missing? Can anyone help me understand?

They usually offer deferred payment via invoice, removing the need to input CC details at the time of purchase. I've used that a couple of times, just because I wanted to move on to other tasks.

(Not claiming it's a killer feature, but it's a feature.)

Re: Klarna users are being signed in to random accounts

#34

Lots of times when I’ve been buying things in e-shops I’ve been offered to pay using Klarna as a payment broker. But doing so has always been more confusing for me compared to “regular” payments with a credit card anywhere else, and has on overall been a negative experience for me. I really don’t understand why anyone would prefer to use them at all. What am I missing? Can anyone help me understand?

Klarna seems to be super popular with e-commerce sites, my guess is that there's some kind of financial incentive to the hosting site, when compared to other payment options.

As to why it's popular with consumers looking at https://www.klarna.com/uk/smoooth/ , seems like they're offering months of interest free credit and also the implication is that using Klarna doesn't affect credit score.

It'd be interesting to know how their credit risk setup works.

Re: Klarna users are being signed in to random accounts

#35
Klarna wants to be Facebook of payment. When I buy and pay with Klarna, they get the list of items and on Klarna's app and homepage I see pictures of whatever it is I bought.

I'm not sure what to think about this. My first thought is "Is this really legal?".

Re: Klarna users are being signed in to random accounts

#37

MS Exchange outlook web interface sometimes showed me completely unrelated mailbox content upon login: folders, list of messages, read status, subjects, etc. Trying to open email never worked though and the whole problem goes away after page refresh.

Sometimes I see my own mails before logging in for a short while in Outlook web app. They have some issues.

I like how when the session expires and you login again you get redirected to the random resource your browser requested when it just expired. So instead of the mail view you sometimes get the new mail jingle or some minified js. Makes me feel better about my own imperfect software

Re: Klarna users are being signed in to random accounts

#40

I worked in a project over 10 years ago where something very similar happened! We had built and authentication service that, among other things, was used by a SyncML service that was used back in the day of feature phones to syncs contacts etc. You can imagine that getting someone else's contacts on your phone isn't exactly ideal. This was how we came to know about the problem, from customers getting other customers…

Ouch.
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