This spring, the Riksdag approved the new law that was passed with Finance Minister Per Bolund (MP) in the lead.

"Payment methods that mean that the consumer does not have to buy on credit should be the alternative that is shown first," writes the Riksdag.

Previously, the default alternative for many network companies has been payments that can lead to extra costs, such as interest on installments.

But now direct payments should instead be the first option, which the government thinks is the cheapest option for the consumer.

- As a consumer, it is reasonable to make an active choice on how to pay, at least for the first time, says Bengt Nilervall, nutrition policy expert on Swedish trade.

"Forced forward"

As the law is designed now, it should not be possible to have credit payment as the default payment method, even if the consumer himself chooses it for future purchases.

- The law has been pushed forward a little too quickly. It had been a value to have conversations with the industry to find a good level. Now there are possibilities for interpretation, says Bengt Nilervall.

Different interpretations

According to Swedish commerce, there are ambiguities in the law that focus on credit payments. This has led to different payment service companies having different interpretations.

- It is mainly card payments that have caused confusion. Should it be divided between debit cards and credit cards for example, says Bengt Nilervall and continues:

- I hope that you supervise the pragmatically and for a dialogue with the industry. Without hitting the club too hard.

SVT News has sought Finance Minister Per Bolund (MP) and the payment services company Klarna who have declined to comment.