John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Regarding the company that Deputy Doherty is speaking about, the customer is aware because he or she has opted to use its services. It is that company that is offering the individual the credit. Therefore, that person knows the credit terms being offered, whether by Klarna or another such company. The Minister of State is discussing circumstances where there is some form of arrangement with the merchant that the customer is not aware of.

I mean that the customer would be made aware of that by the merchant------