A toy scooter and payment cards on a table in a toy store setting.

The ad opens with a close-up of a toy scooter on a table, with a Klarna and Visa debit card next to it. In the background, a toy store display is visible, with shelves of toys. A hand enters the frame and picks up the toy scooter. The text 'Debit' appears on screen. The scooter is then lifted out of frame, and the text 'Pay later' appears. The scene transitions to a dark background with the Klarna logo and the text 'Choose how you pay'. The pacing is quick and dynamic.