For operations like this I would always err on the side of caution and go for a cloaked setup to mitigate any risks by the payment processor. Klarna will still go through the typical merchant assessment processes and even then no matter how 'legal' your business is, may still deem you persona non grata especially when your drop shipping or shipping primarily from a non local country to where your sales are. What option will you go with then? Seeking a setup right? So may as well start there anyway imo