“The program, which Carlsbad, Calif.-based TaylorMade calls “The Turn,” allows golfers to pay for their clubs over 18 or 30 months, Near the end of the payment period, they can either keep the set or trade it for a new one. If they upgrade, payments stop on the old set and start on the new one. Payments and financing are handled by Klarna, a Sweden-based e-commerce processor that has been expanding its U.S. presence over the past two years.”