No. Microsoft is not extending credit and does not determine credit terms or eligibility. Financing is issued and serviced solely by Klarna Bank AB (publ), Sveavägen 46, 111 34, Stockholm, Sweden. Klarna provides financing for Xbox All Access and determines qualifications for, and terms of, credit. You’ll receive a monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account showing your Xbox All Access purchase. Customers also receive a push notification when the account statement is ready and viewable in the app.