“(hero tries to address both shoppers and merchants in one frame)”
A consumer wanting to know "where can I use Klarna?" gets a different page than a merchant wanting "what would it take to add Klarna?". Both audiences leave half-served.
“Default to consumer hero: "Shop anywhere. Pay over time. Used at 600K+ stores worldwide." Add a small "For merchants →" link in the top nav.”
Consumers are 99% of homepage traffic and the conversion event (signing up for the app) is more immediate than the merchant sales cycle. Serve the bigger audience well; route merchants quickly.