Yes, guests can have a payment plan for a reservation and are given that option when booking (if eligible). Airbnb sets the requirements for payment plans:
Airbnb Payment Plans (Includes Klarna where available)
This is a great question! Did @Joan2709's answer below help you resolve the issue? If so, it's always a lovely gesture to mark it as the best answer. It's like a big virtual hug to the member who supported you. 😊