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The 8 Best Alternatives to Klarna for Online Shopping".

By Gregor Krambs published about 2023-01-04 18:18:51

Are you looking for payment solutions that are similar to Klarna? Klarna is a popular online payment option that makes it easy for customers to shop online without needing to enter their credit card information. But, if you're looking for other similar payment solutions, then don't worry - we've got you covered. In this article, we'll be taking a look at a list of websites and apps like Klarna that offer convenient payment solutions for online shoppers. So, if you're ready to explore your other options, read on to discover the best alternatives to Klarna!

Klarna is a global payment solutions provider that works with merchants to provide customers with the smoothest online shopping experience. With Klarna, shoppers can pay for their purchases over time, with no interest and no fees.

Features

  • Secure payments
  • Split payments into installments
  • No interest or fees
  • Real-time payment updates
  • Fraud protection
  • Instant purchase decisions
  • Geo-location verification

Klarna Alternatives

Afterpay

Afterpay is a payment platform that allows you to pay for your online purchases in four interest-free installments. It's fast, easy, and secure, and it's available for both US and Australian shoppers.

Both offer buy now, pay later services

Klarna offers more payment options and more flexible payment plans

Is Afterpay a good alternative?
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Affirm

Affirm is an online financial service that provides access to financing for purchases in an easy and transparent way. Affirm allows customers to split their purchase into multiple payments over time, with no hidden fees or compounding interest.

Both offer installment payment plans

Klarna offers more payment options and more flexible payment plans

Is Affirm a good alternative?
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Sezzle

Sezzle is an online payment solution that makes it easy for customers to buy now and pay later. Sezzle breaks up your purchase into four interest-free payments, spread over six weeks.

Both offer buy now, pay later services

Klarna offers more payment options and more flexible payment plans

Is Sezzle a good alternative?
|

Laybuy

Laybuy is a payment solution that allows customers to pay for their purchases in 6 equal, interest-free installments. Customers can make payments over 6 weeks, and get what they want today.

Both offer buy now, pay later services

Klarna offers more payment options and more flexible payment plans

Is Laybuy a good alternative?
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Splitit

Splitit is a payment solution that enables shoppers to pay for purchases in installments. It offers a simple, safe and secure way for shoppers to pay for their purchases without interest or fees.

Both offer installment payment plans

Klarna offers more payment options and more flexible payment plans

Is Splitit a good alternative?
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ZipPay

ZipPay is an innovative payment solution that allows you to buy now and pay later. With flexible payment options and interest free terms, ZipPay makes it easy to manage your budget and shop smarter.

Both offer buy now, pay later services

Klarna offers more payment options and more flexible payment plans

Is ZipPay a good alternative?
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ClearPay

ClearPay is a secure payment processing solution that offers businesses a convenient and efficient way to process payments online. It offers a range of features to make the payment process easier, such as real-time reporting, secure data storage, and multi-currency support.

Both offer buy now, pay later services

Klarna offers more payment options and more flexible payment plans

Is ClearPay a good alternative?
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Alma

Alma is an innovative mobile app designed to help people manage their mental health and well-being. It offers personalized and evidence-based guidance to help users stay motivated and on-track with their mental health goals.

Both Klarna and Alma provide financial services to individuals.

Klarna offers payment plans for online purchases, while Alma offers personal loans with low interest rates.

Is Alma a good alternative?
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Amazon

Amazon is an American electronic commerce and cloud computing company based in Seattle, Washington that was founded by Jeff Bezos. Amazon is the largest online retailer in the world and provides a great selection of products and services, including books, movies, music, electronics, apparel, and much more.

Both Klarna and Amazon offer customers the convenience of buying products online.

Klarna specialises in providing payment services, while Amazon offers a wide range of products and services.

Is Amazon a good alternative?
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Apple

Apple is a technology company that designs, manufactures and markets a range of consumer electronics, computer software, and online services. It is best known for its products such as the iPhone, iPad, Mac, Apple Watch, and Apple TV.

Both Klarna and Apple offer online payment services.

Klarna provides a range of financial solutions and services, while Apple focuses on hardware and software products.

Is Apple a good alternative?
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Afterpay Australia

Afterpay is the leader in ‘buy now, pay later’ services in Australia. It allows shoppers to buy what they want now, and pay for it in four equal instalments due every two weeks.

Both Klarna and Afterpay Australia offer customers an alternative to traditional payment methods by allowing them to pay for their purchases in instalments.

While Klarna operates in 14 countries, Afterpay Australia is only available for customers in Australia and New Zealand.

Is Afterpay Australia a good alternative?
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PayPal Credit

PayPal Credit is a line of credit from Comenity Capital Bank that gives you the flexibility to pay for your purchases now, or pay over time. It's easy to apply and easy to use.

Both Klarna and PayPal Credit are online platforms that allow users to make payments and purchase items on credit.

Klarna offers a host of additional services such as payment plans, interest-free installments and financial planning tools, whereas PayPal Credit offers basic credit card solutions with some competitive cashback rewards.

Is PayPal Credit a good alternative?
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Humm

Humm is a shopping payment platform that makes it easy to purchase the things you need today, and pay for them over time. It’s an ideal option for those with limited access to credit or who want to manage their cash flow without having to pay the full cost upfront.

Both websites offer a range of payment options, including interest-free installment plans.

Klarna is an online payment provider while Humm provides in-store financing services.

Is Humm a good alternative?
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Honey

Honey is an online shopping tool that helps you save money. It automatically finds and applies coupon codes at checkout for over 30,000 popular stores, including Amazon, Target, and Best Buy.

Both websites offer services to help people save money.

Klarna is a payment solution that offers flexible financing, while Honey is an online coupon finder.

Is Honey a good alternative?
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Klarna Head-To-Head

Klarna is a widely used payment platform that provides consumers with an easy, secure and convenient way to shop online. The company offers a range of services including financing options and credit lines. In this article, we will compare Klarna with other popular websites in terms of their features, benefits, security, customer service and overall experience. By comparing these two companies side-by-side, you can make an informed decision when selecting the right payment platform for your online shopping needs.

Klarna
vs.
Afterpay

Klarna and Afterpay are both digital payment solutions that offer consumers an alternative way to pay for their purchases. Klarna offers a variety of payment options, including instant financing, allowing customers to split their payments into four equal installments with no interest or fees. Afterpay allows customers to make four interest-free installments over a period of eight weeks. When it comes to user experience, Klarna provides an easy checkout process as well as the ability for customers to manage their payments online. It also has a rewards program for frequent users and merchants can take advantage of Klarna’s marketing tools to increase conversions and sales. On the other hand, Afterpay focuses on providing an intuitive and secure checkout process that is tailored for mobile devices. Additionally, it has a loyalty program where customers can earn rewards points when they make purchases using their account. Overall, while both Klarna and Afterpay offer innovative ways to pay for goods or services, they differ in terms of features and user experience. Ultimately, it is up to the consumer to decide which option best fits their needs.

Klarna
vs.
Affirm

Klarna and Affirm are both payment solutions that make it easier for customers to pay for purchases. Both companies offer online credit services that allow customers to pay for items over time with no interest or fees if paid in a certain amount of time. Klarna offers several different payment methods, including a “Pay Later” option, which allows customers to shop now and pay later without any hidden fees or interest rates. It also has an “Instant Financing” feature, which gives customers the ability to spread out payments up to 12 months. Klarna also provides a “Slice It” feature, which allows customers to split their payments into three parts when checking out, with no interest or additional fees. Affirm is similar in that it offers customers the opportunity to pay for items over time. However, Affirm does have an interest rate attached of up to 30%, depending on the purchase amount and the customer's credit score. Additionally, Affirm allows customers to pre-qualify before they make a purchase so they know how much they're eligible for and what their monthly payments will be up front. Overall, both Klarna and Affirm provide online credit services that allow customers to pay for items over time but with different features and options available.

Klarna
vs.
Alma

Klarna and Alma are two online payment systems that provide customers with secure and convenient ways of making payments. Klarna is a global payment provider that offers services such as interest-free financing, instant payments, and integrated checkout. It also provides fraud protection for buyers by verifying their identity and providing an additional layer of security when making purchases. Alma is a digital banking platform designed to simplify the process of managing money from multiple sources, such as bank accounts, credit cards, loans, and investments. It allows users to track their finances in one place and pay bills with the click of a button. Both platforms offer mobile apps for iOS and Android devices, so they can be used on the go. Klarna has more features than Alma when it comes to payment options, but Alma offers more features in terms of managing money such as budgeting tools and investment tracking.

Klarna
vs.
Amazon

Klarna and Amazon are two popular e-commerce websites offering a variety of products to customers. Klarna is a payment platform that allows users to buy items, split payments, and manage their finances all in one place. The platform also provides flexible financing options for shoppers, including installment plans and interest-free financing. Amazon offers an extensive selection of products, including electronics, books, apparel, furniture, home goods, toys, and more. Customers can quickly find what they're looking for using the website's search bar or browse through different categories. Both websites offer fast shipping options and customer service support. Klarna offers a personalized shopping experience with options to pay over time while Amazon offers loyalty programs and discounts through its Prime membership program.

Klarna
vs.
Apple

Klarna and Apple are two tech companies offering a diverse range of products and services. Klarna is a financial services provider that offers customers the ability to purchase goods and services in three easy-to-use ways: pay later, slice it, or pay now. They also offer shoppers protection on their purchases with options such as Buyer Protection and Purchase Protection. Apple is well-known for its technology products such as iPhone, iPad, Mac computers, and other innovative products like the AirPods and Apple Watch. They also offer additional software services such as iCloud Storage, Apple Music streaming, App Store downloads, and more. Klarna provides customers with an easy payment option while Apple focuses on providing quality hardware and software solutions.

Klarna
vs.
Afterpay Australia

Klarna and Afterpay Australia are both payment methods that allow customers to pay for products over time. Klarna provides customers with the ability to shop now and pay later, as well as split their payments into four interest-free instalments. Customers can also enjoy exclusive discounts and savings when using Klarna. Afterpay allows customers to make purchases online and pay for them in four fortnightly instalments. It also offers a convenient payment plan with no additional fees, making it easy to budget for larger purchases. Both services provide an easy and secure checkout process, allowing customers to purchase products without the need for a credit card or bank details. Furthermore, both services offer their customers the ability to monitor their transactions in real-time through an online dashboard, helping shoppers to stay on top of their finances.

Klarna
vs.
PayPal Credit

Klarna and PayPal Credit are two digital payment options that offer customers various ways to pay for goods and services. Both services provide customers with the ability to shop now and pay later, providing them with more flexibility in their purchases. Klarna allows customers to make payments through installment plans, giving them the option to spread out their purchase into up to 36 equal monthly payments. They also have a service called “Slices” which allows customers to split up their purchases into smaller amounts which can be paid off over time. Klarna also offers a “Shop Now, Pay Later” feature where customers can get instant approval for up to $500 worth of merchandise without having to enter payment details at checkout. PayPal Credit is an extension of PayPal's existing payment system and works similarly by allowing customers to purchase items now and pay later in full or in installments. However, PayPal Credit does not feature the same “Shop Now, Pay Later” option as Klarna does, so users will need to enter payment details at checkout when using this service. PayPal Credit also offers users the ability to manage their account online or through a mobile app, allowing them more control over their spending and repayment plan.

Klarna
vs.
Humm

Klarna and Humm are two payment solutions that allow customers to purchase goods online, in-store, and over the phone. Both provide customers with an easy and convenient way to buy now and pay later. Klarna offers a range of services such as Klarna Pay Later, which allows customers to receive their order immediately, but pay for it at a later date. It also offers Klarna Slice It, which allows customers to split their payments into up to 36 monthly installments with no interest or fees. In addition, Klarna also provides shoppers with fraud protection on all purchases. Humm provides customers with a wide range of payment solutions from one-off payments to interest free terms up to 36 months. Humm also gives customers the option of deferring payments up to three months so they can spread the cost of their purchases over time. Additionally, Humm’s payment solutions are available both in-store and online, making it easier for shoppers who prefer not to use credit cards or cash. Overall, both Klarna and Humm offer customers secure and convenient payment options with no hidden fees or interest charges. However, there may be differences in pricing depending on the retailer or method of purchase chosen by the customer.

Klarna
vs.
Honey

Klarna and Honey are two popular websites that offer various services. Both websites provide customers with convenience, allowing them to save money, access exclusive offers and deals, and manage finances. Klarna provides customers with a range of innovative financial solutions, from online shopping to budgeting tools. It offers users the ability to pay for items in installments or through a credit line, as well as the option to try before they buy. Klarna also allows customers to track spending habits and set up budgets. Honey is an online shopping tool that helps customers find discounts on products they love. It enables users to find coupons while they shop, compare prices across different sites, and get cashback on qualifying purchases. Honey also features price drop alerts and exclusive discounts from select merchants. Overall, Klarna and Honey each offer unique services that help make online shopping more convenient for users. Whether you’re looking for a way to manage your finances or search for discounts on products you love, both websites can help you save money and make better purchase decisions.

Klarna
vs.
Katapult

Klarna and Katapult are two websites offering financial services to individuals and businesses. Klarna offers a selection of payment solutions including installment plans, credit cards, and account management tools. Katapult provides financing options including microloans, merchant cash advances, and invoice factoring. Klarna provides a single platform for managing payments as well as an online checkout process for customers. It also offers loyalty programs, fraud protection, and digital wallet services. Katapult has a more comprehensive suite of products tailored to small businesses. They offer business credit and lending options with fast approval times, access to business coaching resources, financial planning tools, and real-time data analytics. Overall, Klarna is focused on providing payment solutions while Katapult provides access to a range of financing options designed specifically for small businesses. Both websites have their own strengths which may make one or the other more suitable depending on individual needs.

Klarna
vs.
Laybuy

Klarna and Laybuy are both payment solutions that make it easier for customers to purchase items online. Klarna offers a full suite of payment options such as pay later, pay now, split it and financing. With their pay later option, customers can try before they buy with no interest or fees. With the split it feature, shoppers can spread the cost of a purchase over several instalments with no interest or fees. Klarna also provides retailers with access to insights into spending habits and customer preferences. Laybuy offers a single payment solution which allows shoppers to buy now and pay later in 6 weekly instalments with no interest or fees. Unlike Klarna, Laybuy does not offer any other payment options such as pay now or financing. However, Laybuy does provide merchants with access to shopping analytics so they can better understand their customers’ buying behaviour.

Klarna
vs.
PayPal

Klarna and PayPal are both online payment platforms that allow for online merchants to accept payments. Klarna functions as a payment method where customers can choose to buy now and pay later, while PayPal is a secure payment system that facilitates payment transactions between buyers and sellers. Klarna allows customers to buy items with no fees or interest rates, allowing them to pay for purchases in monthly installments over time. This makes it easy for customers to budget their money, as they can spread out payments over months instead of having to pay upfront. In addition, Klarna also offers fraud protection services which protect both the customer and the merchant from fraudulent activities. On the other hand, PayPal is an established global payment platform that allows customers to send money securely through its website or mobile app. It also provides a variety of features including buyer and seller protection services, automated currency conversions, and multi-currency support. Through the app, customers can also view a transaction history of all their purchases and manage their account settings more easily. Overall, both Klarna and PayPal offer safe and secure payment methods for online consumers. While Klarna focuses on offering deferred-payment options for customers with no additional fees or interest rates involved, PayPal provides users with more traditional payment options along with added security features such as fraud protection services and buyer/seller protection services.

Klarna
vs.
PayBright

Klarna and PayBright are two digital payment solutions that enable consumers to shop online with ease. Klarna allows customers to pay for their purchases in four interest-free installments, with no hidden fees. It also offers additional services such as delivery tracking and late payment reminders. On the other hand, PayBright allows customers to easily split their payments into two or four installments over time, but charge interest on the installment payments. They also provide a rewards program where customers can earn points for every purchase they make. Both services offer fraud protection and customer support, however Klarna does not require a credit check like PayBright does. Furthermore, Klarna is available in more countries than PayBright, making it more accessible to consumers around the world.

Klarna
vs.
Paypo

Klarna and Paypo are both payment solutions that enable online shoppers to make purchases without having to enter their financial details. Both services allow customers to pay in a variety of ways, including using their debit or credit cards, as well as through direct bank transfers. Klarna offers a more comprehensive selection of payment options than Paypo; it supports more credit and debit cards, as well as digital wallets such as Apple Pay, Google Pay, Samsung Pay and PayPal. Klarna also offers an instant checkout option which allows customers to complete their purchases quickly and securely. In addition, Klarna is available in more countries than Paypo. It has a presence in over 17 markets across Europe, the US and Australia. It also offers additional services such as financing options for larger purchases and free returns for up to 30 days after purchase. Paypo is only available in three European countries at present and does not offer financing options or free returns like Klarna. However, it provides customers with a secure payment process that includes 3D Secure authentication technology to protect against fraud. Overall, while both solutions offer secure payment processes, Klarna provides customers with more payment options and additional services such as financing and free returns which makes it the better choice for online shoppers who require a flexible payment solution.

Klarna
vs.
Quadpay

Klarna and Quadpay are two digital payment solutions that provide customers with secure digital payment options. Both platforms offer a wide variety of payment options, including direct payments from bank accounts and credit cards, as well as installment plans. Klarna allows customers to make purchases using their mobile devices, while Quadpay is available for desktop and mobile. Klarna also has an app for both iOS and Android devices. Both Klarna and Quadpay offer a range of features to help customers manage their finances. Both services provide detailed transaction histories, budgets, and purchase reminders. Additionally, both services allow customers to set up automated payments or manually enter payment details each time they make a purchase. Klarna also offers additional features such as discounts on select purchases when making payments with Klarna, access to exclusive deals, and instant notifications when payments are due or made. Quadpay provides its users with the ability to pause payments at any time if needed and the option to extend their repayment period if needed. Overall, both Klarna and Quadpay provide secure digital payment solutions with a wide variety of features to help customers manage their finances more easily.

Klarna
vs.
Revolut

Klarna and Revolut are both digital banking services that offer a variety of features to their users. Klarna is a Swedish payment service provider that specializes in providing consumers and merchants with flexible payment solutions. It offers customers the ability to pay for purchases in installments, manage their spending, and shop at over 200,000 stores worldwide. Revolut is an international money transfer service that allows users to send and receive money in over 30 different currencies, access real-time exchange rates, set up direct debits, manage their budget, and more. When it comes to spending management, both Klarna and Revolut provide tools for budgeting and tracking expenses. Klarna also offers its users the ability to pay for purchases in installments while Revolut’s built-in budgeting tool allows you to set specific spending limits for yourself. Additionally, Klarna has a feature called “Shop Now Pay Later” which lets customers make purchases without paying upfront. In terms of security measures, both services use advanced encryption technology to protect customer data and transactions. They also have dedicated support teams available 24/7 for customer inquiries or issues. Overall, both Klarna and Revolut offer a wide range of features designed to help customers manage their money more efficiently. While they have some similar features such as budgeting tools and secure encryption technology, they also have some distinct differences like the ability to pay for purchases in installments or set custom spending limits with Revolut.

Klarna
vs.
Stripe

Klarna and Stripe are two popular payment processing systems used by online merchants. Both provide secure payment solutions that offer customers an easy way to make online purchases. Klarna offers more payment options, with the ability to split payments over several installments and pay later, while Stripe is focused on single payments. Klarna also provides shoppers with purchase protection and fraud prevention measures, whereas Stripe does not have these features. On the other hand, Stripe has a larger library of integration options for merchants compared to Klarna, making it easier for developers to integrate the system into their websites. Moreover, Stripe has an advanced analytics dashboard that allows merchants to track all transactions in real-time and generate reports on customer data and sales trends.

Klarna
vs.
Splitit

Klarna and Splitit are two online payment solutions that allow consumers to purchase items using installment payments. Both services provide customers with a secure and convenient way to pay for items without having to worry about large upfront costs. Klarna provides several payment options, such as the ability to pay in three installments with no fees or interest, pay later (up to 30 days) with no interest, or even spread the cost over 3–36 months with interest. Additionally, Klarna allows customers to shop online and get their items shipped directly from the retailer without waiting for payment approval. Splitit offers similar payment options such as installment payments with no extra fees or interest, as well as the ability to split payments into multiple cards. Unlike Klarna however, Splitit does require customers to enter their credit card information at checkout in order to process the transaction. Additionally, Splitit has an added layer of security in which shoppers can choose how many installments they would like their purchases split into and set spending limits on each installment.

Klarna
vs.
Shopify

Klarna and Shopify are both ecommerce platforms that provide tools for merchants to create and run an online store. With Klarna, users can accept payments from customers worldwide, offer flexible payment options such as buy now, pay later services, manage returns and refunds, and access data insights. Shopify enables merchants to customize the look of their stores, create product pages with embedded videos and images, integrate payment gateways, manage orders and inventory, set shipping rules, and track sales analytics. Both platforms also offer support resources such as a knowledge base of tutorials and FAQs to help merchants get started.

Klarna
vs.
Sezzle

Klarna and Sezzle are both payment services that allow customers to purchase goods without having to pay in full upfront. Both services provide a buy now, pay later option with the aim of making online shopping more accessible. With Klarna, customers can choose from 3 different types of payment plans: Pay in 30 days, Slice it or Financing. Pay in 30 days allows customers to try their purchase before they have to pay, Slice it breaks the cost into 4 interest-free payments and Financing provides long-term repayment plans for larger purchases. Sezzle offers a similar ‘buy now, pay later’ service where customers can make their purchases without any initial payment and then split the cost into 4 bi-weekly payments. One major difference between Klarna and Sezzle is that Sezzle charges a fee for every order while Klarna does not charge any fees.


History of Klarna

Klarna is a Swedish fintech company founded in 2005 that provides payment solutions for online storefronts. Its services are used in over 200,000 merchants in more than 18 countries, and it claims more than 90 million users. Its mission is to make payments as simple, safe, and smooth as possible for both the seller and the buyer. It offers a range of services, including invoice and installment payments, payment plans and interest-free financing, and more recently, rewards programs and credit products.


Klarna Status

The Klarna website on online and reachable (last checked on ).

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Comments

  • I guess Klarna isn't the only game in town!

    2023-02-25 01:45:21 ·