Link copied to clipboard # Afterpay vs Klarna Comparison - What are their main differences? Share [ Export ](/compare/afterpay/klarna/export.csv) AfterpayKlarna[+ Add Product](#) Pricing **Afterpay** No pricing available **Klarna** No pricing available **Pricing Insights** from reviews Time to Implement **Afterpay** Not enough reviews yet **Klarna** Not enough reviews yet Return on Investment **Afterpay** Not enough reviews yet **Klarna** Not enough reviews yet Perceived Cost **Afterpay** $$$$$ **Klarna** $$$$$ Average Discount **Afterpay** Not enough reviews yet **Klarna** Not enough reviews yet **Pros & Cons** from reviews **Afterpay** [ Convenience (2) ](https://www.g2.com/products/afterpay/reviews?filters%5Bsentiment_snippet%5D=2423756&qs=pros-and-cons#reviews)[ Acceptance (1) ](https://www.g2.com/products/afterpay/reviews?filters%5Bsentiment_snippet%5D=2382251&qs=pros-and-cons#reviews)[ High Fees (1) ](https://www.g2.com/products/afterpay/reviews?filters%5Bsentiment_snippet%5D=2382248&qs=pros-and-cons#reviews)[ Late Fees (1) ](https://www.g2.com/products/afterpay/reviews?filters%5Bsentiment_snippet%5D=2423759&qs=pros-and-cons#reviews) **Klarna** [ Flexible Payments (3) ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2367274&qs=pros-and-cons#reviews)[ Ease of Use (2) ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2367319&qs=pros-and-cons#reviews)[ Complex Setup (1) ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2406492&qs=pros-and-cons#reviews)[ Fraudulent Activities (1) ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2406485&qs=pros-and-cons#reviews) Screenshots **Afterpay** No screenshot available **Klarna** ![Klarna screenshot](https://images.g2crowd.com/cdn-cgi/image/width=600,height=600,fit=scale-down,format=auto,onerror=redirect,/https://images.g2crowd.com/uploads/attachment/file/32594/Klarna_screenshot3.png) **Ratings** from reviews Meets Requirements **Afterpay** 8.5 8.524 **Klarna** 7.1 7.130 Ease of Use **Afterpay** 8.6 8.624 **Klarna** 7.0 7.030 Ease of Setup **Afterpay** 9.8 9.87 **Klarna** 8.1 8.18 Ease of Admin **Afterpay** Not enough data **Klarna** Not enough data Quality of Support **Afterpay** 8.2 8.222 **Klarna** 6.4 6.428 Has the product been a good partner in doing business? **Afterpay** Not enough data **Klarna** Not enough data Product Direction (% positive) **Afterpay** 8.0 8.023 **Klarna** 5.7 5.730 **Features** ratings from reviews Installment Payment and Buy Now Pay Later (BNPL)[Hide 11 FeaturesShow 11 Features](javascript:void(0);) 7.8 22 7.1 28 Administration - Installment Payment and Buy Now Pay Later (BNPL) Email Notifications 7.9(won by 0.3) 19 7.6 20 Invoicing 7.3(won by 0.3) 14 7.0 16 Customer Portal 7.7(won by 0.6) 17 (There is a greater than 0.5 difference between this product's rating and its competitors) 7.1 19 Loyalty Management 7.1(won by 1.6) 14 (There is a greater than 0.5 difference between this product's rating and its competitors) 5.5 14 Payment Tools - Installment Payment and Buy Now Pay Later (BNPL) Payment Gateway 7.9(won by 0.5) 14 (There is a greater than 0.5 difference between this product's rating and its competitors) 7.4 23 Payment Tracking 8.3(won by 0.4) 17 7.9 21 E-commerce Integration 8.0(won by 1.0) 14 (There is a greater than 0.5 difference between this product's rating and its competitors) 7.0 18 Payment Scheduling 8.1(won by 0.6) 18 (There is a greater than 0.5 difference between this product's rating and its competitors) 7.5 23 Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features Adaptive Learning Not enough data Not enough data Proactive Assistance Not enough data Not enough data Decision Making Not enough data Not enough data Show 1 feature category with incomplete data Live Commerce[Hide 23 FeaturesShow 23 Features](javascript:void(0);) Not enough data Not enough data Engagement Live streaming Not enough data Not enough data Product demonstrations Not enough data Not enough data Live chat discussions Not enough data Not enough data Stream sharing Not enough data Not enough data Social media Not enough data Not enough data Omnichannel livestreaming Not enough data Not enough data One-to-one call scheduling Not enough data Not enough data Integration Shopping cart Not enough data Not enough data Social media Not enough data Not enough data Video analytics tools Not enough data Not enough data CRM & Data Platform Integration Not enough data Not enough data Campaign management tool Not enough data Not enough data Smartphone and DSLR Not enough data Not enough data API Not enough data Not enough data Live selling Lead capturing and distribution Not enough data Not enough data E-commerce platform Not enough data Not enough data Marketplaces Not enough data Not enough data Social media Not enough data Not enough data Analytics Product Insights Not enough data Not enough data Data Capture Not enough data Not enough data Reporting Not enough data Not enough data Campaign performance Not enough data Not enough data Generative AI AI Text-to-3D Not enough data Not enough data User Insights Reviewers' Company Size [![Afterpay](https://images.g2crowd.com/uploads/product/hd_favicon/4e7c2b067d5e2a249287296da191b347/afterpay.svg "Afterpay")](https://www.g2.com/products/afterpay/reviews) Afterpay Small-Business(50 or fewer emp.) 84.6% Mid-Market(51-1000 emp.) 10.3% Enterprise(\> 1000 emp.) 5.1% [![Klarna](https://images.g2crowd.com/uploads/product/hd_favicon/0172f52dfd46ec5b07ea1e4d76f5fdad/klarna.svg "Klarna")](https://www.g2.com/products/klarna/reviews) Klarna Small-Business(50 or fewer emp.) 81.5% Mid-Market(51-1000 emp.) 9.3% Enterprise(\> 1000 emp.) 9.3% Small-Business (50 or fewer emp.) 84.6% 81.5% Mid-Market (51-1000 emp.) 10.3% 9.3% Enterprise (\> 1000 emp.) 5.1% 9.3% Reviewers' Industry [![Afterpay](https://images.g2crowd.com/uploads/product/hd_favicon/4e7c2b067d5e2a249287296da191b347/afterpay.svg "Afterpay")](https://www.g2.com/products/afterpay/reviews) Afterpay Apparel & Fashion 18.4% Consumer Goods 10.5% Accounting 7.9% Retail 7.9% Music 5.3% Other 50.0% [![Klarna](https://images.g2crowd.com/uploads/product/hd_favicon/0172f52dfd46ec5b07ea1e4d76f5fdad/klarna.svg "Klarna")](https://www.g2.com/products/klarna/reviews) Klarna Retail 17.3% Apparel & Fashion 9.6% Consumer Services 5.8% Alternative Dispute Resolution 3.8% Health, Wellness and Fitness 3.8% Other 59.6% FAQs ## Afterpay vs Klarna FAQs Generated using AI Last updated: August 14, 2026 ### What is the difference between Klarna vs Afterpay? Afterpay stands out over Klarna with higher reviewer satisfaction, easier setup, and stronger support scores. | | [Klarna](https://www.g2.com/products/klarna/reviews) | [Afterpay](https://www.g2.com/products/afterpay/reviews) | | --- | --- | --- | | G2 Rating (reviews) | 3.2/5 (58 reviews) | 4.2/5 (43 reviews) | | Largest Segment | Small-Business | Small-Business | | Ease of Setup score | 8.1 | 9.8 | | Quality of Support score | 6.4 | 8.2 | | Top Reviewer-Cited Strength | Flexible Payments | Convenience | ### How do the pricing models of Klarna and Afterpay compare? Afterpay is rated as the stronger value, with higher satisfaction on price and cost-related dimensions. - **Klarna:** Recent reviewers appreciate interest-free installment options but mention merchant fees as a drawback. - **Afterpay:** Reviewers highlight interest-free payments and clear, predictable installments, though some note high merchant fees. - **Switching reasons:** In recent reviews, several reviewers mention switching from Klarna to Afterpay due to simpler processes and fewer issues with approvals and customer service. ### What are the best alternatives to Klarna and Afterpay? Sezzle, PayPal Payments, and Affirm are the top three alternatives to Klarna and Afterpay. | Product | G2 Rating (reviews) | Largest Segment | Pricing Insight | Top Reviewer-Cited Strength | | --- | --- | --- | --- | --- | | [Klarna](https://www.g2.com/products/klarna/reviews) | 3.2/5 (58 reviews) | Small-Business | Recent reviewers cite interest-free payments but mention merchant fees. | Flexible Payments | | [Afterpay](https://www.g2.com/products/afterpay/reviews) | 4.2/5 (43 reviews) | Small-Business | Recent reviewers highlight interest-free payments and clear installment plans. | Convenience | | [Sezzle](https://www.g2.com/products/sezzle/reviews) | 4.6/5 (122 reviews) | Small-Business | — | Flexible payment options | | [PayPal Payments](https://www.g2.com/products/paypal/reviews) | 4.4/5 (2,749 reviews) | Small-Business | — | Widely accepted and trusted | | [Affirm](https://www.g2.com/products/affirm/reviews) | 4.3/5 (48 reviews) | Small-Business | — | Transparent terms | ### Which Installment Payment and Buy Now Pay Later (BNPL) features should I prioritize when comparing Klarna and Afterpay? Buyers should prioritize flexible payment options, ease of setup, quality of support, and acceptance/availability when comparing Klarna and Afterpay. - **Flexible payment options:** Klarna (3 all-time mentions), Afterpay (1 all-time mention). - **Ease of setup:** Klarna (8.1), Afterpay (9.8). - **Quality of support:** Klarna (6.4), Afterpay (8.2). - **Acceptance/availability:** Klarna (1 all-time mention for limited acceptance), Afterpay (1 all-time mention for limited acceptance). ### What are the pros and cons of Klarna vs Afterpay? Klarna's headline strength is flexible payments, while Afterpay's is convenience. - **Klarna strengths:** Flexible Payments (3 all-time mentions), Ease of Use (2 all-time mentions), No Fees (1 all-time mention), Versatility (1 all-time mention). - **Klarna trade-offs:** Poor Customer Support (1 all-time mention), Complex Setup (1 all-time mention), Limited Acceptance (1 all-time mention), Payment Issues (1 all-time mention), Fraudulent Activities (1 all-time mention). - **Afterpay strengths:** Convenience (2 all-time mentions), Easy Setup (1 all-time mention), Flexible Payments (1 all-time mention), Integrations (1 all-time mention), Financial Management (1 all-time mention). - **Afterpay trade-offs:** High Fees (1 all-time mention), Late Fees (1 all-time mention), Limited Acceptance (1 all-time mention), Strict Eligibility (1 all-time mention), Slow Performance (1 all-time mention). ### Is Klarna or Afterpay better for small businesses? Afterpay is the better fit for small businesses, with higher satisfaction scores and positive small-business reviewer sentiment. - **Klarna:** Small-Business segment; reviewers note flexible payments but cite challenges with support and merchant approval for small businesses. - **Afterpay:** Small-Business segment; reviewers highlight easy setup, strong support, and positive experiences for small business use cases. ### Which Installment Payment and Buy Now Pay Later (BNPL) platform has better integrations? Afterpay is favored for integrations, with reviewers citing integration capabilities in recent feedback. - **Klarna:** Reviewers mention integration with Shopify in recent reviews. - **Afterpay:** Reviewers cite integrations with Shop and Cash App in recent reviews. ### How do Klarna and Afterpay compare on customer support? Afterpay outperforms Klarna on Quality of Support by a material margin, 8.2 vs 6.4. - **Klarna:** Reviewers frequently report poor customer support, slow response times, and unresolved issues. - **Afterpay:** Reviewers consistently highlight responsive and helpful support, with several noting fast onboarding and positive merchant support experiences. ### Which is easier to implement, Klarna or Afterpay? Afterpay leads Klarna on Ease of Setup by a significant margin, 9.8 vs 8.1. - **Klarna:** Reviewers describe setup as generally easy, though some mention complex approval processes and challenges for small businesses. - **Afterpay:** Reviewers consistently report very easy setup, fast onboarding, and straightforward integration, with several noting setup can be completed in minutes. Alternatives **Afterpay Alternatives** ![Sezzle](https://images.g2crowd.com/uploads/product/hd_favicon/fbf6004161130470fabf335eb70f8075/sezzle.svg "Sezzle") [ Sezzle ](/products/sezzle/reviews) ![PayPal Payments](https://images.g2crowd.com/uploads/product/hd_favicon/6257a9c028b45bdc1f1ca9725d6e214c/paypal.png "PayPal Payments") [ PayPal Payments ](/products/paypal/reviews) ![Affirm](https://images.g2crowd.com/uploads/product/hd_favicon/2ae1b7dacc6af46f33f29f4d6aa92823/affirm.svg "Affirm") [ Affirm ](/products/affirm/reviews) ![Zip for Business](https://images.g2crowd.com/uploads/product/hd_favicon/5fb0914fff03903006b4508412381880/zip-for-business.svg "Zip for Business") [ Zip for Business ](/products/zip-for-business/reviews) **Klarna Alternatives** ![PayPal Payments](https://images.g2crowd.com/uploads/product/hd_favicon/6257a9c028b45bdc1f1ca9725d6e214c/paypal.png "PayPal Payments") [ PayPal Payments ](/products/paypal/reviews) ![Sezzle](https://images.g2crowd.com/uploads/product/hd_favicon/fbf6004161130470fabf335eb70f8075/sezzle.svg "Sezzle") [ Sezzle ](/products/sezzle/reviews) ![Affirm](https://images.g2crowd.com/uploads/product/hd_favicon/2ae1b7dacc6af46f33f29f4d6aa92823/affirm.svg "Affirm") [ Affirm ](/products/affirm/reviews) ![GoCardless](https://images.g2crowd.com/uploads/product/hd_favicon/f389918c425e74c0dc830a65b379d521/gocardless.svg "GoCardless") [ GoCardless ](/products/gocardless/reviews) ## Afterpay vs Klarna - Reviewers felt that Afterpay meets the needs of their business better than Klarna. - When comparing quality of ongoing product support, reviewers felt that Afterpay is the preferred option. - For feature updates and roadmaps, our reviewers preferred the direction of Afterpay over Klarna.