# Afterpay, Laybuy vs Klarna Comparison | | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Star Rating** | 4.1 out of 5 | 4.3 out of 5 | 3.2 out of 5 | | **Total Reviews** | 42 | 10 | 58 | | **Largest Market Segment** | Small-Business (86.8% of reviews) | Small-Business (60.0% of reviews) | Small-Business (81.5% of reviews) | | **Entry Level Price** | No pricing available | No pricing available | No pricing available | --- ## Top Pros & Cons ### Afterpay Pros: - Convenience (2 reviews) - Acceptance (1 reviews) Cons: - High Fees (1 reviews) - Late Fees (1 reviews) ### Laybuy **Not enough data** ### Klarna Pros: - Flexible Payments (3 reviews) - Ease of Use (2 reviews) Cons: - Complex Setup (1 reviews) - Fraudulent Activities (1 reviews) --- ## Ratings Comparison | Rating | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Meets Requirements** | 8.6 (23 reviews) | 8.5 (8 reviews) | 7.1 (30 reviews) | | **Ease of Use** | 8.7 (23 reviews) | 9.0 (8 reviews) | 7.0 (30 reviews) | | **Ease of Setup** | 9.7 (6 reviews) | Not enough data | 8.1 (8 reviews) | | **Ease of Admin** | Not enough data | Not enough data | Not enough data | | **Quality of Support** | 8.2 (21 reviews) | 7.7 (8 reviews) | 6.4 (28 reviews) | | **Has the product been a good partner in doing business?** | Not enough data | Not enough data | Not enough data | | **Product Direction (% positive)** | 7.9 (22 reviews) | 7.1 (8 reviews) | 5.7 (30 reviews) | --- ## Pricing ### Afterpay #### Entry-Level Pricing No pricing available #### Free Trial No information available ### Laybuy #### Entry-Level Pricing No pricing available #### Free Trial No information available ### Klarna #### Entry-Level Pricing No pricing available #### Free Trial No information available --- ## Features Comparison By Category ### Installment Payment and Buy Now Pay Later (BNPL) | Product | Score | Reviews | |---|---|---| | **Afterpay** | 7.8/10 | 21 | | **Laybuy** | 8.6/10 | 5 | | **Klarna** | 7.1/10 | 28 | #### Administration - Installment Payment and Buy Now Pay Later (BNPL) | Feature | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Email Notifications** | 7.9 (19 reviews) | 8.7 (5 reviews) | 7.6 (20 reviews) | | **Invoicing** | 7.3 (14 reviews) | Not enough data | 7.0 (16 reviews) | | **Customer Portal** | 7.7 (17 reviews) | Not enough data | 7.1 (19 reviews) | | **Loyalty Management** | 7.1 (14 reviews) | Not enough data | 5.5 (14 reviews) | #### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL) | Feature | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Payment Gateway** | 7.9 (14 reviews) | 8.3 (5 reviews) | 7.4 (23 reviews) | | **Payment Tracking** | 8.2 (16 reviews) | Not enough data | 7.9 (21 reviews) | | **E-commerce Integration** | 8.0 (14 reviews) | 8.7 (5 reviews) | 7.0 (18 reviews) | | **Payment Scheduling** | 8.1 (18 reviews) | Not enough data | 7.5 (23 reviews) | #### Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features | Feature | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Adaptive Learning** | Not enough data | Not enough data | Not enough data | | **Proactive Assistance** | Not enough data | Not enough data | Not enough data | | **Decision Making** | Not enough data | Not enough data | Not enough data | ### Live Commerce | Product | Score | Reviews | |---|---|---| | **Afterpay** | N/A | N/A | | **Laybuy** | N/A | N/A | | **Klarna** | N/A | N/A | #### Engagement | Feature | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Live streaming** | Not enough data | Not enough data | Not enough data | | **Live chat discussions** | Not enough data | Not enough data | Not enough data | | **Social media** | Not enough data | Not enough data | Not enough data | | **One-to-one call scheduling** | Not enough data | Not enough data | Not enough data | | **Omnichannel livestreaming ** | Not enough data | Not enough data | Not enough data | | **Stream sharing** | Not enough data | Not enough data | Not enough data | | **Product demonstrations** | Not enough data | Not enough data | Not enough data | #### Integration | Feature | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Shopping cart** | Not enough data | Not enough data | Not enough data | | **Social media** | Not enough data | Not enough data | Not enough data | | **Video analytics tools** | Not enough data | Not enough data | Not enough data | | **Campaign management tool** | Not enough data | Not enough data | Not enough data | | **CRM & Data Platform Integration** | Not enough data | Not enough data | Not enough data | | **Smartphone and DSLR ** | Not enough data | Not enough data | Not enough data | | **API** | Not enough data | Not enough data | Not enough data | #### Live selling | Feature | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Social media** | Not enough data | Not enough data | Not enough data | | **Marketplaces** | Not enough data | Not enough data | Not enough data | | **Lead capturing and distribution** | Not enough data | Not enough data | Not enough data | | **E-commerce platform** | Not enough data | Not enough data | Not enough data | #### Analytics | Feature | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Data Capture** | Not enough data | Not enough data | Not enough data | | **Reporting** | Not enough data | Not enough data | Not enough data | | **Campaign performance** | Not enough data | Not enough data | Not enough data | | **Product Insights** | Not enough data | Not enough data | Not enough data | #### Generative AI | Feature | Afterpay | Laybuy | Klarna | |---|---|---|---| | **AI Text-to-3D** | Not enough data | Not enough data | Not enough data | --- ## Categories **Shared Categories (1):** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Unique to Klarna (1):** [Live Commerce Software](https://www.g2.com/categories/live-commerce) --- ## Reviewer Demographics ### By Company Size | Segment | Afterpay | Laybuy | Klarna | |---|---|---|---| | **Small-Business** | 86.8% | 60.0% | 81.5% | | **Mid-Market** | 7.9% | 20.0% | 9.3% | | **Enterprise** | 5.3% | 20.0% | 9.3% | ### By Industry #### Afterpay - **Apparel & Fashion:** 18.9% - **Consumer Goods:** 10.8% - **Accounting:** 8.1% - **Retail:** 8.1% - **Music:** 5.4% - **Airlines/Aviation:** 2.7% - **Banking:** 2.7% - **Computer & Network Security:** 2.7% - **Construction:** 2.7% - **Consumer Services:** 2.7% - **Other:** 35.1% #### Laybuy - **Information Technology and Services:** 20.0% - **Consulting:** 10.0% - **Non-Profit Organization Management:** 10.0% - **Graphic Design:** 10.0% - **Entertainment:** 10.0% - **Consumer Services:** 10.0% - **Biotechnology:** 10.0% - **Architecture & Planning:** 10.0% - **Accounting:** 10.0% #### Klarna - **Retail:** 17.3% - **Apparel & Fashion:** 9.6% - **Consumer Services:** 5.8% - **Alternative Dispute Resolution:** 3.8% - **Health, Wellness and Fitness:** 3.8% - **Consumer Electronics:** 3.8% - **Computer & Network Security:** 3.8% - **Computer Software:** 3.8% - **Financial Services:** 1.9% - **Entertainment:** 1.9% - **Other:** 44.2% --- ## Alternatives ### Alternatives to Afterpay - [Sezzle](https://www.g2.com/products/sezzle/reviews) — 4.6/5 stars (122 reviews) - [Affirm](https://www.g2.com/products/affirm/reviews) — 4.3/5 stars (48 reviews) - [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) — 4.4/5 stars (22 reviews) - [Splitit](https://www.g2.com/products/splitit/reviews) — 4.1/5 stars (20 reviews) - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews) - [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews) - [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews) — 4.2/5 stars (10 reviews) - [Four](https://www.g2.com/products/four/reviews) — 4.1/5 stars (10 reviews) - [ViaBill](https://www.g2.com/products/viabill/reviews) — 4.2/5 stars (17 reviews) - [EasyPay](https://www.g2.com/products/easypay/reviews) — 4.4/5 stars (32 reviews) ### Alternatives to Laybuy - [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews) — 4.2/5 stars (10 reviews) - [Sezzle](https://www.g2.com/products/sezzle/reviews) — 4.6/5 stars (122 reviews) - [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews) - [Splitit](https://www.g2.com/products/splitit/reviews) — 4.1/5 stars (20 reviews) - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews) - [EasyPay](https://www.g2.com/products/easypay/reviews) — 4.4/5 stars (32 reviews) - [Sunbit](https://www.g2.com/products/sunbit/reviews) — 4.9/5 stars (139 reviews) - [Affirm](https://www.g2.com/products/affirm/reviews) — 4.3/5 stars (48 reviews) - [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) — 4.4/5 stars (22 reviews) - [Partial.ly](https://www.g2.com/products/partial-ly/reviews) — 4.4/5 stars (15 reviews) ### Alternatives to Klarna - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews) - [Sezzle](https://www.g2.com/products/sezzle/reviews) — 4.6/5 stars (122 reviews) - [Affirm](https://www.g2.com/products/affirm/reviews) — 4.3/5 stars (48 reviews) - [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews) - [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) — 4.4/5 stars (22 reviews) - [Splitit](https://www.g2.com/products/splitit/reviews) — 4.1/5 stars (20 reviews) - [ViaBill](https://www.g2.com/products/viabill/reviews) — 4.2/5 stars (17 reviews) - [Emplifi](https://www.g2.com/products/emplifi-emplifi/reviews) — 4.4/5 stars (382 reviews) - [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews) — 4.2/5 stars (10 reviews) - [Partial.ly](https://www.g2.com/products/partial-ly/reviews) — 4.4/5 stars (15 reviews) --- ## Top Discussions ### Afterpay No discussions available for this product. ### Laybuy No discussions available for this product. ### Klarna No discussions available for this product. --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/afterpay-vs-laybuy-vs-klarna)