Link copied to clipboard # Klarna vs Splitit Comparison - What are their main differences? Share [ Export ](/compare/klarna/splitit/export.csv) KlarnaSplitit[+ Add Product](#) Reviews **Klarna** [ 3.2/5(58) ](https://www.g2.com/products/klarna/reviews#reviews) **Splitit** [ 4.1/5(20) ](https://www.g2.com/products/splitit/reviews#reviews) Pricing **Klarna** No pricing available **Splitit** No pricing available **Pricing Insights** from reviews Time to Implement **Klarna** Not enough reviews yet **Splitit** 2 months Based on 7 responses Return on Investment **Klarna** Not enough reviews yet **Splitit** Not enough reviews yet Perceived Cost **Klarna** $$$$$ **Splitit** Not enough reviews yet Average Discount **Klarna** Not enough reviews yet **Splitit** Not enough reviews yet Pros & Cons **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) **Splitit** [ Fraudulent Activities (1) ](https://www.g2.com/products/splitit/reviews?filters%5Bsentiment_snippet%5D=1974733&qs=pros-and-cons#reviews)[ Late Fees (1) ](https://www.g2.com/products/splitit/reviews?filters%5Bsentiment_snippet%5D=2154216&qs=pros-and-cons#reviews) Screenshots **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) **Splitit** ![Splitit 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/1399074/payment-method-expanded.png) Ratings Meets Requirements **Klarna** 7.1 7.130 **Splitit** 8.1 8.113 Ease of Use **Klarna** 7.0 7.030 **Splitit** 8.1 8.113 Ease of Setup **Klarna** 8.1 8.18 **Splitit** 8.8 8.811 Ease of Admin **Klarna** Not enough data **Splitit** 8.7 8.710 Quality of Support **Klarna** 6.4 6.428 **Splitit** 8.2 8.213 Has the product been a good partner in doing business? **Klarna** Not enough data **Splitit** 9.5 9.510 Product Direction (% positive) **Klarna** 5.7 5.730 **Splitit** 7.3 7.313 Features Installment Payment and Buy Now Pay Later (BNPL)[Hide 11 FeaturesShow 11 Features](javascript:void(0);) 7.1 28 7.5 13 Administration - Installment Payment and Buy Now Pay Later (BNPL) Email Notifications 7.6 20 8.5(won by 0.9) 11 (There is a greater than 0.5 difference between this product's rating and its competitors) Invoicing 7.0 16 7.6(won by 0.6) 11 (There is a greater than 0.5 difference between this product's rating and its competitors) Customer Portal 7.1(tied score) 19 7.1(tied score) 11 Loyalty Management 5.5 14 6.9(won by 1.4) 8 (There is a greater than 0.5 difference between this product's rating and its competitors) Payment Tools - Installment Payment and Buy Now Pay Later (BNPL) Payment Gateway 7.4(won by 0.1) 23 7.3 11 Payment Tracking 7.9(won by 0.5) 21 (There is a greater than 0.5 difference between this product's rating and its competitors) 7.4 11 E-commerce Integration 7.0 18 7.3(won by 0.3) 11 Payment Scheduling 7.5 23 7.7(won by 0.2) 10 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 Live chat discussions Not enough data Not enough data Social media Not enough data Not enough data One-to-one call scheduling Not enough data Not enough data Omnichannel livestreaming Not enough data Not enough data Stream sharing Not enough data Not enough data Product demonstrations 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 Campaign management tool Not enough data Not enough data CRM & Data Platform Integration Not enough data Not enough data Smartphone and DSLR Not enough data Not enough data API Not enough data Not enough data Live selling Social media Not enough data Not enough data Marketplaces Not enough data Not enough data Lead capturing and distribution Not enough data Not enough data E-commerce platform Not enough data Not enough data Analytics Data Capture Not enough data Not enough data Reporting Not enough data Not enough data Campaign performance Not enough data Not enough data Product Insights Not enough data Not enough data Generative AI AI Text-to-3D Not enough data Not enough data User Insights Reviewers' Company Size [![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% [![Splitit](https://images.g2crowd.com/uploads/product/hd_favicon/54f657811dcf294989ca2cefdd7f44e5/splitit.svg "Splitit")](https://www.g2.com/products/splitit/reviews) Splitit Small-Business(50 or fewer emp.) 72.2% Mid-Market(51-1000 emp.) 27.8% Enterprise(\> 1000 emp.) 0% Small-Business (50 or fewer emp.) 81.5% 72.2% Mid-Market (51-1000 emp.) 9.3% 27.8% Enterprise (\> 1000 emp.) 9.3% 0% Reviewers' Industry [![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% [![Splitit](https://images.g2crowd.com/uploads/product/hd_favicon/54f657811dcf294989ca2cefdd7f44e5/splitit.svg "Splitit")](https://www.g2.com/products/splitit/reviews) Splitit Consumer Goods 22.2% Luxury Goods & Jewelry 16.7% Consulting 5.6% Management Consulting 5.6% Internet 5.6% Other 44.4% FAQs ## Klarna vs Splitit FAQs Generated using AI Last updated: August 14, 2026 ### What is the difference between Klarna vs Splitit? Klarna and Splitit differ most clearly in reviewer satisfaction, with Splitit earning higher scores for both setup and support. | [Klarna](https://www.g2.com/products/klarna/reviews) | [Splitit](https://www.g2.com/products/splitit/reviews) | | --- | --- | | 3.2/5 (58 reviews) | 4.1/5 (20 reviews) | | Small-Business | Small-Business | | 8.1 | 8.8 | | 6.4 | 8.2 | | Flexible Payments | — | ### How do the pricing models of Klarna and Splitit compare? Splitit is rated higher for value, with a stronger Price/Cost satisfaction score than Klarna. - **Klarna:** In recent reviews, several reviewers appreciate Klarna's interest-free installment options but mention merchant fees and occasional dissatisfaction with value. - **Splitit:** Reviewers highlight Splitit's 0% financing with no fees for consumers and low merchant fees, describing it as intuitive and easy to use. - **Switching reasons:** Recent Klarna reviewers cite switching to alternatives due to merchant fees and customer service frustrations. ### What are the best alternatives to Klarna and Splitit? The top three alternatives to Klarna and Splitit are GoCardless, PayPal Payments, and Sezzle. | 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 | Merchant fees noted in recent reviews | Flexible Payments | | [Splitit](https://www.g2.com/products/splitit/reviews) | 4.1/5 (20 reviews) | Small-Business | 0% financing, low merchant fees | Interest-Free Installments | | [GoCardless](https://www.g2.com/products/gocardless/reviews) | 4.6/5 (321 reviews) | Small-Business | — | Recurring Payments | | [PayPal Payments](https://www.g2.com/products/paypal/reviews) | 4.4/5 (2,749 reviews) | Small-Business | — | Ubiquity and Trust | | [Sezzle](https://www.g2.com/products/sezzle/reviews) | 4.6/5 (122 reviews) | Small-Business | — | Flexible Installments | ### Which Installment Payment and Buy Now Pay Later (BNPL) features should I prioritize when comparing Klarna and Splitit? Buyers comparing Klarna and Splitit should prioritize flexible payment options, ease of setup, quality of support, and value for merchant fees. - **Flexible Payment Options:** Klarna is cited for Flexible Payments (3 all-time mentions); Splitit is highlighted for Interest-Free Installments in recent reviews. - **Ease of Setup:** Klarna scores 8.1; Splitit scores 8.8. - **Quality of Support:** Klarna scores 6.4; Splitit scores 8.2. - **Merchant Fees/Value:** Klarna reviewers mention merchant fees as a trade-off; Splitit reviewers highlight low merchant fees and 0% financing. ### What are the pros and cons of Klarna vs Splitit? Klarna's headline strength is flexible payment options, while Splitit's is interest-free installment plans with high satisfaction on support and setup. - **Klarna strengths:** Flexible Payments (3 all-time mentions), Ease of Use (2 all-time mentions), Convenience, No Fees, Pay Later, Payment Efficiency, Versatility. - **Klarna trade-offs:** Complex Setup, Fraudulent Activities, Limited Acceptance, Limited Availability, Payment Issues, Poor Customer Support, UX Improvement (all with 1 all-time mention each). - **Splitit strengths:** Interest-Free Installments, 0% financing, low merchant fees, intuitive setup, easy-to-use dashboard, global solution, increased conversion and AOV, no credit check required (all cited in recent reviews). - **Splitit trade-offs:** Fraudulent Activities, Late Fees, Payment Issues (1 all-time mention each), credit holds on cards, requires available credit, customer confusion about authorization process. ### Is Klarna or Splitit better for small businesses? Splitit is the better fit for small businesses, with higher satisfaction scores and positive small-business reviewer sentiment. - **Klarna:** Small-Business is the largest segment, but recent reviews from small businesses cite challenges with merchant approval and customer support. - **Splitit:** Small-Business is the largest segment, and reviewers highlight ease of setup, increased sales, and improved cash flow for small businesses. ### Which Installment Payment and Buy Now Pay Later (BNPL) platform has better integrations? Reviewer sentiment is at parity for Klarna and Splitit on integrations, with no recent reviews highlighting third-party integrations for either product. - **Klarna:** Shopify integration is mentioned in recent reviews, but no all-time mention count is supplied. - **Splitit:** Shopify and eCommerce platform integrations are cited in recent reviews, but no all-time mention count is supplied. ### How do Klarna and Splitit compare on customer support? Splitit outperforms Klarna on Quality of Support by a material margin, scoring 8.2 versus Klarna's 6.4. - **Klarna:** Reviewers frequently cite poor customer support, slow response times, and unresolved issues, with multiple recent reviews describing support as unsupportive or unhelpful. - **Splitit:** Reviewers consistently praise Splitit's onboarding, technical, and marketing support, with several describing support as responsive, quick, and helpful. ### Which is easier to implement, Klarna or Splitit? Splitit is easier to implement than Klarna, with an Ease of Setup score of 8.8 compared to Klarna's 8.1. - **Klarna:** Recent reviews describe setup as generally easy, though some mention initial difficulties and complex approval processes for merchants. - **Splitit:** Reviewers highlight intuitive setup, simple integration, and a straightforward onboarding process, with multiple reviews rating setup at the maximum score. Alternatives **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) ![Afterpay](https://images.g2crowd.com/uploads/product/hd_favicon/4e7c2b067d5e2a249287296da191b347/afterpay.svg "Afterpay") [ Afterpay ](/products/afterpay/reviews) **Splitit Alternatives** ![GoCardless](https://images.g2crowd.com/uploads/product/hd_favicon/f389918c425e74c0dc830a65b379d521/gocardless.svg "GoCardless") [ GoCardless ](/products/gocardless/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) ![Afterpay](https://images.g2crowd.com/uploads/product/hd_favicon/4e7c2b067d5e2a249287296da191b347/afterpay.svg "Afterpay") [ Afterpay ](/products/afterpay/reviews) ## Klarna vs Splitit - Reviewers felt that Splitit meets the needs of their business better than Klarna. - When comparing quality of ongoing product support, reviewers felt that Splitit is the preferred option. - For feature updates and roadmaps, our reviewers preferred the direction of Splitit over Klarna.