# Klarna, Wisetack vs Affirm Comparison

| | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **Star Rating** | 3.2 out of 5 | 4.6 out of 5 | 4.3 out of 5 | 
| **Total Reviews** | 57 | 24 | 48 | 
| **Largest Market Segment** | Small-Business (81.1% of reviews) | Small-Business (100.0% of reviews) | Small-Business (83.3% of reviews) | 
| **Entry Level Price** | No pricing available | No pricing available | No pricing available | 

---
## Top Pros & Cons

### Klarna

Pros:
- Flexible Payments (3 reviews)
- Ease of Use (2 reviews)

Cons:
- Complex Setup (1 reviews)
- Fraudulent Activities (1 reviews)

### Wisetack

Pros:
- Ease of Use (4 reviews)
- Easy Integrations (2 reviews)


### Affirm

Pros:
- Affordable (2 reviews)
- Ease of Use (2 reviews)

Cons:
- Credit Score (1 reviews)
- High Fees (1 reviews)

---
## Ratings Comparison
| Rating | Klarna | Wisetack | Affirm | 
|---|---|---|---|
  | **Meets Requirements** | 7.1 (30 reviews) | 8.7 (20 reviews) | 8.3 (20 reviews) | 
  | **Ease of Use** | 7.0 (30 reviews) | 9.4 (21 reviews) | 8.5 (21 reviews) | 
  | **Ease of Setup** | 8.1 (8 reviews) | 9.8 (15 reviews) | 7.7 (11 reviews) | 
  | **Ease of Admin** | Not enough data | 9.2 (14 reviews) | 7.8 (9 reviews) | 
  | **Quality of Support** | 6.4 (28 reviews) | 8.9 (19 reviews) | 7.6 (19 reviews) | 
  | **Has the product been a good partner in doing business?** | Not enough data | 8.6 (13 reviews) | 7.4 (9 reviews) | 
  | **Product Direction (% positive)** | 5.7 (30 reviews) | 8.7 (18 reviews) | 6.3 (19 reviews) | 

---
## Pricing

### Klarna

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### Wisetack

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### Affirm

#### 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 |
|---|---|---|
| **Klarna** | 7.1/10 | 28 |
| **Wisetack** | 8.7/10 | 13 |
| **Affirm** | 8.7/10 | 19 |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **Email Notifications** | 7.6 (20 reviews) | 9.9 (12 reviews) | 8.3 (12 reviews) | 
| **Invoicing** | 7.0 (16 reviews) | 8.9 (11 reviews) | Feature Not Available | 
| **Customer Portal** | 7.1 (19 reviews) | 8.5 (9 reviews) | 9.0 (12 reviews) | 
| **Loyalty Management** | 5.5 (14 reviews) | 7.9 (7 reviews) | 8.3 (10 reviews) | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **Payment Gateway** | 7.4 (23 reviews) | 8.6 (7 reviews) | 8.8 (14 reviews) | 
| **Payment Tracking** | 7.9 (21 reviews) | 8.9 (9 reviews) | 9.1 (15 reviews) | 
| **E-commerce Integration** | 7.0 (18 reviews) | 8.6 (7 reviews) | 8.3 (16 reviews) | 
| **Payment Scheduling** | 7.5 (23 reviews) | 8.6 (7 reviews) | 9.1 (16 reviews) | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **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 |
|---|---|---|
| **Klarna** | N/A | N/A |
| **Wisetack** | N/A | N/A |
| **Affirm** | N/A | N/A |

#### Engagement

| Feature | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **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 | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **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 | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **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 | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **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 | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **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 | Klarna | Wisetack | Affirm | 
|---|---|---|---|
| **Small-Business** | 81.1% | 100.0% | 83.3% | 
| **Mid-Market** | 9.4% | 0% | 14.3% | 
| **Enterprise** | 9.4% | 0% | 2.4% | 

### By Industry

#### 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%

#### Wisetack

- **Construction:** 62.5%
- **Consumer Services:** 16.7%
- **Retail:** 4.2%
- **Facilities Services:** 4.2%
- **Computer & Network Security:** 4.2%
- **Building Materials:** 4.2%
- **Automotive:** 4.2%

#### Affirm

- **Retail:** 21.4%
- **Health, Wellness and Fitness:** 14.3%
- **Consumer Electronics:** 11.9%
- **Automotive:** 9.5%
- **Consumer Goods:** 4.8%
- **Alternative Medicine:** 2.4%
- **Apparel & Fashion:** 2.4%
- **Construction:** 2.4%
- **Consumer Services:** 2.4%
- **Electrical/Electronic Manufacturing:** 2.4%
- **Other:** 26.2%

---
## Alternatives

### Alternatives to Klarna

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2742 reviews)
- [Sezzle](https://www.g2.com/products/sezzle/reviews) — 4.6/5 stars (122 reviews)
- [Afterpay](https://www.g2.com/products/afterpay/reviews) — 4.1/5 stars (41 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)

### Alternatives to Wisetack

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2742 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [Sezzle](https://www.g2.com/products/sezzle/reviews) — 4.6/5 stars (122 reviews)
- [Sunbit](https://www.g2.com/products/sunbit/reviews) — 4.9/5 stars (139 reviews)
- [Splitit](https://www.g2.com/products/splitit/reviews) — 4.1/5 stars (20 reviews)
- [Afterpay](https://www.g2.com/products/afterpay/reviews) — 4.1/5 stars (41 reviews)
- [Zip for Business](https://www.g2.com/products/zip-for-business/reviews) — 4.4/5 stars (22 reviews)
- [Credit Key](https://www.g2.com/products/credit-key/reviews) — 4.7/5 stars (34 reviews)
- [Capchase](https://www.g2.com/products/capchase/reviews) — 4.5/5 stars (42 reviews)
- [EasyPay](https://www.g2.com/products/easypay/reviews) — 4.4/5 stars (32 reviews)

### Alternatives to Affirm

- [Sezzle](https://www.g2.com/products/sezzle/reviews) — 4.6/5 stars (122 reviews)
- [Afterpay](https://www.g2.com/products/afterpay/reviews) — 4.1/5 stars (41 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 (2742 reviews)
- [Bread Pay](https://www.g2.com/products/bread-pay/reviews) — 4.0/5 stars (6 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [Sunbit](https://www.g2.com/products/sunbit/reviews) — 4.9/5 stars (139 reviews)
- [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews) — 4.2/5 stars (10 reviews)
- [ViaBill](https://www.g2.com/products/viabill/reviews) — 4.2/5 stars (17 reviews)

---
## Top Discussions

### Klarna

No discussions available for this product.

### Wisetack

- Title: [How does Wisetack work?](https://www.g2.com/discussions/how-does-wisetack-work) — 1 comment
  > **Top comment:** "We are using HouseCall Pro and it’s just a click for customer at the estimate and get financing with wisetack just that easy "
- Title: [What does Wisetack do?](https://www.g2.com/discussions/what-does-wisetack-do) — 1 comment *(includes official response)*
  > **Top comment:** "Hi! Wisetack is a Buy Now Pay Later (BNPL) solution for in-person services like home repair, dental, veterinary and automotive, with fair and transparent..."

### Affirm

- Title: [What is special about Affirm?](https://www.g2.com/discussions/what-is-special-about-affirm) — 1 comment
  > **Top comment:** "The flexibility of integration and wide range of financing options we can offer to our customers as a merchant "

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/klarna-vs-wisetack-vs-affirm)