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Top 10 Klarna Alternatives & Competitors

(57)3.2 out of 5

Many buyers researching Klarna on G2 ultimately choose a competing solution from this list of highly rated tools. When comparing Klarna with other tools, reviewers most often evaluate features and customer service as key differentiators.
The best overall alternative to Klarna is PayPal Payments, rated ~4.4 stars on G2 from 2670+ reviewers. It is frequently praised for easy payments and security. Other well-known alternatives to Klarna are:

Sezzle – known for easy integrations and pay later (G2 star rating ~4.6)
Affirm – highly rated for affordable and flexible payments (G2 star rating ~4.3)
Afterpay – offers convenience and acceptance (G2 star rating ~4.1)
GoCardless – best suited for teams that need convenience and automation (G2 star rating ~4.6)

Browse top options below. Based on G2 review data, Klarna is most commonly used in industries like Installment Payment and Buy Now Pay Later (BNPL) Software, Payment Processing Software, Social Media Suites. Compare user ratings by vertical to find the best fit.

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Best Paid & Free Alternatives to Klarna

PayPal Payments
Sezzle
Affirm
Afterpay
GoCardless
Zip for Business
Splitit
ViaBill

Top 10 Alternatives to Klarna Recently Reviewed By G2 Community

Browse options below. Based on reviewer data, you can see how Klarna stacks up to the competition, check reviews from current & previous users in industries like Retail, Consumer Electronics, and Computer Software, and find the best product for your business.

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By PayPal

Product Description

PayPal Payments is a comprehensive payment processing solution designed to empower businesses of all sizes to accept payments seamlessly from customers worldwide. By integrating PayPal Payments, merchants can offer a variety of payment options, enhancing the checkout experience and potentially increasing conversion rates. Key Features and Functionality: - Global Payment Acceptance: Supports transactions in over 200 markets and 140 currencies, enabling businesses to cater to a diverse customer base. - Multiple Payment Methods: Allows customers to pay using credit and debit cards, PayPal balances, and other local payment methods, providing flexibility and convenience. - Seamless Integration: Compatible with major eCommerce platforms, facilitating easy integration into existing online stores. - Advanced Security Measures: Incorporates robust fraud protection tools and compliance features to safeguard both merchants and customers. - Financial Services: Offers access to business loans and working capital, assisting merchants in managing and expanding their operations. Primary Value and Solutions Provided: PayPal Payments addresses the critical need for businesses to offer secure, efficient, and versatile payment options to their customers. By leveraging PayPal's extensive network and trusted reputation, merchants can enhance customer trust, streamline payment processes, and expand their reach to international markets. The platform's comprehensive suite of tools not only facilitates payment acceptance but also supports business growth through financial services and operational insights.

Reviewers say compared to Klarna, PayPal Payments is:

More usable

More expensive

Better at meeting requirements

Categories in common with Klarna:

Installment Payment and Buy Now Pay Later (BNPL)

Sezzle

By Sezzle

4.6/5

(122)

Product Description

Reviewers say compared to Klarna, Sezzle is:

More expensive

Better at support

More usable

Categories in common with Klarna:

Installment Payment and Buy Now Pay Later (BNPL)

Affirm

By Affirm

4.3/5

(48)

Product Description

Affirm helps merchants of all sizes drive growth and better serve their customers. We’ve proven that we can increase sales and introduce new consumers to our merchant partners. That’s why our partners include household-name brands across home and lifestyle, fashion, beauty, travel, fitness, auto service and parts, and more. This network is further bolstered by the Affirm app, which gives consumers a convenient way to use Affirm as an omnichannel payment method, while providing a marketplace for merchants to reach consumers.

Reviewers say compared to Klarna, Affirm is:

More expensive

More usable

Better at support

Categories in common with Klarna:

Installment Payment and Buy Now Pay Later (BNPL)

Klarna Alternatives FAQs

Generated using AI

According to G2 data, Klarna has an average rating of 3.1/5 from 56 reviews, whereas PayPal Payments holds a significantly higher average rating of 4.4/5 based on 2,719 reviews. PayPal Payments outperforms Klarna across key dimensions: it scores 9.0 versus 7.1 in meeting requirements (+1.9), 9.1 versus 7.0 in usability (+2.1), 8.9 versus 8.1 in ease of setup (+0.8), and 8.3 versus 6.4 in support (+1.9). User feedback highlights PayPal's ease of use, reliability, fast and secure international payments, and broad acceptance worldwide. Klarna is appreciated for its flexible payment options like Buy Now, Pay Later and ease of use but is limited by lower acceptance, confusing interface, and concerns about customer support and fraud. PayPal Payments also offers extensive integrations and strong buyer and seller protections, making it a more comprehensive and trusted payment solution overall.

The best alternatives to Klarna based on G2 user reviews and ratings include PayPal Payments (4.4/5 stars, 2719 reviews), Sezzle (4.6/5 stars, 122 reviews), Affirm (4.3/5 stars, 48 reviews), Afterpay (4.1/5 stars, 40 reviews), and GoCardless (4.6/5 stars, 320 reviews). These alternatives have higher average ratings and more positive user feedback compared to Klarna's 3.1/5 stars from 56 reviews. They also excel in ease of use, support, and meeting requirements.

Reviewers recommend PayPal Payments for its global payment acceptance, multiple payment methods, and robust security, with 474 mentions of ease of use and 237 mentions of convenience. Sezzle is praised for increasing sales and order values through interest-free installment plans and easy integration with Shopify. Affirm is favored for transparent and flexible payment options without late fees or hidden charges, supporting payment terms up to 60 months and increasing average cart sizes by up to 85%. Afterpay is noted for convenience, ease of use, and integration capabilities, especially in fashion retail. GoCardless stands out for automating recurring payments, reducing manual chasing, and integrating with accounting software, enhancing payment efficiency. These tools are recommended over Klarna due to better customer support, usability, and broader acceptance.

Users choose PayPal Payments over Klarna primarily due to its superior reliability, global acceptance, and ease of use, as reflected in its 4.4-star average rating from 2,719 reviews compared to Klarna's 3.1 from 56. PayPal's strengths include fast, secure transactions, seamless international payments, and a user-friendly interface praised in over 474 mentions. Its strong buyer and seller protections and integration capabilities further enhance user confidence. Despite some complaints about higher transaction and currency conversion fees (noted in 234 reviews), users value PayPal's comprehensive support and payment features. Klarna, while offering flexible payment plans, suffers from limited vendor acceptance and less effective customer support, leading users to prefer PayPal for more dependable and widely accepted payment processing.