# Top 10 Klarna Alternatives & Competitors
**Average Rating:** 3.2/5
**Total Number of Reviews:** 58
Explore the best alternatives to Klarna for users who need new software features or want to try different solutions. Other important factors to consider when researching alternatives to Klarna include features and customer service. The best overall Klarna alternative is PayPal Payments. Other similar apps like Klarna are Sezzle, Affirm, Afterpay, and GoCardless. Klarna alternatives can be found in [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) but may also be in [Payment Processing Software](https://www.g2.com/categories/payment-processing) or [Social Media Suites](https://www.g2.com/categories/social-media-suites).


## Best Paid & Free Alternatives to Klarna
  - [PayPal Payments](https://www.g2.com/products/paypal/reviews)
  - [Sezzle](https://www.g2.com/products/sezzle/reviews)
  - [Affirm](https://www.g2.com/products/affirm/reviews)
  - [Afterpay](https://www.g2.com/products/afterpay/reviews)
  - [GoCardless](https://www.g2.com/products/gocardless/reviews)
  - [Zip for Business](https://www.g2.com/products/zip-for-business/reviews)
  - [Splitit](https://www.g2.com/products/splitit/reviews)
  - [ViaBill](https://www.g2.com/products/viabill/reviews)
  - [Emplifi](https://www.g2.com/products/emplifi-emplifi/reviews)
  - [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews)

## 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.


  ### 1. [PayPal Payments](https://www.g2.com/products/paypal/reviews)
By PayPal
**Average Rating:** 4.4/5
**Total Reviews:** 2,743
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)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs PayPal Payments](https://www.g2.com/compare/klarna-vs-paypal)
**Compare PayPal Payments with other alternatives:**
- [PayPal Payments vs Sezzle](https://www.g2.com/compare/paypal-vs-sezzle)
- [PayPal Payments vs Affirm](https://www.g2.com/compare/affirm-vs-paypal)
- [PayPal Payments vs Afterpay](https://www.g2.com/compare/afterpay-vs-paypal)
- [PayPal Payments vs GoCardless](https://www.g2.com/compare/gocardless-vs-paypal)
- [PayPal Payments vs Zip for Business](https://www.g2.com/compare/paypal-vs-zip-for-business)
- [PayPal Payments vs Splitit](https://www.g2.com/compare/paypal-vs-splitit)
- [PayPal Payments vs ViaBill](https://www.g2.com/compare/paypal-vs-viabill)
- [PayPal Payments vs Emplifi](https://www.g2.com/compare/emplifi-emplifi-vs-paypal)
- [PayPal Payments vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-paypal)

  ### 2. [Sezzle](https://www.g2.com/products/sezzle/reviews)
By Sezzle
**Average Rating:** 4.6/5
**Total Reviews:** 122
Sezzle increases sales and order values by enabling your customers to buy now and pay later with interest-free installment plans.


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)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs Sezzle](https://www.g2.com/compare/klarna-vs-sezzle)
**Compare Sezzle with other alternatives:**
- [Sezzle vs PayPal Payments](https://www.g2.com/compare/paypal-vs-sezzle)
- [Sezzle vs Affirm](https://www.g2.com/compare/affirm-vs-sezzle)
- [Sezzle vs Afterpay](https://www.g2.com/compare/afterpay-vs-sezzle)
- [Sezzle vs GoCardless](https://www.g2.com/compare/gocardless-vs-sezzle)
- [Sezzle vs Zip for Business](https://www.g2.com/compare/sezzle-vs-zip-for-business)
- [Sezzle vs Splitit](https://www.g2.com/compare/sezzle-vs-splitit)
- [Sezzle vs ViaBill](https://www.g2.com/compare/sezzle-vs-viabill)
- [Sezzle vs Emplifi](https://www.g2.com/compare/emplifi-emplifi-vs-sezzle)
- [Sezzle vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-sezzle)

  ### 3. [Affirm](https://www.g2.com/products/affirm/reviews)
By Affirm
**Average Rating:** 4.3/5
**Total Reviews:** 48
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)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs Affirm](https://www.g2.com/compare/affirm-vs-klarna)
**Compare Affirm with other alternatives:**
- [Affirm vs PayPal Payments](https://www.g2.com/compare/affirm-vs-paypal)
- [Affirm vs Sezzle](https://www.g2.com/compare/affirm-vs-sezzle)
- [Affirm vs Afterpay](https://www.g2.com/compare/affirm-vs-afterpay)
- [Affirm vs GoCardless](https://www.g2.com/compare/affirm-vs-gocardless)
- [Affirm vs Zip for Business](https://www.g2.com/compare/affirm-vs-zip-for-business)
- [Affirm vs Splitit](https://www.g2.com/compare/affirm-vs-splitit)
- [Affirm vs ViaBill](https://www.g2.com/compare/affirm-vs-viabill)
- [Affirm vs Emplifi](https://www.g2.com/compare/affirm-vs-emplifi-emplifi)
- [Affirm vs FuturePay](https://www.g2.com/compare/affirm-vs-futurepay-inc-futurepay)

  ### 4. [Afterpay](https://www.g2.com/products/afterpay/reviews)
By Afterpay
**Average Rating:** 4.1/5
**Total Reviews:** 42
Afterpay integrates with your store directly via API or by using one of our platform plugins. Afterpay also provides comprehensive technical support for initial integrations and ongoing maintenance.


Reviewers say compared to Klarna, Afterpay is:
- More expensive
- Better at support
- More usable
Categories in common with Klarna: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs Afterpay](https://www.g2.com/compare/afterpay-vs-klarna)
**Compare Afterpay with other alternatives:**
- [Afterpay vs PayPal Payments](https://www.g2.com/compare/afterpay-vs-paypal)
- [Afterpay vs Sezzle](https://www.g2.com/compare/afterpay-vs-sezzle)
- [Afterpay vs Affirm](https://www.g2.com/compare/affirm-vs-afterpay)
- [Afterpay vs GoCardless](https://www.g2.com/compare/afterpay-vs-gocardless)
- [Afterpay vs Zip for Business](https://www.g2.com/compare/afterpay-vs-zip-for-business)
- [Afterpay vs Splitit](https://www.g2.com/compare/afterpay-vs-splitit)
- [Afterpay vs ViaBill](https://www.g2.com/compare/afterpay-vs-viabill)
- [Afterpay vs Emplifi](https://www.g2.com/compare/afterpay-vs-emplifi-emplifi)
- [Afterpay vs FuturePay](https://www.g2.com/compare/afterpay-vs-futurepay-inc-futurepay)

  ### 5. [GoCardless](https://www.g2.com/products/gocardless/reviews)
By GoCardless
**Average Rating:** 4.6/5
**Total Reviews:** 321
Collect instant, one-off payments. Or automated, recurring payments. Without the chasing, stress, or expensive fees.


Reviewers say compared to Klarna, GoCardless is:
- Better at support
- Better at meeting requirements
- More usable
Categories in common with Klarna: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs GoCardless](https://www.g2.com/compare/gocardless-vs-klarna)
**Compare GoCardless with other alternatives:**
- [GoCardless vs PayPal Payments](https://www.g2.com/compare/gocardless-vs-paypal)
- [GoCardless vs Sezzle](https://www.g2.com/compare/gocardless-vs-sezzle)
- [GoCardless vs Affirm](https://www.g2.com/compare/affirm-vs-gocardless)
- [GoCardless vs Afterpay](https://www.g2.com/compare/afterpay-vs-gocardless)
- [GoCardless vs Zip for Business](https://www.g2.com/compare/gocardless-vs-zip-for-business)
- [GoCardless vs Splitit](https://www.g2.com/compare/gocardless-vs-splitit)
- [GoCardless vs ViaBill](https://www.g2.com/compare/gocardless-vs-viabill)
- [GoCardless vs Emplifi](https://www.g2.com/compare/emplifi-emplifi-vs-gocardless)
- [GoCardless vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-gocardless)

  ### 6. [Zip for Business](https://www.g2.com/products/zip-for-business/reviews)
By Zip Co Limited
**Average Rating:** 4.4/5
**Total Reviews:** 22
With Zip, you can shop at your favorite stores and pay over four installments.


Reviewers say compared to Klarna, Zip for Business is:
- More expensive
- Better at support
- More usable
Categories in common with Klarna: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs Zip for Business](https://www.g2.com/compare/klarna-vs-zip-for-business)
**Compare Zip for Business with other alternatives:**
- [Zip for Business vs PayPal Payments](https://www.g2.com/compare/paypal-vs-zip-for-business)
- [Zip for Business vs Sezzle](https://www.g2.com/compare/sezzle-vs-zip-for-business)
- [Zip for Business vs Affirm](https://www.g2.com/compare/affirm-vs-zip-for-business)
- [Zip for Business vs Afterpay](https://www.g2.com/compare/afterpay-vs-zip-for-business)
- [Zip for Business vs GoCardless](https://www.g2.com/compare/gocardless-vs-zip-for-business)
- [Zip for Business vs Splitit](https://www.g2.com/compare/splitit-vs-zip-for-business)
- [Zip for Business vs ViaBill](https://www.g2.com/compare/viabill-vs-zip-for-business)
- [Zip for Business vs Emplifi](https://www.g2.com/compare/emplifi-emplifi-vs-zip-for-business)
- [Zip for Business vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-zip-for-business)

  ### 7. [Splitit](https://www.g2.com/products/splitit/reviews)
By Splitit
**Average Rating:** 4.1/5
**Total Reviews:** 20
Splitit enables merchants from around the globe to offer their customers interest-free monthly payment plans using their existing Visa and MasterCard credit and debit cards.


Reviewers say compared to Klarna, Splitit is:
- More expensive
- Better at support
- More usable
Categories in common with Klarna: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs Splitit](https://www.g2.com/compare/klarna-vs-splitit)
**Compare Splitit with other alternatives:**
- [Splitit vs PayPal Payments](https://www.g2.com/compare/paypal-vs-splitit)
- [Splitit vs Sezzle](https://www.g2.com/compare/sezzle-vs-splitit)
- [Splitit vs Affirm](https://www.g2.com/compare/affirm-vs-splitit)
- [Splitit vs Afterpay](https://www.g2.com/compare/afterpay-vs-splitit)
- [Splitit vs GoCardless](https://www.g2.com/compare/gocardless-vs-splitit)
- [Splitit vs Zip for Business](https://www.g2.com/compare/splitit-vs-zip-for-business)
- [Splitit vs ViaBill](https://www.g2.com/compare/splitit-vs-viabill)
- [Splitit vs Emplifi](https://www.g2.com/compare/emplifi-emplifi-vs-splitit)
- [Splitit vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-splitit)

  ### 8. [ViaBill](https://www.g2.com/products/viabill/reviews)
By ViaBill
**Average Rating:** 4.2/5
**Total Reviews:** 17
ViaBill seamlessly integrates into your website's checkout flow and enables higher conversion, larger AOV, and revenue.


Reviewers say compared to Klarna, ViaBill is:
- More usable
- Better at support
- More expensive
Categories in common with Klarna: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs ViaBill](https://www.g2.com/compare/klarna-vs-viabill)
**Compare ViaBill with other alternatives:**
- [ViaBill vs PayPal Payments](https://www.g2.com/compare/paypal-vs-viabill)
- [ViaBill vs Sezzle](https://www.g2.com/compare/sezzle-vs-viabill)
- [ViaBill vs Affirm](https://www.g2.com/compare/affirm-vs-viabill)
- [ViaBill vs Afterpay](https://www.g2.com/compare/afterpay-vs-viabill)
- [ViaBill vs GoCardless](https://www.g2.com/compare/gocardless-vs-viabill)
- [ViaBill vs Zip for Business](https://www.g2.com/compare/viabill-vs-zip-for-business)
- [ViaBill vs Splitit](https://www.g2.com/compare/splitit-vs-viabill)
- [ViaBill vs Emplifi](https://www.g2.com/compare/emplifi-emplifi-vs-viabill)
- [ViaBill vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-viabill)

  ### 9. [Emplifi](https://www.g2.com/products/emplifi-emplifi/reviews)
By Emplifi
**Average Rating:** 4.4/5
**Total Reviews:** 382
From managing a multi-channel strategy to analyzing trends and optimizing performance, Emplifi’s social media marketing tools will enable your brand to amplify meaningful experiences at scale.


Reviewers say compared to Klarna, Emplifi is:
- More expensive
- Better at support
- More usable
Categories in common with Klarna: [Live Commerce](https://www.g2.com/categories/live-commerce)

**Compare:** [Klarna vs Emplifi](https://www.g2.com/compare/emplifi-emplifi-vs-klarna)
**Compare Emplifi with other alternatives:**
- [Emplifi vs PayPal Payments](https://www.g2.com/compare/emplifi-emplifi-vs-paypal)
- [Emplifi vs Sezzle](https://www.g2.com/compare/emplifi-emplifi-vs-sezzle)
- [Emplifi vs Affirm](https://www.g2.com/compare/affirm-vs-emplifi-emplifi)
- [Emplifi vs Afterpay](https://www.g2.com/compare/afterpay-vs-emplifi-emplifi)
- [Emplifi vs GoCardless](https://www.g2.com/compare/emplifi-emplifi-vs-gocardless)
- [Emplifi vs Zip for Business](https://www.g2.com/compare/emplifi-emplifi-vs-zip-for-business)
- [Emplifi vs Splitit](https://www.g2.com/compare/emplifi-emplifi-vs-splitit)
- [Emplifi vs ViaBill](https://www.g2.com/compare/emplifi-emplifi-vs-viabill)
- [Emplifi vs FuturePay](https://www.g2.com/compare/emplifi-emplifi-vs-futurepay-inc-futurepay)

  ### 10. [FuturePay](https://www.g2.com/products/futurepay-inc-futurepay/reviews)
By FuturePay
**Average Rating:** 4.2/5
**Total Reviews:** 10
FuturePay is a payment option that lets your customers buy now and pay later – without a credit card.


Reviewers say compared to Klarna, FuturePay is:
- More expensive
- More usable
- Better at support
Categories in common with Klarna: [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)

**Compare:** [Klarna vs FuturePay](https://www.g2.com/compare/futurepay-inc-futurepay-vs-klarna)
**Compare FuturePay with other alternatives:**
- [FuturePay vs PayPal Payments](https://www.g2.com/compare/futurepay-inc-futurepay-vs-paypal)
- [FuturePay vs Sezzle](https://www.g2.com/compare/futurepay-inc-futurepay-vs-sezzle)
- [FuturePay vs Affirm](https://www.g2.com/compare/affirm-vs-futurepay-inc-futurepay)
- [FuturePay vs Afterpay](https://www.g2.com/compare/afterpay-vs-futurepay-inc-futurepay)
- [FuturePay vs GoCardless](https://www.g2.com/compare/futurepay-inc-futurepay-vs-gocardless)
- [FuturePay vs Zip for Business](https://www.g2.com/compare/futurepay-inc-futurepay-vs-zip-for-business)
- [FuturePay vs Splitit](https://www.g2.com/compare/futurepay-inc-futurepay-vs-splitit)
- [FuturePay vs ViaBill](https://www.g2.com/compare/futurepay-inc-futurepay-vs-viabill)
- [FuturePay vs Emplifi](https://www.g2.com/compare/emplifi-emplifi-vs-futurepay-inc-futurepay)


---
## Klarna Alternatives FAQs

### Which Installment Payment and Buy Now Pay Later (BNPL) tools do reviewers recommend instead of Klarna?

Reviewers recommend [PayPal Payments](https://www.g2.com/products/paypal/reviews) for its ease of use, reliability, and global payment acceptance, making it suitable for both consumers and businesses. [Sezzle](https://www.g2.com/products/sezzle/reviews) is favored for its simple integration, interest-free installment plans, and ability to increase average order value. [Affirm](https://www.g2.com/products/affirm/reviews) is recommended for transparent and flexible payment options without hidden fees, helping merchants increase cart sizes and reduce abandoned carts. [Afterpay](https://www.g2.com/products/afterpay/reviews) is also suggested as a reliable alternative for convenient installment payments with broad vendor acceptance. These alternatives provide better customer support, more flexible payment options, and improved usability compared to Klarna.



### How does Klarna compare to PayPal Payments?

According to G2 data, [Klarna](https://www.g2.com/products/klarna/reviews) has an average rating of 3.2/5 from 58 reviews, whereas [PayPal Payments](https://www.g2.com/products/paypal/reviews) holds a significantly higher average rating of 4.4/5 based on 2,746 reviews. PayPal Payments leads Klarna by 1.9 points in meeting requirements (9.0 vs 7.1), by 2.1 points in usability (9.1 vs 7.0), and by 0.8 points in ease of setup (8.9 vs 8.1). Additionally, PayPal Payments scores 8.3 in support compared to Klarna's 6.4, a 1.9-point advantage. User sentiment highlights PayPal Payments' strengths in ease of use (357 mentions), international payments (199 mentions), speed (191 mentions), and security (181 mentions). Klarna's pros focus on flexible payment options and ease of use but are tempered by complaints about limited merchant acceptance, confusing interfaces, and poor customer support. PayPal Payments is praised for its global acceptance, fast and secure transactions, and seamless integration with platforms like Shopify, WooCommerce, and freelancing sites. However, PayPal Payments users report high transaction and currency conversion fees, occasional account holds, and slower customer support. Klarna users report issues with merchant acceptance, account denials, and customer service responsiveness. Overall, PayPal Payments offers broader usability, stronger support, and higher user satisfaction compared to Klarna.



### What are the best alternatives to Klarna?

The best alternatives to Klarna based on G2 user ratings and review counts are [PayPal Payments](https://www.g2.com/products/paypal/reviews) (4.4/5 stars, 2746 reviews), [Sezzle](https://www.g2.com/products/sezzle/reviews) (4.6/5 stars, 122 reviews), and [Affirm](https://www.g2.com/products/affirm/reviews) (4.3/5 stars, 48 reviews). These alternatives outperform Klarna's 3.2/5 star rating from 58 reviews in usability, support, and meeting requirements. PayPal Payments is particularly strong in international payment acceptance, multiple payment methods, and seamless integration with major eCommerce platforms. Sezzle and Affirm are praised for flexible, interest-free installment plans and ease of use, with Affirm offering payment terms ranging from 6 weeks to 60 months and up to $25K financing.



### Why do users choose PayPal Payments over Klarna?

Users choose [PayPal Payments](https://www.g2.com/products/paypal/reviews) over Klarna primarily due to its superior global acceptance and reliability, as reflected in its 4.4-star rating across 2,746 reviews compared to Klarna's 3.2-star rating from 58 reviews. PayPal Payments excels in international payment capabilities, ease of use, and integration with major e-commerce and freelancing platforms, making it a preferred choice for businesses and freelancers handling cross-border transactions. The platform's strong security features, fast payment processing, and buyer/seller protection build trust and reduce payment friction, which are critical factors for users. Additionally, PayPal Payments offers a more straightforward and faster setup process, scoring 8.9 versus Klarna's 8.1, and better customer support (8.3 vs 6.4). Despite higher fees and occasional account limitations, users value PayPal Payments' consistent performance, extensive features, and seamless experience, which Klarna's limited merchant acceptance, confusing interface, and customer service issues do not match. These advantages make PayPal Payments the preferred payment solution for a wide range of users seeking dependable, secure, and globally recognized payment processing.




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