# Top 10 Klarna Alternatives & Competitors
**Average Rating:** 3.2/5
**Total Number of Reviews:** 58
Klarna is not the only option for Installment Payment and Buy Now Pay Later (BNPL) Software. Explore other competing options and alternatives. Other important factors to consider when researching alternatives to Klarna include customer service and features. 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:** 2,749
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:** 4.2/5
**Total Reviews:** 43
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
- Easier to set up
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

### What are the best alternatives to Klarna in 2026?

[Afterpay](https://www.g2.com/products/afterpay/reviews) offers reviewer-cited merchant analytics and customer-data capabilities that differentiate it from [Klarna](https://www.g2.com/products/klarna/reviews)’s cited strengths.
- [Afterpay](https://www.g2.com/products/afterpay/reviews) — 4.2/5 from 43 reviews. G2 reviewers highlight a robust analytics dashboard, customer data for merchants, and an easy-to-manage merchant portal.



### What features do alternatives offer that Klarna does not?

| 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 | Reviewers on G2 say merchant fees should be reduced. | Reviewers on G2 highlight flexible payments and ease of use. |
| [PayPal Payments](https://www.g2.com/products/paypal/reviews) | 4.4/5 (2,748 reviews) | — | Reviewers on G2 describe transaction and currency-conversion fees as high, particularly for international payments. | Reviewers on G2 highlight ease of use, security, global acceptance, and international payments. |
| [Sezzle](https://www.g2.com/products/sezzle/reviews) | 4.6/5 (122 reviews) | — | Reviewers on G2 describe merchant fees as high but associate them with increased sales and conversion. | Reviewers on G2 highlight easy integration, pay-later flexibility, and access to varied purchase categories. |
| [Affirm](https://www.g2.com/products/affirm/reviews) | 4.3/5 (48 reviews) | — | Reviewers on G2 describe rates and fees as higher than preferred. | Reviewers on G2 highlight transparent terms, flexible payment plans, and clear purchasing information. |



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

[Afterpay](https://www.g2.com/products/afterpay/reviews) is the reviewer-recommended alternative to [Klarna](https://www.g2.com/products/klarna/reviews) for ease of use, broad retailer availability, fast approval, and predictable installment payments.
- [Afterpay](https://www.g2.com/products/afterpay/reviews) — 4.2/5 from 43 reviews. G2 reviewers highlight its easy-to-use app, availability across many websites, seamless store integration, fast approval process, and interest-free installment payments.



### How does Klarna compare to PayPal Payments?

[PayPal Payments](https://www.g2.com/products/paypal/reviews) outperforms [Klarna](https://www.g2.com/products/klarna/reviews) on usability, requirements fit, setup, and support, while [Klarna](https://www.g2.com/products/klarna/reviews) is better suited to installment-focused checkout.

- **Best fit:** Reviewers describe [Klarna](https://www.g2.com/products/klarna/reviews) as a fit for merchants offering buy-now-pay-later options, including four interest-free repayments. [PayPal Payments](https://www.g2.com/products/paypal/reviews) fits businesses and freelancers handling domestic and international payments, invoicing, subscriptions, integrations, and transfers.
- **Scores:** [PayPal Payments](https://www.g2.com/products/paypal/reviews) leads [Klarna](https://www.g2.com/products/klarna/reviews) by 1.9 points for meeting requirements (9.0 vs. 7.1), 2.1 for usability (9.1 vs. 7.0), 0.8 for setup (8.9 vs. 8.1), and 1.9 for support (8.3 vs. 6.4).
- **Strengths:** G2 reviewers mention [PayPal Payments](https://www.g2.com/products/paypal/reviews) for ease of use (356 mentions), international payments (198), speed (191), reliability (186), security (180), and integrations (60). Reviewers highlight [Klarna](https://www.g2.com/products/klarna/reviews) for flexible payments and straightforward setup.
- **Trade-offs:** Reviewers report high fees (176 mentions), delays (72), funds holding (62), and account blocking (58) with [PayPal Payments](https://www.g2.com/products/paypal/reviews). [Klarna](https://www.g2.com/products/klarna/reviews) reviewers cite limited vendor or bank acceptance, confusing checkout, and merchant-fee concerns.
- **Switching reasons:** G2 reviewers cite [PayPal Payments](https://www.g2.com/products/paypal/reviews)’ easier integration, reliable settlement, global acceptance, security, and transparent payments when switching from other providers.



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

Users choose [PayPal Payments](https://www.g2.com/products/paypal/reviews) over [Klarna](https://www.g2.com/products/klarna/reviews) for broader payment operations, international reach, security, and easier day-to-day transactions.

- **Best fit:** [PayPal Payments](https://www.g2.com/products/paypal/reviews) suits businesses, freelancers, and consumers who need payment links, invoices, subscriptions, bank transfers, multiple currencies, and ecommerce integrations. [Klarna](https://www.g2.com/products/klarna/reviews) suits shoppers and merchants prioritizing installment payments and pay-later checkout.
- **Why users choose it:** G2 reviewers mention [PayPal Payments](https://www.g2.com/products/paypal/reviews) for ease of use (356 mentions), easy payments (251), international payments (198), speed (191), convenience (188), reliability (186), security (180), and easy setup (170). Reviewers specifically value sending or receiving money through an email address, avoiding repeated card-detail entry, and accessing buyer or seller protection.
- **Compared with [Klarna](https://www.g2.com/products/klarna/reviews):** [PayPal Payments](https://www.g2.com/products/paypal/reviews) scores 2.1 points higher for usability (9.1 vs. 7.0), 1.9 higher for requirements fit (9.0 vs. 7.1), and 1.9 higher for support (8.3 vs. 6.4).
- **Trade-offs:** Some reviewers report high fees (176 mentions), poor support (72), delays (72), funds holding (62), and account blocking (58) with [PayPal Payments](https://www.g2.com/products/paypal/reviews). Reviewers choose [Klarna](https://www.g2.com/products/klarna/reviews) when interest-free installment flexibility is the priority.
- **Switching reasons:** G2 reviewers cite easier integration, stronger security, wider customer familiarity, global acceptance, transparent payments, and reliable settlement as reasons for switching to [PayPal Payments](https://www.g2.com/products/paypal/reviews).




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