# Klarna Reviews **Vendor:** Klarna **Category:** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Average Rating:** 3.2/5.0 **Total Reviews:** 57 ## About Klarna Klarna is a global fintech company that offers innovative payment and marketing solutions designed to enhance the shopping experience for consumers and drive growth for businesses. By providing flexible payment options and performance-driven marketing tools, Klarna helps merchants attract, convert, and retain customers more effectively. Key Features and Functionality: - Flexible Payment Options: Klarna offers a variety of payment methods, including: - Pay in Full: Immediate payment at the time of purchase. - Pay in 30 Days: Allows customers to receive products and pay up to 30 days later without interest or late fees when paid on time. - Pay in 3 or 4 Installments: Enables shoppers to split purchases into smaller, interest-free payments. - Financing: Provides longer-term payment plans for larger purchases, offering manageable monthly payments. - Marketing Solutions: Klarna's full-funnel marketing suite allows businesses to run targeted campaigns across various channels, including search, programmatic ads, affiliate placements, cashback offers, and personalized in-app content, reaching over 24 million active shoppers. - Seamless Integration: Klarna integrates with major e-commerce platforms such as Shopify, Magento, WooCommerce, and BigCommerce, as well as payment partners like Stripe and Adyen, facilitating easy adoption for merchants. Primary Value and Solutions for Users: For consumers, Klarna provides a flexible and convenient shopping experience by offering multiple payment options that cater to different financial needs, thereby enhancing purchasing power and satisfaction. For merchants, Klarna drives business growth by increasing average order values, improving conversion rates, and fostering customer loyalty through its comprehensive payment and marketing solutions. ## Klarna Pros & Cons **What users like:** - Users value the **flexible payment options** offered by Klarna, making it easier to manage larger purchases effectively. (3 reviews) - Users appreciate the **ease of use** of Klarna, enjoying its convenient features for managing payments and cards. (2 reviews) - Users appreciate Klarna's **convenience** in organizing customer cards and managing payments all in one platform. (1 reviews) - Users appreciate Klarna's **no fees** policy, allowing them to manage larger purchases more flexibly and affordably. (1 reviews) - Users value the **flexible payment options** of Klarna, easing financial burdens with interest-free installments and deferred payments. (1 reviews) - Users appreciate the **payment efficiency** of Klarna, benefiting from organized card management and flexible payment options. (1 reviews) - Users value the **wide range of shopping websites** available through Klarna, surpassing competitors like Quad and Afterpay. (1 reviews) **What users dislike:** - Users report a **complex setup** process with Klarna, causing frustration and a negative initial experience. (1 reviews) - Users report feeling unsupported by customer service, leading to concerns over **fraudulent activities** associated with Klarna. (1 reviews) - Users express disappointment with the **limited acceptance** of Klarna, as not all vendors offer this payment option. (1 reviews) - Users find that Klarna has **limited availability** , making it inaccessible for some banks and users. (1 reviews) - Users find the **ease of payment at checkout** with Klarna could use improvement for a better experience. (1 reviews) - Users experience **poor customer support** , feeling unsupported and likening Klarna to a scam process due to negative interactions. (1 reviews) - UX Improvement (1 reviews) ## Klarna Reviews ### 1. Hassle-Free Shopping with Klarna **Rating:** 4.5/5.0 stars **Reviewed by:** Faith D. | Digital Experimentation Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** May 01, 2026 **What do you like best about Klarna?** I like Klarna because the interface is really easy and the sign in process has become a lot easier recently, even though it used to be quite difficult. I also find it useful that I can check on my purchases easily. The payment process is straightforward, as they send good reminders and it's easy to pay stuff off. Setting up Klarna was really easy, and I've been using it for many years, finding it consistently useful. **What do you dislike about Klarna?** The sign-in process used to be quite difficult, but it's got easier now. **What problems is Klarna solving and how is that benefiting you?** I use Klarna to avoid having money taken from my account ahead of time and it's better than using credit cards. ### 2. Versatile Payment Tool with Handy Card Organization **Rating:** 4.0/5.0 stars **Reviewed by:** Osvaldo B. | Tecnico cinematografico, Entertainment, Small-Business (50 or fewer emp.) **Reviewed Date:** December 17, 2025 **What do you like best about Klarna?** Klarna started as an online platform that allowed customers to split their payments into three installments, which was especially useful for purchases like electronic devices. Recently, however, Klarna has evolved into a more comprehensive payment tool by adding new features to its platform, such as restaurant tickets and a wallet for storing money and card information. Lately, I have been using it mainly to keep all my customer cards organized in one place, although I previously used it for making payments as well. **What do you dislike about Klarna?** As a card and money wallet, Klarna doesn't really stand out from other similar tools. I also find the app's interface somewhat confusing. **What problems is Klarna solving and how is that benefiting you?** Klarna essentially allows you to split your expenses into three separate payments, rather than making a single payment. ### 3. Flexible Payment Options Make Shopping Stress-Free **Rating:** 5.0/5.0 stars **Reviewed by:** Angela P. | Staffing Specialist - Remote Recruiter, Staffing and Recruiting, Mid-Market (51-1000 emp.) **Reviewed Date:** January 08, 2026 **What do you like best about Klarna?** I like that they offer flexible payment options like Buy Now, Pay Later (Split a purchase into multiple interest-free payments (like four payments every two weeks) or pay in 30 days without fees Times are hard on a lot of people right now and offering pay over time for larger purchases has literally saved people at holidays, for emergencies and even vacations **What do you dislike about Klarna?** I have noticed that not all banks work with Klarna so its not accessible to everyone **What problems is Klarna solving and how is that benefiting you?** It has allowed some of our external workers to get safety boots or warm clothes needed for work ### 4. Effortless Payments and Convenient Installments **Rating:** 5.0/5.0 stars **Reviewed by:** Valerie I. | Consultant & Part Time Master's Candidate, Small-Business (50 or fewer emp.) **Reviewed Date:** November 19, 2025 **What do you like best about Klarna?** The ease of use and the small regular payments **What do you dislike about Klarna?** i don't like that not every vendor offers klarna. i like klarna and affirm over afterpay or any other flex pay service like paypal **What problems is Klarna solving and how is that benefiting you?** It prevents me from ever having to make a large purchase at once which helps my cash flow issues tremendously ### 5. Poor Customer Service, Negative Experience **Rating:** 0.0/5.0 stars **Reviewed by:** James C. **Reviewed Date:** December 15, 2025 **What do you like best about Klarna?** Absolutely nothing. This is nothing but a portal for scammers. **What do you dislike about Klarna?** I find their customer service to be unsupportive. It feels like people are using Klarna as a scam process. My initial experience setting up Klarna was very bad. **What problems is Klarna solving and how is that benefiting you?** I called because klarna is a scam or people are using klarna to scam people. I talked to a customer service agent who was at best unhelpful, unsypothetic and almost rude. ### 6. This app is incredible **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** September 15, 2022 **What do you like best about Klarna?** The variety of websites that you can shop on is great even compared to apps such as quad or afterpay. **What do you dislike about Klarna?** There isn't much to dislike about the app. The only thing I could say can use improvement is ease of payment at check out. **What problems is Klarna solving and how is that benefiting you?** It allows you to split payments of purchases into 4. This is great when you need to purchase something but can't afford it fully outright. ### 7. Klarna is Bad for Business and Merchants **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** November 22, 2023 **What do you like best about Klarna?** They aim to help customers make purchases of larger ticket items. **What do you dislike about Klarna?** We have applied twice to Klarna to be offered via our family retail business Website. We offer a variety of beauty and grooming products, much like other popular retail shops that already use and offer Klarna (and which Klarna proudly advertises as their customers). However, our applications are rejected incorrectly and unjustly because Klarna tags us as a company that does "drop shipping", simply because we offer a variety of brands. We are NOT a drop shipping company. We have NEVER drop shipped. We are a retail eCommerce shop. We have our own inventory of products that we fully purchase and and store in our warehouse. We have the full legal right to resell these brands as retail corporation (just like some other already approved and advertised by Klarna as their customers). The only difference is that we are not a giant corporation, but rather a local family business. The Klarna review process has been very difficult and illogical. It is not possible to get any help via support as a merchant. At this time we would not recommend any businesses to engage with Klarna. It would wonderful if Klarna can be more understanding and fair in their merchant review process. **What problems is Klarna solving and how is that benefiting you?** Klarna would be good if they supprted small business. They would allow our retail customers to more easily make purchases with us. ### 8. Klarna rocks! **Rating:** 5.0/5.0 stars **Reviewed by:** Brooklynne J. | Banking, Small-Business (50 or fewer emp.) **Reviewed Date:** May 13, 2024 **What do you like best about Klarna?** Buy now, Pay later is very beneficial in todays world. **What do you dislike about Klarna?** Could be more flexible with pay dates and payment methods. **What problems is Klarna solving and how is that benefiting you?** I get what I need now and am able to make affordable payments over time. ### 9. Customer Service and flexibility in service is non-existent **Rating:** 0.5/5.0 stars **Reviewed by:** Paul D. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2024 **What do you like best about Klarna?** Integration with our Shopify platform is a plus **What do you dislike about Klarna?** Customer Service for merchants is non-existent Flexibility in options is non-existent. We've tried working with them based off our customer feeback and Klarna doesn't seem interested in working with us to improve customer adoption **What problems is Klarna solving and how is that benefiting you?** They are a financing partner but are not solving any problems. No customers have chosen to utilize them based on their constraints ### 10. Waste of time **Rating:** 0.0/5.0 stars **Reviewed by:** Breayn L. | Executive Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2023 **What do you like best about Klarna?** Nothing! There is no easy way to speak or chat with someone! It takes you to your dashboard but not to the chat box to actually speak with someone, I had to Google the customer service number smh **What do you dislike about Klarna?** I don't really care to us Klarna because they check your credit every time and everytime I have to login into my credit report or the sites and unlift my freeze on my credit. It's annoying! I love Afterpay because it's simpple to use! Due to all this I have missed my product and is now sold out because I had to go through all this!! I will never use Klarna again!!! **What problems is Klarna solving and how is that benefiting you?** It's not benefining me at all, it made me miss my order as it is no longer in stock! ### 11. Identity Verification Nightmare **Rating:** 0.0/5.0 stars **Reviewed by:** Kimberly Christine T. | Small-Business (50 or fewer emp.) **Reviewed Date:** June 11, 2023 **What do you like best about Klarna?** The perks and rewards the have for making on time payments and paying off purchases are great and can really add up to some nice freebies quite rapidly. **What do you dislike about Klarna?** Klarna is awful. Both my husband and I have accounts with over $1,000 of purchase power and have both made successful purchases with Klarna and have since paid them in full. Randomly, I started getting denied due to “identity verification issues”. After countless chats, emails and “corrections” I have been told by every rank of employee from basic customer service rep to supervisor that my case has been escalated several times. I have been told through many communication avenues that the issue has been corrected, but my attempted purchases are still declined to this day citing identity verification issues. My husband who has been successfully using Klarna for several months and has over $1,000 of spending power is now ALSO getting denied each time he attempts a purchases due to identity confirmation issues. Unfortunately, we are not the only ones who have run into this issue. There is an entire feed on Reddit with scores of users saying the same thing has happened to them and Klarna has never resolved the issue. Do yourself a favor and avoid using Klarna and stick to other more professional and reliable buy now, pay later apps like AfterPay and Affirm. A word of caution, if you do find yourself running into this issue with Klarna, don’t bother wasting your time trying to get them to correct it. You’ll go through a lot of hassle only to have them tell you they’ve fixed the issue and your account will work.., but it never will. **What problems is Klarna solving and how is that benefiting you?** Klarna has an ongoing issue with identity verification of users. Unfortunately, despite spreading to tech support, customer service, supervisors and having my case escalated multiple times no one seems to be able to actually correct the issue surrrounding your identity verification. ### 12. The worst Company **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Apparel & Fashion | Small-Business (50 or fewer emp.) **Reviewed Date:** September 21, 2023 **What do you like best about Klarna?** I had Klarna for years, when I first started with them it was great Now I keep getting denied. I never was late, I always paid on time. Everything is paid off. I don't understand them at all. They are going to lose customers. ZIp and afterpay is the best. Klarna Sucks. Stay away from them. They don't keep their good customers. **What do you dislike about Klarna?** Not a good company at all. Stay away from them **What problems is Klarna solving and how is that benefiting you?** They don't approve their good customers ### 13. Be cautious **Rating:** 2.0/5.0 stars **Reviewed by:** crystal b. | student, Small-Business (50 or fewer emp.) **Reviewed Date:** December 17, 2022 **What do you like best about Klarna?** I've been with Klarna over 2 years and i swear by this company and tell everyone i know to use them and that they are better then any credit cards by far. How awesome is it to spread your payments into 4. **What do you dislike about Klarna?** Like i said i've been with Klarna over 2 years and in those 2 i've never missed 1 payment and i've never asked for an extension. I have excellent history with them and even pay early on most things. And about a week ago my purchase power was we will say $1500 or over and I went to make a small order and my purchase power disappeared. I was confused and contacted the agent only to be told that's normal! How is that normal?! I ended up reading everything i could find about Klarna and you do not even need to have a credit just be over 18 and have income. They do a soft credit pull. So basically after 2 years of on time payment's and early payments and paying off thousands of dollars they have punished me like they would do someone who was not paying! Klarna also claims that if i pay off the orders i have which were only totally $800 now all the way down to $300 in something and guess what no purchase power. **What problems is Klarna solving and how is that benefiting you?** They are not helping at all only giving me excuses that you would give to those not paying or late to paying orders. Once my orders paid no more for me. ### 14. Absolutely horrible!! **Rating:** 0.0/5.0 stars **Reviewed by:** Krysteena V. | Small-Business (50 or fewer emp.) **Reviewed Date:** March 03, 2023 **What do you like best about Klarna?** Nothing... this has been the worst experience with a buy now pay later service I have ever dealt with. **What do you dislike about Klarna?** They attack your account after youre paid off... they dont respond to BBB issues... they have the WORST CUSTOMER SERVICE(cut and paste answers with a redirect to their phone line if you push for a solution.) **What problems is Klarna solving and how is that benefiting you?** They claim to have an easy payment plan, but they can't even keep track of the payments properly, they will claim that you have paid it off, and then attack your account arbitrarily without any permission. ### 15. Easy to use and convenient **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Consumer Services | Small-Business (50 or fewer emp.) **Reviewed Date:** August 27, 2023 **What do you like best about Klarna?** It's very forgiving when it comes to late payments, and it's easy to use. **What do you dislike about Klarna?** It's pretty laggy when you're shopping online through the app. **What problems is Klarna solving and how is that benefiting you?** The purchase power makes it easy to make a larger purchase right when I need it ### 16. Worst experience ever **Rating:** 0.0/5.0 stars **Reviewed by:** Maria Mercedes O. | Real estate expert, Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2022 **What do you like best about Klarna?** Is not costumer service there. They don't give the refunds back to customers. **What do you dislike about Klarna?** the worst company in the world!!! Do not trust this company. Refunds are not returned to you. I have been in a case with them for more than 2 months, I sent them letters from my bank showing that they did not return my money and no one responds! do not use this company is a scam **What problems is Klarna solving and how is that benefiting you?** A refund . 2 months ago I'm waiting for a response from them . I sent them a letter directly from my bank where they can see is not refunds in my account . ### 17. Klarna is a trustworthy, easy and affordable way to spread out payments on purchases **Rating:** 5.0/5.0 stars **Reviewed by:** Ed A. | Tennis Official/Referee, Enterprise (> 1000 emp.) **Reviewed Date:** August 11, 2022 **What do you like best about Klarna?** There are little or no fees, Klarna makes spreading out payments for items an easy and affordable way to purchase any items from airline tickets to most retail items. Sometimes there are deals in addition to these features. **What do you dislike about Klarna?** It's not used with more retailers (though it is used by a lot). **What problems is Klarna solving and how is that benefiting you?** Making larger purchases easier to afford by spreading out payments and not having to deal with high fees makes using the service very affordable. I have realized the benefits of the service by purchasing items I would have waited on doing, but because I could pay over a month or two was able to make on-time payments without disrupting any other of my finances and needs ### 18. Love / hate **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Alternative Dispute Resolution | Small-Business (50 or fewer emp.) **Reviewed Date:** December 01, 2022 **What do you like best about Klarna?** Being able to get what you want now and have 4 payments spread apart interest free to pay it off. **What do you dislike about Klarna?** It's supposed to be approval no matter what, and it was for the 1st year, but now they do a soft credit check (even though your account with them has been perfect) and lower your amount to spend **What problems is Klarna solving and how is that benefiting you?** None ### 19. I will never use them again **Rating:** 0.0/5.0 stars **Reviewed by:** Shannon H. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** September 01, 2022 **What do you like best about Klarna?** I was able to use it to purchase a large piece of equipment and see if I liked it or not. Everything since - awful. **What do you dislike about Klarna?** I have a card on file for auto payments. And, they say I've missed the payments and now have to pay in full. **What problems is Klarna solving and how is that benefiting you?** No benefits. They were no help to me in problem resolution . ### 20. Not the best **Rating:** 0.0/5.0 stars **Reviewed by:** Roberta P. | Administrative Assistant II, Small-Business (50 or fewer emp.) **Reviewed Date:** June 15, 2022 **What do you like best about Klarna?** Being able to pay later, When I went back later I was not able to get into my account.I used my iphone **What do you dislike about Klarna?** That I couldn't get back into my account to pay my bill so is constantly showing that my bill was not paid even though I've called customer service about it and countless emails which is still not fixed **What problems is Klarna solving and how is that benefiting you?** That I couldn't get back into my account to pay my bill so is constantly showing that my bill was not paid even though I've called customer service about it and countless emails which is still not fixed ### 21. Easy to install and use **Rating:** 5.0/5.0 stars **Reviewed by:** Cari T. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2022 **What do you like best about Klarna?** Love that it gives the consumer the option to pay overtime for high ticket purchases **What do you dislike about Klarna?** There's really nothing bad except companies like this to help keep consumer costs low for re-payment **Recommendations to others considering Klarna:** There are many programs like this. I selected them for their customer service and ease of use! **What problems is Klarna solving and how is that benefiting you?** Give customers buying leverage which end result will help increase sales ### 22. Wasnt Helpful to Add to Website **Rating:** 0.5/5.0 stars **Reviewed by:** Kaleem V. | Business Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2022 **What do you like best about Klarna?** Nothing. Even the rep was very hostile and unconcern with my unsatisfactory response. **What do you dislike about Klarna?** Everything. This is a service just as if I wanted to collect online payments. **What problems is Klarna solving and how is that benefiting you?** Klarna would have been solving my customers who already have Klarna to use the service, but they were just told to sign up for Afterpay. ### 23. Lifesaving Pay Reminder **Rating:** 5.0/5.0 stars **Reviewed by:** Isabeau P. | Customer Operations Representative, Small-Business (50 or fewer emp.) **Reviewed Date:** December 14, 2021 **What do you like best about Klarna?** Klarna allows me to practically make a down payment and continue making that payment as the weeks continue. What I love about Klarna is it's ability to let me pay things off over time, instead of paying in one big chunk, which allows me to still treat myself while also being able to afford rent. **What do you dislike about Klarna?** The reminders that Klarna sends out is almost more annoying than it is informative. I appreciate the reminder so that I can remember to have funds in my account, though they get very annoying sometimes. **Recommendations to others considering Klarna:** Make sure you're not using this app if you are not good at keeping money in your account at all times. This can get you into some serious trouble if you're not careful. **What problems is Klarna solving and how is that benefiting you?** I haven't had any significant problems with Klarna almost ever. The process is very simple and everyone gets approved, which is wild and huge. This also probably helps the companies by customers wanting to spend more money. ### 24. Interesting way to use credit with no interest **Rating:** 4.0/5.0 stars **Reviewed by:** Amber R. | Integration Analyst, Small-Business (50 or fewer emp.) **Reviewed Date:** February 08, 2022 **What do you like best about Klarna?** Klarna is a service that allows you to make payments for just about anything. Their one-time card payment feature sets them apart from similar services because even if a particular vendor isn't partnered with Klarna, you can still use Klarna to make purchases. When the app is running properly, the majority of the app and website are self-service. **What do you dislike about Klarna?** The downsides of Klarna come with the stability of the app and the services and the customer support. You run into instances where the features and services are down and unavailable for use. When you reach out to customer support they usually don't have a timeframe for when services will be up and running and customer support tends to be pretty unhelpful entirely. You also can't use or create one-time cards from the browser version of Klarna, which is inconvenient when I want to use my desktop or laptop to shop. **Recommendations to others considering Klarna:** This is a great service if you're looking for interest free payments on larger ticket items. **What problems is Klarna solving and how is that benefiting you?** Klarna creates the ability to a one-stop shop and applies the option of making payments. klarna allows the user to be more productive if they are purchasingarge ticket supplies and would like to make installment payments. ### 25. Worst Service Ever **Rating:** 0.0/5.0 stars **Reviewed by:** Jannet Q. | Administrative Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** August 05, 2022 **What do you like best about Klarna?** Nothing they are awful company . Very bad customer service. **What do you dislike about Klarna?** Everything their customer service is non existent and they are scammers. **What problems is Klarna solving and how is that benefiting you?** They didn't help me and they have horrible customer service. ### 26. Klarna, great budgeting tool but not the best on the market **Rating:** 2.5/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2022 **What do you like best about Klarna?** Easy payment flexibility. Great tool for staying within budget on purchases. Payments sync perfectly with pay period cycles. **What do you dislike about Klarna?** Klarna's customer service is not the best. Very poor response times and feels like you are not talking to a real person. **Recommendations to others considering Klarna:** Other buy now, pay later options may be better suited to the shopper **What problems is Klarna solving and how is that benefiting you?** Staying within my monthly budget by splitting purchases out. This has helped financial health greatly. ### 27. Klarna Is Bad. **Rating:** 0.0/5.0 stars **Reviewed by:** Gary H. | Digital Marketing Specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** November 20, 2021 **What do you like best about Klarna?** I like interest free payments on large purchases. **What do you dislike about Klarna?** Almost everything. I hate the platform, and it is not easy to figure out. It is almost too simple, as in, there isn't enough info. And, the attempt to be conversational, almost nonchalant, means the terminology is not easy to follow. I wanted help and the rep on the chat (because there is no other way to contact them) took 3-4 minutes to answer between messages. Crazy! Now, I tried to get back on and it takes me to the same chat window. It won't let me start again with someone new. Truthfully, there are other companies that offer similar services and I would use them the next time. Klarna is very bad. **What problems is Klarna solving and how is that benefiting you?** Klarna creates problems. I have benefitted from interest-free payments. ### 28. poor customer support and service **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** May 24, 2022 **What do you like best about Klarna?** Potenttially, the chance to split the payment into smaller ones **What do you dislike about Klarna?** For some reason, my payment doesn't go through. I contacted the customer service and after 2 hours on the chat (in 2 days) they are not able to help or explain what doesn't work. They bounced me to their Credit Reference Agencies that don't have quick support services. After 3 days waiting I am just buying what I need paying the full amount. Never with Klarna again. **What problems is Klarna solving and how is that benefiting you?** No benefits at all ### 29. Klarna is wonderful! **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** June 28, 2022 **What do you like best about Klarna?** I love Klarna can help me out with big purchases that I want but cannot afford up front. **What do you dislike about Klarna?** At this time, I cannot think of anything I dislike about the program. **What problems is Klarna solving and how is that benefiting you?** The amount of money that some big purchases need up front, so Klarna allows me to pay down bring purchases over time. ### 30. Easy payments without using a credit card **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Apparel & Fashion | Small-Business (50 or fewer emp.) **Reviewed Date:** December 14, 2021 **What do you like best about Klarna?** Klarna is an easy way to make scheduled weekly payments without using a credit card. Had I had this option earlier in life, I would've likely been able to stay out of debt! **What do you dislike about Klarna?** I wish there were more payment options, but they may be coming. Right now, it is preset (I believe based on the amount of total sale) for payment every two weeks. **Recommendations to others considering Klarna:** Consider using this instead of using your credit card! For parents with teens, this would be a great opportunity to teach kids about budgeting and spending. It has been a wonderful tool. **What problems is Klarna solving and how is that benefiting you?** I am solving the problem of being in debt by purchasing things I can't afford on a credit card. With Klarna, the money is taken from your bank account on a bi-monthly basis. You get text message reminders about when payments are due with the amount as well. ### 31. Great Service for Certain Products **Rating:** 4.0/5.0 stars **Reviewed by:** Scott C. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** Klarna is a handy and fair platform for borrowing money when you need products for which you can't get financing. While they don't always offer the most selection on certain products, they provide a wide variety. The other benefit is that you can always use their pay in 4 option where, no matter what vendor, you can pay for the product in 4 payments, which makes it easier on the wallet. **What do you dislike about Klarna?** One of the problems with the platform is that they do offer a limited amount of suppliers for their full financing. This limits you in what you can purchase, especially if you are looking for a particular one. While this doesn't necessarily pose a problem, it can if you are looking for the latest and greatest of a particular product. Another problem that I sometimes have with them is that they will have a vendor sign up with them and then that vendor will go out of business and it sometimes remains in their directory for a while. They seem to b e a little slow in removing those from their directory. **What problems is Klarna solving and how is that benefiting you?** Financing some products isn't worth having to get a credit account with each vendor. This allows you to have one financing partner for certain products under one payment. It also has some lenient approval terms so it is also useful for individuals that have had problems with credit in the past or are just starting out with credit. ### 32. Pay Now Or Later! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Apparel & Fashion | Small-Business (50 or fewer emp.) **Reviewed Date:** December 09, 2021 **What do you like best about Klarna?** Klarna gives a person the ability to pay for a purchase over a period of time, usually four equal payments! It is extremely helpful when it comes to paying for a large sum of money! **What do you dislike about Klarna?** I have not found anything I dislike about the software. As I continue to use its capabilities, I may find something that needs improvement, but as of now, I am very much enjoying **What problems is Klarna solving and how is that benefiting you?** I am solving the issue of paying upfront a large sum of money for essential purchases. Klarna allows me to split the payment into four equal sums that are due weekly with no interest rate. ### 33. I am happy I have found and used this application. **Rating:** 4.0/5.0 stars **Reviewed by:** Gregory S. | Independent Distributor, Small-Business (50 or fewer emp.) **Reviewed Date:** December 30, 2021 **What do you like best about Klarna?** I like the many different selections of storefronts with a large number of interesting products. I like the 4 bi-weekly payment system free of interest. It's cool! **What do you dislike about Klarna?** Nothing is bothering me as I declined the cookies. **What problems is Klarna solving and how is that benefiting you?** Opening up to a great selection of stores and the 4 biweekly payment options. ### 34. Easy financing for customers **Rating:** 5.0/5.0 stars **Reviewed by:** KwikBoy M. | Order Fulfillment Manager, Retail, Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** Very easy and does not hurt our customer's credit. Klarna also takes all responsibility for fraud screening. **What do you dislike about Klarna?** It's unfortunate that is not available to our international customers. I'd also like there to be a same day withdrawal rather than a 3 day hold. **Recommendations to others considering Klarna:** Klarna is a great option for US customers with competitive fees to you as the merchant. It also helps protect against fraudulent orders. **What problems is Klarna solving and how is that benefiting you?** We have seen an increase in the amount of orders and total order value. Klarna also takes responsibility for any fraudulent orders placed eliminating our liability to repay in the event we receive and ship a fraudulent order. ### 35. Transparent, easy to use, pay in 4 option **Rating:** 5.0/5.0 stars **Reviewed by:** Hannah B. | Digital Marketing and Social Media Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** The in-app experience makes it easy to shop multiple brands that accept Klarna, it's also the only pay-in-4 option on Etsy, which incentivizes me to shop small businesses there! **What do you dislike about Klarna?** I wish it was available on more websites and apps. It isn't too broadly available just yet. **What problems is Klarna solving and how is that benefiting you?** I've found that I can make more purchases and be able to break up larger purchases into smaller payments without taking a hit to my credit score. It allows for more spur-of-the-moment purchases, which can be great when a sale occurs. ### 36. Insecure solution for your eCommerce **Rating:** 0.0/5.0 stars **Reviewed by:** Frank S. | Analyst, Enterprise (> 1000 emp.) **Reviewed Date:** November 07, 2021 **What do you like best about Klarna?** Sometimes it works, but even then, it collects data unnecessary data. **What do you dislike about Klarna?** Klarna requests access to your bank account data when you try to paid. It makes some customers to give up and order products elsewhere. **What problems is Klarna solving and how is that benefiting you?** eCommerce payment solution. ### 37. Klarna make shopping easy and affordable **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** I like that many stores offer consumers the option for a payment plan which makes it more affordable for consumers. **What do you dislike about Klarna?** The payments must be set up to be deducted from your bank account automatically. With all of the hacking done nowadays, I wish we could manually make our payment. However, it does make it easier than having to remember to go in there and make the payment manually. **What problems is Klarna solving and how is that benefiting you?** Instead of waiting until someone has the funds at once, Klarna allows consumers to break up the payments making it easier to have the item/product you want or need right away without having to wait. ### 38. Klarna does business with fraudulent websites. I've lost $120 so far. **Rating:** 0.0/5.0 stars **Reviewed by:** Antoine P. | Construction Laborer, Small-Business (50 or fewer emp.) **Reviewed Date:** June 17, 2021 **What do you like best about Klarna?** Buy now pay later feature was a good option. **What do you dislike about Klarna?** The fact that Klarna does business with fraudulent websites. When you ask Klarna about a refund they aren't as helpful to return your money to you. **What problems is Klarna solving and how is that benefiting you?** Not solving but creating more problems with me as a customer by not being more active in customer service when handling a refund. ### 39. Love this app **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Logistics and Supply Chain | Mid-Market (51-1000 emp.) **Reviewed Date:** June 25, 2021 **What do you like best about Klarna?** Flexibility - choice of retailers on this - the fact I can buy items and not worry about being out of pocket if I do not like the purchases or have to return **What do you dislike about Klarna?** The login stage is annoying - it is frustrating to have to use the email link to login in or the text message - can we just have a PIN number? **What problems is Klarna solving and how is that benefiting you?** I can buy items and not worry about being out of pocket if I do not like the purchases or have to return ### 40. Pretty Good Application **Rating:** 5.0/5.0 stars **Reviewed by:** Farjana Y. | Research Assistant, Enterprise (> 1000 emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** As far now I like the most their paying option. I can pay in 4 installments. As, I am a student, I found it really helpful. **What do you dislike about Klarna?** Till now, I don't have anything that I dislike about this application. **Recommendations to others considering Klarna:** If you are a student and I didn't try it yet, I will strongly recomend you to use it at least for once. **What problems is Klarna solving and how is that benefiting you?** I am buying my personal staffs. It' s good if you have low income. It's good for me as I am a student. ### 41. Buy Now, Pay Later - Its really good **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Civil Engineering | Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** Pay Later feature. I got a really low interest on thsi feature and it helped me spread big purchases over months. It actually gave me interest free for like 6 months. **What do you dislike about Klarna?** At the time I used the software, they didn't have such a huge marketplace. The marketplace is way bigger now. **What problems is Klarna solving and how is that benefiting you?** I didn't face any issues. I was not ready to pay for the big purchase in one go, so klarna helped me a lot with the pay later feature. ### 42. Easy and very helpful **Rating:** 5.0/5.0 stars **Reviewed by:** Kierra M. | C, Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** Klarna has helped me with some large purchases, it is fast and easy to use. There are no credit checks to use it, as long as you pay on time there are no interest fees. **What do you dislike about Klarna?** If you get into a bind with payments there are no ways to get help, which is a bummer. **What problems is Klarna solving and how is that benefiting you?** Klarna is helpful for anyone who needs to make a decent sized purchase but can't get a credit card. ### 43. Product buying in ecom site using klarna **Rating:** 4.0/5.0 stars **Reviewed by:** Mallayasamy K. | support engg, Mid-Market (51-1000 emp.) **Reviewed Date:** August 07, 2021 **What do you like best about Klarna?** Its helps to buy the product on Ecom site and paying the max 4split installment in any online store. It's integrated into our mobile application. **What do you dislike about Klarna?** Payments option available at the minimum cost of the product. **Recommendations to others considering Klarna:** Good for business perspective **What problems is Klarna solving and how is that benefiting you?** Buying the product in online stores instantly ### 44. i would recommend Klarna as a very good application to use for sales, purchasing and advertising. **Rating:** 5.0/5.0 stars **Reviewed by:** Kenyatta R. | Customer Service Rep 2, Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** i personally like the shopping and after pay features on the application. **What do you dislike about Klarna?** i dislike when you are not able to use the allowed amount of funds on multiple apps. **Recommendations to others considering Klarna:** it's a great site and very helpful **What problems is Klarna solving and how is that benefiting you?** with klarna i am able to make purchases and sales with in stallment payments. ### 45. A Good Option **Rating:** 3.0/5.0 stars **Reviewed by:** Verified User in Apparel & Fashion | Small-Business (50 or fewer emp.) **Reviewed Date:** June 18, 2021 **What do you like best about Klarna?** I like that there is an alternative payment option for big ticket items. I've considered it but I haven't chosen Klarna as an option often. **What do you dislike about Klarna?** I don't like the high interest once you reach the 30 days, I feel like paying with a credit card will be more likely to give you a lower interest and some rewards. **What problems is Klarna solving and how is that benefiting you?** The benefit of alternative payment options is that, a big purchase looks a lot more palatable broken up into smaller payments, so that will défi benefit the sellers. ### 46. Easy to use and plenty of reminders **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Financial Services | Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2021 **What do you like best about Klarna?** I like that this is an easy to use program. **What do you dislike about Klarna?** I dislike how many pre-reminders I get. I understand one email, but a text, 3 emails, etc., is overkill to me personally. **What problems is Klarna solving and how is that benefiting you?** I really haven't had any problems with Klarna, so this question does not apply to me. ### 47. Why I use Klara **Rating:** 4.5/5.0 stars **Reviewed by:** Don P. | CEO / CCO, Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** Klara was easy to use and helps breaking up payments **What do you dislike about Klarna?** I have no complaints. I would recommend to associates **What problems is Klarna solving and how is that benefiting you?** It helps buyers and sellers to make purchases easier ### 48. Best way to pay over time **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Mid-Market (51-1000 emp.) **Reviewed Date:** July 15, 2021 **What do you like best about Klarna?** Klarna gives you the option to pay over time and get the products you want or need. **What do you dislike about Klarna?** There are no dislikes it is a great alternative and you can even pay it off before the due date. **What problems is Klarna solving and how is that benefiting you?** They are helping people get necessities at costs that fit their budgets. I don't see any problems. ### 49. Great Product **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Mid-Market (51-1000 emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** I love the flexibility and ease of use of the app **What do you dislike about Klarna?** There is nothing that i dislike about this application **What problems is Klarna solving and how is that benefiting you?** Payment management, especially if I am trying a product or brand out and might return, and especially during a pandemic when you could not go shop somewhere else. ### 50. Easy to use **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Cosmetics | Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2021 **What do you like best about Klarna?** Klarna makes it easy to purchase what you'd like and use payment installmets **What do you dislike about Klarna?** There's a possibility of not being approved as the banking information may not link **What problems is Klarna solving and how is that benefiting you?** I am purchasing things online and paying them off as I go. I may purchase more leasure items now ## Klarna Discussions - [What are the Klarna options?](https://www.g2.com/discussions/what-are-the-klarna-options) - [What are the benefits of Klarna?](https://www.g2.com/discussions/what-are-the-benefits-of-klarna) - [What makes Klarna unique?](https://www.g2.com/discussions/what-makes-klarna-unique) - [What does the Klarna app do?](https://www.g2.com/discussions/what-does-the-klarna-app-do) - [No comprehension](https://www.g2.com/discussions/no-comprehension) - 1 upvote - [View Klarna pricing details and edition comparison](https://www.g2.com/products/klarna/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-14+16%3A10%3A10+-0500&secure%5Bsession_id%5D=542497a3-820d-4265-9e16-ecfd58355ed2&secure%5Btoken%5D=b15c5f2eaac383a54e7018aa2d1c6ee5b3cd8f9a4d74e1e6128c0e6823792dbf&format=llm_user) ## Klarna Features **Administration - Installment Payment and Buy Now Pay Later (BNPL)** - Email Notifications - Invoicing - Customer Portal - Loyalty Management **Engagement** - Live streaming - Live chat discussions - Social media - One-to-one call scheduling - Omnichannel livestreaming - Stream sharing - Product demonstrations **Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)** - Payment Gateway - Payment Tracking - E-commerce Integration - Payment Scheduling **Integration** - Shopping cart - Social media - Video analytics tools - Campaign management tool - CRM & Data Platform Integration - Smartphone and DSLR - API **Live selling** - Social media - Marketplaces - Lead capturing and distribution - E-commerce platform **Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features** - Adaptive Learning - Proactive Assistance - Decision Making **Analytics** - Data Capture - Reporting - Campaign performance - Product Insights **Generative AI** - AI Text-to-3D ## Top Klarna Alternatives - [PayPal Payments](https://www.g2.com/products/paypal/reviews) - 4.4/5.0 (2,672 reviews) - [Sezzle](https://www.g2.com/products/sezzle/reviews) - 4.6/5.0 (119 reviews) - [Affirm](https://www.g2.com/products/affirm/reviews) - 4.3/5.0 (46 reviews)