--- title: Klarna Reviews meta\_title: 'Klarna Reviews 2026: Details, Pricing, & Features | G2' meta\_description: Filter 58 reviews by the users' company size, role or industry to find out how Klarna works for a business like yours. aggregate\_rating: rating\_value: 3.2 review\_count: 58 scale: '5' date\_modified: '2026-08-07' parent\_category: name: Payment url: https://www.g2.com/categories/payment --- ### Klarna Pros and Cons: Top 5 Advantages and Disadvantages #### Quick AI Summary Based on G2 Reviews Generated from real user reviews Users value the **flexible payment options** from Klarna, providing manageable solutions for larger purchases and emergencies. [(3 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2367274&qs=pros-and-cons#reviews) Users love the **ease of use** of Klarna, making payment management and organization incredibly simple and convenient. [(2 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2367319&qs=pros-and-cons#reviews) Users value Klarna for its **convenient payment solutions** , making shopping and managing cards easy and organized. [(1 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2406489&qs=pros-and-cons#reviews) Users value the **no fees** structure of Klarna, which aids in managing larger purchases and financial flexibility. [(1 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2459333&qs=pros-and-cons#reviews) Users appreciate the **flexible payment options** from Klarna, easing financial burdens during tough times and emergencies. [(1 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2459352&qs=pros-and-cons#reviews) Users report a **complex setup** process for Klarna, leading to a frustrating initial experience and dissatisfaction. [(1 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2406492&qs=pros-and-cons#reviews) Users report feeling **fraudulent activities** associated with Klarna, citing poor customer service and a negative setup experience. [(1 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2406485&qs=pros-and-cons#reviews) Users dislike the **limited vendor acceptance** of Klarna, preferring its benefits over other payment services. [(1 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2367280&qs=pros-and-cons#reviews) Users highlight the **limited availability** of Klarna, noting it’s not accessible to all banks and customers. [(1 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2459386&qs=pros-and-cons#reviews) Users find the **ease of payment at checkout** lacking, which may impact their overall experience with Klarna. [(1 mentions)](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=1701514&qs=pros-and-cons#reviews) ### 5 Pros or Advantages of Klarna ##### 1. Flexible Payments Users value the **flexible payment options** from Klarna, providing manageable solutions for larger purchases and emergencies. [ See 3 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2367274&qs=pros-and-cons#reviews) See Related User Reviews ![Angela P.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Angela P.") AP Angela P. Mid-Market (51-1000 emp.) 5.0/5 "Flexible Payment Options Make Shopping Stress-Free" What do you like 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 eve ![Osvaldo B.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Osvaldo B.") OB Osvaldo B. Small-Business (50 or fewer emp.) 4.0/5 "Versatile Payment Tool with Handy Card Organization" What do you like about Klarna? Klarna started as an online platform that allowed customers to split their payments into three installments, which was especially useful for purchases ##### 2. Ease of Use Users love the **ease of use** of Klarna, making payment management and organization incredibly simple and convenient. [ See 2 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2367319&qs=pros-and-cons#reviews) See Related User Reviews ![Osvaldo B.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Osvaldo B.") OB Osvaldo B. Small-Business (50 or fewer emp.) 4.0/5 "Versatile Payment Tool with Handy Card Organization" What do you like about Klarna? Klarna started as an online platform that allowed customers to split their payments into three installments, which was especially useful for purchases ![Valerie I.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Valerie I.") VI Valerie I. Small-Business (50 or fewer emp.) 5.0/5 "Effortless Payments and Convenient Installments" What do you like about Klarna? The ease of use and the small regular payments ##### 3. Convenience Users value Klarna for its **convenient payment solutions** , making shopping and managing cards easy and organized. [ See 1 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2406489&qs=pros-and-cons#reviews) See Related User Reviews ![Osvaldo B.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Osvaldo B.") OB Osvaldo B. Small-Business (50 or fewer emp.) 4.0/5 "Versatile Payment Tool with Handy Card Organization" What do you like about Klarna? Klarna started as an online platform that allowed customers to split their payments into three installments, which was especially useful for purchases ##### 4. No Fees Users value the **no fees** structure of Klarna, which aids in managing larger purchases and financial flexibility. [ See 1 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2459333&qs=pros-and-cons#reviews) See Related User Reviews ![Angela P.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Angela P.") AP Angela P. Mid-Market (51-1000 emp.) 5.0/5 "Flexible Payment Options Make Shopping Stress-Free" What do you like 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 eve ##### 5. Pay Later Users appreciate the **flexible payment options** from Klarna, easing financial burdens during tough times and emergencies. [ See 1 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2459352&qs=pros-and-cons#reviews) See Related User Reviews ![Angela P.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Angela P.") AP Angela P. Mid-Market (51-1000 emp.) 5.0/5 "Flexible Payment Options Make Shopping Stress-Free" What do you like 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 eve ### 5 Cons or Disadvantages of Klarna ##### 1. Complex Setup Users report a **complex setup** process for Klarna, leading to a frustrating initial experience and dissatisfaction. [ See 1 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2406492&qs=pros-and-cons#reviews) See Related User Reviews ![James C.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "James C.") JC James C. 0.0/5 "Poor Customer Service, Negative Experience" 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 ##### 2. Fraudulent Activities Users report feeling **fraudulent activities** associated with Klarna, citing poor customer service and a negative setup experience. [ See 1 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2406485&qs=pros-and-cons#reviews) See Related User Reviews ![James C.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "James C.") JC James C. 0.0/5 "Poor Customer Service, Negative Experience" 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 ##### 3. Limited Acceptance Users dislike the **limited vendor acceptance** of Klarna, preferring its benefits over other payment services. [ See 1 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2367280&qs=pros-and-cons#reviews) See Related User Reviews ![Valerie I.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Valerie I.") VI Valerie I. Small-Business (50 or fewer emp.) 5.0/5 "Effortless Payments and Convenient Installments" 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 ##### 4. Limited Availability Users highlight the **limited availability** of Klarna, noting it’s not accessible to all banks and customers. [ See 1 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=2459386&qs=pros-and-cons#reviews) See Related User Reviews ![Angela P.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Angela P.") AP Angela P. Mid-Market (51-1000 emp.) 5.0/5 "Flexible Payment Options Make Shopping Stress-Free" What do you dislike about Klarna? I have noticed that not all banks work with Klarna so its not accessible to everyone ##### 5. Payment Issues Users find the **ease of payment at checkout** lacking, which may impact their overall experience with Klarna. [ See 1 mentions ](https://www.g2.com/products/klarna/reviews?filters%5Bsentiment_snippet%5D=1701514&qs=pros-and-cons#reviews) See Related User Reviews ![Verified User](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User") U Verified User Small-Business (50 or fewer emp.) 5.0/5 "This app is incredible" 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. ## Top-Rated Alternatives [ ![PayPal Payments](https://images.g2crowd.com/uploads/product/hd_favicon/6257a9c028b45bdc1f1ca9725d6e214c/paypal.png "PayPal Payments") PayPal Payments 4.4/5(2,748) ](https://www.g2.com/products/paypal/reviews) [ ![Sezzle](https://images.g2crowd.com/uploads/product/hd_favicon/fbf6004161130470fabf335eb70f8075/sezzle.svg "Sezzle") Sezzle 4.6/5(122) ](https://www.g2.com/products/sezzle/reviews) [ ![Affirm](https://images.g2crowd.com/uploads/product/hd_favicon/2ae1b7dacc6af46f33f29f4d6aa92823/affirm.svg "Affirm") Affirm 4.3/5(48) ](https://www.g2.com/products/affirm/reviews) [ View All Alternatives ](https://www.g2.com/products/klarna/competitors/alternatives) ![Faith D.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Faith D.") FD Faith D. Digital Experimentation Manager Mid-Market (51-1000 emp.) 5/1/2026 "Hassle-Free Shopping with Klarna" 4.5/5 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. Review collected by and hosted on G2.com. What do you dislike about Klarna? The sign-in process used to be quite difficult, but it's got easier now. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ![Prahlad K.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Prahlad K.") PK Prahlad K. Head of Operations & Supply Chain | Founding Team Small-Business (50 or fewer emp.) 5/29/2026 "Convenient Interest-Free Installments, Great User Experience" 4.5/5 What do you like best about Klarna? I like that Klarna offers four interest-free repayments, which makes it easier for customers to pay in installments without feeling like they're paying any interest. This feature seems to encourage customers to place orders when they choose Klarna as their payment option. The setup was also very easy, which is a big plus for me. Review collected by and hosted on G2.com. What do you dislike about Klarna? The platform is really great. They should reduce a little amount of merchant fee. Review collected by and hosted on G2.com. What problems is Klarna solving and how is that benefiting you? I use Klarna so customers can pay for orders in interest-free installments. This helps with high order values, increasing the chance of customers placing orders. Review collected by and hosted on G2.com. Show More Validated ReviewerIncentivizedSource: G2 invite ![Osvaldo B.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Osvaldo B.") OB Osvaldo B. Tecnico cinematografico Entertainment Small-Business (50 or fewer emp.) 12/17/2025 "Versatile Payment Tool with Handy Card Organization" 4/5 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Our network of Icons are G2 members who are recognized for their outstanding contributions and commitment to helping others through their expertise.G2 IconCurrent UserValidated ReviewerSource: Organic ![Angela P.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Angela P.") AP Angela P. Staffing Specialist - Remote Recruiter Staffing and Recruiting Mid-Market (51-1000 emp.) 1/8/2026 "Flexible Payment Options Make Shopping Stress-Free" 5/5 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 Review collected by and hosted on G2.com. What do you dislike about Klarna? I have noticed that not all banks work with Klarna so its not accessible to everyone Review collected by and hosted on G2.com. 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 Review collected by and hosted on G2.com. Show More Our network of Icons are G2 members who are recognized for their outstanding contributions and commitment to helping others through their expertise.G2 IconCurrent UserValidated ReviewerSource: Organic ![Valerie I.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Valerie I.") VI Valerie I. Consultant & Part Time Master's Candidate Small-Business (50 or fewer emp.) 11/19/2025 "Effortless Payments and Convenient Installments" 5/5 What do you like best about Klarna? The ease of use and the small regular payments Review collected by and hosted on G2.com. 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 Review collected by and hosted on G2.com. 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 Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerSource: Organic ![James C.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "James C.") JC James C. 12/15/2025 "Poor Customer Service, Negative Experience" 0/5 What do you like best about Klarna? Absolutely nothing. This is nothing but a portal for scammers. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ![Verified User in Retail](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Retail") UR Verified User in Retail Small-Business (50 or fewer emp.) 9/15/2022 "This app is incredible" 5/5 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Our network of Icons are G2 members who are recognized for their outstanding contributions and commitment to helping others through their expertise.G2 Icon 10/30/2024 Validated ReviewerIncentivizedSource: G2 invite ![Verified User in Retail](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Retail") UR Verified User in Retail Small-Business (50 or fewer emp.) 11/22/2023 "Klarna is Bad for Business and Merchants" 0/5 What do you like best about Klarna? They aim to help customers make purchases of larger ticket items. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerSource: Organic ![Brooklynne J.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Brooklynne J.") BJ Brooklynne J. Banking Small-Business (50 or fewer emp.) 5/13/2024 "Klarna rocks!" 5/5 What do you like best about Klarna? Buy now, Pay later is very beneficial in todays world. Review collected by and hosted on G2.com. What do you dislike about Klarna? Could be more flexible with pay dates and payment methods. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Validated ReviewerIncentivizedSource: G2 invite ![Paul D.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Paul D.") PD Paul D. Small-Business (50 or fewer emp.) 2/13/2024 "Customer Service and flexibility in service is non-existent" 0.5/5 What do you like best about Klarna? Integration with our Shopify platform is a plus Review collected by and hosted on G2.com. 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 Review collected by and hosted on G2.com. 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 Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Organic ##### Categories on G2 [Installment Payment and Buy Now Pay Later (BNPL)](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)[Live Commerce](https://www.g2.com/categories/live-commerce) ##### Explore More [What cloud migration assessment solutions generate clear 7R prioritization and migration roadmaps without requiring extensive technical documentation?](https://www.g2.com/discussions/what-cloud-migration-assessment-solutions-generate-clear-7r-prioritization-and-migration-roadmaps-without-requiring-extensive-technical-documentation)[Which cloud edge security tools work best for a remote workforce where employees need fast but locked-down access to corporate resources from anywhere?](https://www.g2.com/discussions/which-cloud-edge-security-tools-work-best-for-a-remote-workforce-where-employees-need-fast-but-locked-down-access-to-corporate-resources-from-anywhere)[What companies offer secure data room services for private equity transactions?](https://www.g2.com/discussions/what-companies-offer-secure-data-room-services-for-private-equity-transactions) [Best platforms for integrating estimating with project management](https://www.g2.com/discussions/what-are-the-best-platforms-for-integrating-estimating-with-project-management)[Which conversation intelligence app is the best](https://www.g2.com/discussions/which-conversation-intelligence-app-is-the-best)[Pros and Cons Details](https://www.g2.com/products/klarna/reviews?qs=pros-and-cons) [Show MoreShow Less](javascript:void(0);)