# Top 10 Klarna Alternatives & Competitors (58)3.2 out of 5 Thousands of users compare Klarna with other Installment Payment and Buy Now Pay Later (BNPL) Software tools to find the best fit for their team or business. When comparing Klarna with other tools, reviewers most often evaluate customer service and features as key differentiators. The best overall alternative to Klarna is [PayPal Payments](https://www.g2.com/products/paypal/reviews), rated ~4.4 stars on G2 from 2691+ reviewers. It is frequently praised for easy payments and convenience. Other well-known alternatives to Klarna are: - [Sezzle](https://www.g2.com/products/sezzle/reviews) – known for easy integrations and pay later (G2 star rating ~4.6) - [Affirm](https://www.g2.com/products/affirm/reviews) – highly rated for affordable and flexible payments (G2 star rating ~4.3) - [Afterpay](https://www.g2.com/products/afterpay/reviews) – offers convenience and acceptance (G2 star rating ~4.2) - [GoCardless](https://www.g2.com/products/gocardless/reviews) – best suited for teams that need convenience and automation (G2 star rating ~4.6) Browse top options below. Based on G2 review data, Klarna is most commonly used in industries like [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Social Media Suites](https://www.g2.com/categories/social-media-suites). Compare user ratings by vertical to find the best fit. [Get Price](/products/klarna/software_advice_form_fill/new) ## 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. [![G2 Advertising](/assets/my-g2-logo-41632af6f81a240a0a9886638f412b2ac9a29f4001534f8c83be89a58ef9d45d.svg "G2 Advertising")](https://sell.g2.com/case-studies/how-aisdr-uses-g2-ads-to-turn-g2-into-top-5-traffic-source) Sponsored G2 Advertising Get 2x conversion than Google Ads with G2 Advertising! G2 Advertising places your product in premium positions on high-traffic pages and on targeted competitor pages to reach buyers at key comparison moments. [ Learn More ](https://sell.g2.com/case-studies/how-aisdr-uses-g2-ads-to-turn-g2-into-top-5-traffic-source) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/33722911aa5de05113e3d3acb9ecabab/paypal.png "Product Avatar Image") ](https://www.g2.com/products/paypal/reviews) [ PayPal Payments ](https://www.g2.com/products/paypal/reviews) By [PayPal](https://www.g2.com/sellers/paypal) [ 4.4/5(2,748) ](https://www.g2.com/products/paypal/reviews#reviews) Product Description PayPal Payments is a comprehensive payment processing solution designed to empower businesses of all sizes to accept payments seamlessly from customers worldwide. By integrating PayPal Payments, merchants can offer a variety of payment options, enhancing the checkout experience and potentially increasing conversion rates. Key Features and Functionality: - Global Payment Acceptance: Supports transactions in over 200 markets and 140 currencies, enabling businesses to cater to a diverse customer base. - Multiple Payment Methods: Allows customers to pay using credit and debit cards, PayPal balances, and other local payment methods, providing flexibility and convenience. - Seamless Integration: Compatible with major eCommerce platforms, facilitating easy integration into existing online stores. - Advanced Security Measures: Incorporates robust fraud protection tools and compliance features to safeguard both merchants and customers. - Financial Services: Offers access to business loans and working capital, assisting merchants in managing and expanding their operations. Primary Value and Solutions Provided: PayPal Payments addresses the critical need for businesses to offer secure, efficient, and versatile payment options to their customers. By leveraging PayPal's extensive network and trusted reputation, merchants can enhance customer trust, streamline payment processes, and expand their reach to international markets. The platform's comprehensive suite of tools not only facilitates payment acceptance but also supports business growth through financial services and operational insights. Reviewers say compared to Klarna, PayPal Payments is: More usable More expensive Better at meeting requirements Categories in common with Klarna: [ Installment Payment and Buy Now Pay Later (BNPL) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/7a49b25a78d1a50285a6a37789b87072/sezzle.png "Product Avatar Image") ](https://www.g2.com/products/sezzle/reviews) [ Sezzle ](https://www.g2.com/products/sezzle/reviews) By [Sezzle](https://www.g2.com/sellers/sezzle) [ 4.6/5(122) ](https://www.g2.com/products/sezzle/reviews#reviews) Product Description 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) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/630ea77f1207065cf86f7ee4b5cf533c/affirm.jpg "Product Avatar Image") ](https://www.g2.com/products/affirm/reviews) [ Affirm ](https://www.g2.com/products/affirm/reviews) By [Affirm](https://www.g2.com/sellers/affirm) [ 4.3/5(48) ](https://www.g2.com/products/affirm/reviews#reviews) Product Description Affirm helps merchants of all sizes drive growth and better serve their customers. We’ve proven that we can increase sales and introduce new consumers to our merchant partners. That’s why our partners include household-name brands across home and lifestyle, fashion, beauty, travel, fitness, auto service and parts, and more. This network is further bolstered by the Affirm app, which gives consumers a convenient way to use Affirm as an omnichannel payment method, while providing a marketplace for merchants to reach consumers. Reviewers say compared to Klarna, Affirm is: More expensive More usable Better at support Categories in common with Klarna: [ Installment Payment and Buy Now Pay Later (BNPL) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) [![G2 Advertising](/assets/my-g2-logo-41632af6f81a240a0a9886638f412b2ac9a29f4001534f8c83be89a58ef9d45d.svg "G2 Advertising")](https://sell.g2.com/case-studies/how-aisdr-uses-g2-ads-to-turn-g2-into-top-5-traffic-source) Sponsored G2 Advertising Get 2x conversion than Google Ads with G2 Advertising! G2 Advertising places your product in premium positions on high-traffic pages and on targeted competitor pages to reach buyers at key comparison moments. [ Learn More ](https://sell.g2.com/case-studies/how-aisdr-uses-g2-ads-to-turn-g2-into-top-5-traffic-source) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/01db7e5ba59111c311f9e405d3aa7e96/afterpay.png "Product Avatar Image") ](https://www.g2.com/products/afterpay/reviews) [ Afterpay ](https://www.g2.com/products/afterpay/reviews) By [Afterpay](https://www.g2.com/sellers/afterpay) [ 4.2/5(43) ](https://www.g2.com/products/afterpay/reviews#reviews) Product Description 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) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/0de31999bdfe0b3b49e8d5b20681260c/gocardless.png "Product Avatar Image") ](https://www.g2.com/products/gocardless/reviews) [ GoCardless ](https://www.g2.com/products/gocardless/reviews) By [GoCardless](https://www.g2.com/sellers/gocardless) [ 4.6/5(321) ](https://www.g2.com/products/gocardless/reviews#reviews) Product Description 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) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/f99fe35ef3eda249f28bad78e29af81f/zip-for-business.png "Product Avatar Image") ](https://www.g2.com/products/zip-for-business/reviews) [ Zip for Business ](https://www.g2.com/products/zip-for-business/reviews) By [Zip Co Limited](https://www.g2.com/sellers/zip-co-limited) [ 4.4/5(22) ](https://www.g2.com/products/zip-for-business/reviews#reviews) Product Description 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) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/06f2269a88dde562b155aa1546df319c/splitit.png "Product Avatar Image") ](https://www.g2.com/products/splitit/reviews) [ Splitit ](https://www.g2.com/products/splitit/reviews) By [Splitit](https://www.g2.com/sellers/splitit) [ 4.1/5(20) ](https://www.g2.com/products/splitit/reviews#reviews) Product Description 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) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/2f40719f502c2da358cd4f3395900c17/viabill.png "Product Avatar Image") ](https://www.g2.com/products/viabill/reviews) [ ViaBill ](https://www.g2.com/products/viabill/reviews) By [ViaBill](https://www.g2.com/sellers/viabill) [ 4.2/5(17) ](https://www.g2.com/products/viabill/reviews#reviews) Product Description 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) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/7ec174603caf3802fa878900f1201673/emplifi-emplifi.png "Product Avatar Image") ](https://www.g2.com/products/emplifi-emplifi/reviews) [ Emplifi ](https://www.g2.com/products/emplifi-emplifi/reviews) By [Emplifi](https://www.g2.com/sellers/emplifi-7f303838-0fb9-47c0-bc12-d24f181fe4b2) [ 4.4/5(382) ](https://www.g2.com/products/emplifi-emplifi/reviews#reviews) Product Description 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 ](/categories/live-commerce) [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/84991a5994f220f3ceca5105415057cd/futurepay-inc-futurepay.jpg "Product Avatar Image") ](https://www.g2.com/products/futurepay-inc-futurepay/reviews) [ FuturePay ](https://www.g2.com/products/futurepay-inc-futurepay/reviews) By [FuturePay](https://www.g2.com/sellers/futurepay-24b6006d-0822-4b3a-abf9-2b91b988922e) [ 4.2/5(10) ](https://www.g2.com/products/futurepay-inc-futurepay/reviews#reviews) Product Description 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) ](/categories/installment-payment-and-buy-now-pay-later-bnpl) ## Klarna Alternatives FAQs Generated using AI ### 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) with a 1.9-point lead in meeting requirements (9.0 vs 7.1) and a 2.1-point advantage in usability (9.1 vs 7.0). PayPal Payments also scores 0.8 points higher in ease of setup (8.9 vs 8.1) and 1.9 points better in support (8.3 vs 6.4). - **Best fit for Klarna:** Small businesses seeking flexible payment options like interest-free installments and pay-later features. - **Best fit for PayPal Payments:** Small businesses requiring a widely accepted, secure, and fast payment platform with strong international payment capabilities. - **Reviewer-cited strengths of Klarna:** Flexible payment plans, ease of use, and straightforward payment reminders. - **Reviewer-cited weaknesses of Klarna:** Limited merchant acceptance, confusing app interface, poor customer support, and occasional fraudulent activity concerns. - **Reviewer-cited strengths of PayPal Payments:** Ease of use (357 mentions), fast and secure international payments (199 mentions), wide acceptance, strong security, easy setup, and reliable customer support. - **Reviewer-cited weaknesses of PayPal Payments:** High transaction and currency conversion fees (177 mentions), occasional payment delays and holds, slow customer support, and account limitations. - **Reasons buyers switch:** Buyers switch to PayPal Payments for its global acceptance, ease of integration, and reliable international payment processing; some switch from Klarna due to Klarna’s limited availability and poor merchant support. ### What are the best alternatives to Klarna? - [PayPal Payments](https://www.g2.com/products/paypal/reviews) (4.4/5, 2743 reviews, Small-Business): Offers global payment acceptance, multiple payment methods, advanced security, and financial services like business loans. - [Sezzle](https://www.g2.com/products/sezzle/reviews) (4.6/5, 122 reviews, Small-Business): Provides interest-free installment plans and a shop system that drives new customer traffic. - [Affirm](https://www.g2.com/products/affirm/reviews) (4.3/5, 48 reviews, Small-Business): Features flexible payment terms ranging from 6 weeks to 60 months, transparent pricing with no hidden fees, and an omnichannel payment app. ### What features do alternatives offer that Klarna does not? Alternatives to Klarna offer features such as global payment acceptance in over 200 markets and 140 currencies, multiple payment methods including credit/debit cards and local payment options, advanced fraud protection, business loans and working capital access, and longer payment terms up to 60 months with flexible APR options. ### Which Installment Payment and Buy Now Pay Later (BNPL) tools do reviewers recommend instead of Klarna? Reviewers recommend [PayPal Payments](https://www.g2.com/products/paypal/reviews), [Sezzle](https://www.g2.com/products/sezzle/reviews), and [Affirm](https://www.g2.com/products/affirm/reviews) instead of Klarna due to better customer support, ease of use, flexible payment options, and broader acceptance. - [PayPal Payments](https://www.g2.com/products/paypal/reviews) (4.4/5, 2743 reviews, Small-Business): Praised for ease of use, international payments, and reliable customer service despite higher fees. - [Sezzle](https://www.g2.com/products/sezzle/reviews) (4.6/5, 122 reviews, Small-Business): Valued for easy integration, interest-free installments, and driving new customer traffic. - [Affirm](https://www.g2.com/products/affirm/reviews) (4.3/5, 48 reviews, Small-Business): Recommended for affordable, flexible payments with transparent terms and no hidden fees. ### 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) primarily for its superior ease of use, global acceptance, and robust international payment features. - **Best fit for PayPal Payments:** Businesses and freelancers needing fast, secure, and widely accepted payment processing with strong international currency support. - **Best fit for Klarna:** Consumers and merchants looking for flexible, interest-free installment payment options. - **Reviewer-cited strengths of PayPal Payments:** Simple setup and interface (357 mentions), fast and secure payments (191 mentions), extensive international payment support (199 mentions), reliable customer support, and seamless integration with e-commerce platforms. - **Reviewer-cited weaknesses of PayPal Payments:** High transaction and currency conversion fees (177 mentions), occasional account holds and payment delays, and inconsistent customer support responsiveness. - **Reviewer-cited strengths of Klarna:** Flexible payment plans and ease of use for installment payments. - **Reviewer-cited weaknesses of Klarna:** Limited merchant acceptance, confusing app interface, and poor customer service. - **Reasons buyers switch to PayPal Payments:** Reviewers highlight switching due to PayPal’s global reach, ease of integration, faster payment processing, and better support for international transactions compared to Klarna. ### Explore Articles [ Top-rated workforce management apps ](https://www.g2.com/discussions/top-rated-workforce-management-apps) [ Which freelance platforms are rated highest for professional services teams managing contractors and team collaboration in one place? ](https://www.g2.com/discussions/which-freelance-platforms-are-rated-highest-for-professional-services-teams-managing-contractors-and-team-collaboration-in-one-place) [ Which file converter tools have security and data protection compliance built in so legal and IT teams can approve them without a lengthy review process? ](https://www.g2.com/discussions/which-file-converter-tools-have-security-and-data-protection-compliance-built-in-so-legal-and-it-teams-can-approve-them-without-a-lengthy-review-process) [ ConnectWise PSA vs Autotask vs HaloPSA for an MSP with around 20 technicians that wants to stop paying for features they never use? ](https://www.g2.com/discussions/connectwise-psa-vs-autotask-vs-halopsa-for-an-msp-with-around-20-technicians-that-wants-to-stop-paying-for-features-they-never-use) [ What platform provides real-time task progress tracking? ](https://www.g2.com/discussions/what-platform-provides-real-time-task-progress-tracking) [ User-friendly payroll software for companies in multiple countries ](https://www.g2.com/discussions/what-is-the-most-user-friendly-payroll-software-for-companies-in-multiple-countries) ### Spotlight Categories [ Product Lifecycle Management (PLM) Software ](https://www.g2.com/categories/product-lifecycle-management-plm) [ Contact Center Quality Assurance Software ](https://www.g2.com/categories/contact-center-quality-assurance) [ AI Writing Assistants ](https://www.g2.com/categories/ai-writing-assistant)