# Compare PayPal Commerce Platform vs Klarna 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare PayPal Commerce Platform and Klarna based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/179252-230509/PayPal-Checkout-vs-Klarna

---

# PayPal Commerce Platform vs Klarna Features and Cost Comparison

Last updated May 15th, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

PayPal Commerce PlatformKlarna2/4 selected

[PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.6 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

[Klarna](https://www.capterra.com/p/230509/Klarna/)[3.7 (100)](https://www.capterra.com/p/230509/Klarna/reviews/)

[## PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.6 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

Starting Price

$0.01

Value-for-Money

4.5

Functionality

4.5

Ease of Use

4.6

Customer Service

4.1

Reviews Sentiment

Based on [499 reviews](#user-reviews)

Positive

467

Neutral

23

Negative

9

[## Klarna](https://www.capterra.com/p/230509/Klarna/)[3.7 (100)](https://www.capterra.com/p/230509/Klarna/reviews/)

Starting Price

Contact vendor

Value-for-Money

3.6

Functionality

3.9

Ease of Use

4

Customer Service

3.4

Reviews Sentiment

Based on [100 reviews](#user-reviews)

Positive

68

Neutral

4

Negative

28

## Not a match? Find software alternatives tailored to your priorities.

These software suggestions are similar to those you’re currently comparing.

### Adobe Commerce

4.3 (658)

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Starting Price

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Free Trial

Free Version

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User rating

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of reviewers  
rated it above 4 stars

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### NetSuite

4.2 (2,035)

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Starting Price

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Free Trial

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User rating

85%

of reviewers  
rated it above 4 stars

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Highest Rated

### Stripe

4.6 (3,335)

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User rating

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of reviewers  
rated it above 4 stars

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### Sticky.io

4.0 (22)

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Starting Price

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Flat Rate,Per Month

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User rating

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of reviewers  
rated it above 4 stars

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## Send this comparison chart to my inbox

### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.

## Summary

* * *

Key features rated by users

Features selected based on 23,127 reviews from payment processing software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

\--%Fit

Missing features

Feature ratings

Data Security

4.5

Online Payments

4.6

Payment Fraud Prevention

NA

Debit/Credit Card Processing

NA

Expense Tracking

NA

68%Fit

Missing features

Feature ratings

Data Security

4.1

Online Payments

4.3

Payment Fraud Prevention

3.9

Debit/Credit Card Processing

3.8

Expense Tracking

NA

User satisfaction

User satisfaction

4.6

User reviews[499](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

Ease of use

4.6

Functionality

4.5

Value for money

4.5

Customer support

4.1

User satisfaction

3.7

User reviews[100](https://www.capterra.com/p/230509/Klarna/reviews/)

Ease of use

4.0

Functionality

3.9

Value for money

3.6

Customer support

3.4

Price starts from

Price starts from

$0.01Not provided by vendor

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Whether you're a small business, ecommerce platform, marketplace, enterprise, or developer, PayPal Commerce Platform offers what you need to run your business and help it grow.

Best for

Not provided by vendor

## User reviews

Pros & cons

MD

Mackenzie D.

Founder

> "I like the additional features that they roll out such as PayPal cash for customers that they can use at your store, the customer will receive a..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7067693)

William C.

manager

> "Can be as nosey about what the purchases are of, like the credit card companys. "

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7054171)

RD

Ruth D.

Designer

> "It’s a payment platform that allows me to accept customers payments online, on app or in store."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7116589)

Ryan P.

Owner

> "The two and a half percent fee really eats into your profit if you are doing larger transactions."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7033505)

MD

Mackenzie D.

Founder

> "More importantly, I also like that I was able to customize my PayPal home screen to align with my branding."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7067693)

TI

Terriyanna I.

Volunteer Support

> "Your account can be suspended for months without any explanation, it takes days to contact customer support, a lot of people do not like using..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4802921)

RD

Ruth D.

Designer

> "I can manage it all in one place and have the icon on my website."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7116589)

Ryan P.

Owner

> "Thousands of dollars equals hundreds in fees."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7033505)

MD

Mackenzie D.

Founder

> "I like that I was able to integrate PayPal into my Shopify account."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7067693)

BJD

Brix Jasper D.

Account Executive

> "Some delays of payment somebody and bugs"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6332116)

JB

Jennifer B.

Owner

> "I appreciate that PayPal Commerce allows customers the ability to pay easily for products or services rendered."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7042285)

Shola O.

Internship

> "However, their services like receiving of payment is not available to people in my home country, Nigeria."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6095906)

Ryan P.

Owner

> "I especially like saving up crypto over time on the platform, treating it almost like a savings account."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7033505)

KS

Kristina S.

Freelancer

> "There is no special cons, except for one and that is that Paypal mobile application is still not enabled in my country, so I have to log in to a..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3580891)

TB

Tony B.

Owner

> "It’s easily available on several different sites and platforms."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7068854)

MB

Meghan B.

Owner

> "Not worth paying for. Since they disconnected their own payment processing and use an outside company it's more difficult to use."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6143877)

TB

Tony B.

Owner

> "They also have a credit service that is convenient."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7068854)

ZC

Zhulieta C.

administrativo

> "A month had made a copra over the internet with payment paypal discount the money and did not pay the purchase, it takes 40 days to refund the..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4655548)

JB

Jean B.

Training Specialist

> "It integrates with a wide array of websites and makes payment processing a breeze and very secure"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6329516)

JN

Jessica N.

Accounting Assistant

> "What I like least is that when I open the app on my cell phone, in addition to the digital one, it also asks me to confirm the device by text..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3552936)

Houyamne A.

UI Designer

> "It helps us to create and easily manage invoices, make payments, and accept payments in different installments."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4929875)

Melissa T.

Deli Associate

> "Like most PayPal branches, customer service leaves a lot to be desired."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6034305)

Houyamne A.

UI Designer

> "The most amazing phase of it is that it supports recurring billing, helps us to better manage risks, and overall; onboards customers."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4929875)

PA

Pascal A.

Freelancer

> "Sadly, what I dislike is the transactions fees are a bit high. And I think the PayPal bots are 'overly sensitive' thereby disabling people's..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3814618)

James G.

Marketing Specialist

> "Overall, PayPal is a trustworthy and efficient payment solution."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7096943)

CC

Carissa C.

Teacher

> "Add more features or ways to secure funds and bank accounts because, honestly, at first, I was hesitant to link my bank account."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4290677)

TM

Tholang M.

Owner

> "They provides us with history on our transactions, which is good for tracking and analyzing sales over time."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___5039919)

YH

Yahya H.

Student

> "The biggest problem for me is the energy put into the modules used to make you use the PayPal service (pay, fund your account, etc.). And..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3484806)

AC

Amine C.

Farmer Operator in Crop Production

> "The trust associated with the PayPal brand helps boost customer confidence and conversions"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6599333)

BB

Benjamin B.

Owner

> "sending funds of $100 to my daughters for New Years, i attempted to send funds $100 to my other daughter, but was declined, so concerned i called..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3280727)

ST

Senthamizhkaviya T.

NA

> "I like that it gives timely updates on each step of the process to my email. "

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6475481)

Moustafa Medhat A.

Student

> "I don't like that I can't change my address or Paypal's country. When moving from one country to another, I need to open a new Paypal account to..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3306629)

EK

Elena K.

Teaching Assistant

> "Paypal is a great commerce platform for making payments to different companies, small business owners and has a great customer service team."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6058911)

OS

Obrian S.

Surveyor

> "What I really don’t like about PayPal which I think they should fix is that sometimes when am sending money to it’s not showing my card details or..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3292995)

TB

Tony B.

Owner

> "Great service."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7068854)

Alejandro R.

Environmental engineer

> "We have also noticed that the commissions that PayPal receives are a little higher than other payment gateways. And finally, what has caused us..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3316149)

RM

Richard M.

None

> "I love PayPal because their lot to do even making money online for PayPal cash"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6483264)

Luis S.

TRADE MARKETING TRAINEE

> "I did not like when the app did not recognize my credit/debit cards for some reason. When that happens to me, I do not know what to do as I do not..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3460786)

RK

ROLIES K.

MANAGER

> "Very diverse, can be used in a lot of different countries as well"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6608230)

MNB

Mohd Nubli B.

Lecturer

> "This limits the payment options available to customers."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4629209)

CS

Charles S.

Owner

> "Easy and efficient way to manage your regular transactions."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6334824)

FE

Ful E.

Accountant

> "Most countries in Africa are restricted from sending money money but can only receive."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4777731)

Houyamne A.

UI Designer

> "Paypay commercial platform helps us to accelerate business growth and deliverables."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4929875)

VR

Verified Reviewer

Animal caretaker

> "Specifically, the setup, in general, can be somewhat a challenge if not tech-savvy, I've had some associates have some basic questions."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3618681)

CT

Cosmin T.

Welding Engineer

> "PayPal offers the option to link your bank account with your paypal account, allowing you to transfer funds from your paypal balance to your bank..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4260107)

MM

Misty M.

Co-owner

> "Even if the sender of the money calls customer support and verifies the transaction you are still stuck waiting the 7 business days."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3252591)

Houyamne A.

UI Designer

> "The Paypal commercial platform helps us to go beyond just simple payment collection."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4929875)

JG

Juan G.

Sales Manager

> "It needs to improve in terms of time, many times the waiting time for a refund is very long and the customer service response is not the best."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2940627)

ST

Senthamizhkaviya T.

NA

> "Easy to transfer and accept money, at one click. "

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6475481)

Gary G.

Marketing Director

> "Sometimes payments are withheld as a security measure, this can certainly affect the performance of a secure transaction as it can slow down the..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3184826)

VR

Verified Reviewer

Owner

> "I love PayPal and use it daily it’s great for sending and receiving money and invoices and things"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4804273)

RP

Ramya P.

Research Fellow

> "Using Paypal since I am not comfortable sharing credit card details on e-commerce platforms that I cannot authenticate."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2975212)

AN

Alison N.

Teacher

> "I feel safer using PayPal for online purchases, especially if it's somewhere I will only order once from."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4897617)

CS

Carl S.

Illustrator & Graphic Designer

> "The fees they charge for business use are a bit high. And the fact that you have to manually transfer your money to an external bank account is..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2909768)

SB

Sunil B.

Customer Service Consultant

> "Overall, a great payment gateway that is very secure and user friendly."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6658310)

JJ

Jane J.

Analista de Marketing Digital

> "In my paypal account in japan I also couldn't register my bank, there are only a few banks available that I don't use."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3182933)

BJD

Brix Jasper D.

Account Executive

> "Excellent and so exceptional in terms of features"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6332116)

ED

Evandro D.

CEO

> "The only thing lacking in my humble opinion is the ease with which in Brazil the competitor has Pagseguro or Mercado Livre to be able to pay in..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3483436)

BJD

Brix Jasper D.

Account Executive

> "Its easy to use and its very friendly to navigate"

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6332116)

JL

Johnny L.

Customer Service Representative

> "receipt can be edited and money and account can be hacked by the hackers."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3412491)

Shola O.

Internship

> "I can make payments for good and services worldwide."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___6095906)

VR

Verified Reviewer

Realtor

> "Lately, I have had every payment held for 21days simply because it's a virtual product, and customer support hasn’t been helpful at all."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3326690)

AG

Ashley G.

Owner

> "Paypal has made running the financial part of my business souch easier."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4901409)

MM

Misty M.

Co-owner

> "If you receive or send money over a certain amount they will put it on hold for 7 business days."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3252591)

MT

Martin T.

Designer

> "Fast and secure payment solution, which works well for businesses and between international banks and credit cards."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4291711)

NF

Nathan F.

Owner

> "I was able to start collecting payments very easily, but ended up losing trust in the entire platform after the way they handled my account."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2861643)

BB

Bryant B.

Business Owner & Trainer

> "I use templates when sending invoices which helps a lot and cuts down on time."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3811274)

Lunga K.

CEO

> "Many banks in my country doesn't support PayPal and that gives me challenges always with withdrawals."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3414749)

VR

Verified Reviewer

Financial Analyst

> "PayPal is eas to use, safe, and very fast. When they say 2-3 days, it's usually overnight. If you have a small business, and want to set p..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4255966)

VR

Verified Reviewer

Enterprise Resilience Officer

> "Some domestic features in certain countries may not be useable due to local rules, but this is outside paypal's control."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3029610)

KS

Kristina S.

Freelancer

> "Checkout is very fast and easy and does not require a return to the previous pages, everything is done in a few seconds and the money is..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3580891)

JL

Jilong L.

Senior Software Engineer

> "I feel disappointed with PayPal's customer service."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3812459)

ZC

Zhulieta C.

administrativo

> "I like the speed in transfers, I like the speed in the payments of purchases that I usually make online."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4655548)

KC

Kim C.

Nurse

> "I seemed to just get automated responses."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4653940)

VR

Verified Reviewer

architecture

> "Making transactions using paypal will feel easier especially with other paypal account users, almost the same as using ebanking but in the paypal..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2948263)

TD

Thao D.

marketing

> "Dispute handling, and sometimes you got banned out of nowhere, so it could affect heavily your business."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2953078)

PA

Pascal A.

Freelancer

> "What I like most is that PayPal Commerce is that it is easy to integrate - I literally installed it in my online shop in minutes."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3814618)

VR

Verified Reviewer

Career Coach, Counselor and Art\_Therapist

> "When transferring money to the bank account, the service costs are high, in my opinion."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3460702)

Oder Henrique R.

Environmental Engineer

> "In addition, because it works as a digital wallet, the user has more convenience in transactions and can buy and transfer amounts without having..."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2894333)

VR

Verified Reviewer

CEO

> "For me, it undermines its use for users from less-favoured countries and regions."

[See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2947397)

[View Reviews](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/)

LD

Leo D.

Embedded software test engineer

> "Smooth app, flexible payments, and enough reminders to make you question your life choices."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7127587)

LJ

Lyn J.

Senior Manager

> "The only problem I have is that Klarna allows for individuals to overspend and not use debt as an..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7133486)

DG

Damian G.

CTO

> "I like how seamless the checkout integration is for my clients stores."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7120503)

VR

Verified Reviewer

Student

> "The customer support can be a bit of a headache if you have to return an item and the merchant is..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135550)

VR

Verified Reviewer

Student

> "The app is really easy to navigate and I like that it sends me reminders before a payment is due"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135550)

BS

Bill S.

Owner President

> "Can’t sign in can’t get to chat with anybody your phone there and they can’t help me so don’t..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306)

CK

Clayton K.

Clerk Two

> "I really enjoy using Klarna as my go to for payment credit. "

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135267)

MC

Martin C.

CEO

> "They are dragging out procedures to avoid refunding amounts in dispute following potential fraud..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6793002)

CM

Cameron M.

Manager

> "What I liked most about Klarna at the time were the options versus other apps, Klarna had more..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6842750)

MT

Mikhail T.

welder

> "On December 10, I received a message that KLARNA had charged me more than $400 from my account..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6622275)

AC

Ashley C.

Commercial Advisor

> "Many retailers offer promotions via Klarna and I like the option to pay for the entire purchase..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6650789)

BS

Bill S.

Owner President

> "Can’t sign in keep sending me to text numbers to continue."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306)

HW

Hannah W.

Tax Accountant

> "Klarna is a great way to shop securely and space out payments!"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7082936)

JD

Julie D.

Dispatcher

> "So Walmart was having a glitch on their app, and Klarna is punishing me for it."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134)

MP

Marko P.

Photographer

> "What I liked most about Klarna is the payment plans and integration with multiple payment..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6581285)

JD

Julie D.

Dispatcher

> "Customer service is useless, sorry but they are, always overseas representatives, who can do..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134)

EJ

Ethan J.

Auditor

> "Klarna additionally has easily contactable customer support."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7104351)

JD

Julie D.

Dispatcher

> "Horrible customer service is useless and there pretty much is no customer service."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134)

VR

Verified Reviewer

Student

> "It makes the whole shopping experience feel a lot more modern."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135550)

GT

Gabriel T.

editor

> "Cannot use it to buy things."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6391063)

VR

Verified Reviewer

Student

> "Overall i have had a great experience using klarna for my online shopping."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7135550)

JD

Julie D.

Dispatcher

> "Kind of defeats the purpose of the Klarna app doesn't it."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134)

AS

ALFREDO S.

LEAD

> "cybersecurity super important."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7117164)

DM

Dylan M.

CIO

> "These all make the app much slower than alternatives."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6586759)

ALEXANDER G.

Owner head photographer

> "Well Klarna has been a great option for me on many occasions."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7114391)

SA

Sandra A.

Head of accounting

> "They algo give no option to answer disputes so any incident results in a loss of money for the..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6104588)

DS

Dani S.

Seller

> "What I like most about Klarna is how reliable it is, how easy it is to use, and how quick it is..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7125603)

David P.

General manager

> "However they keep saying “we will sort it after 6 month I find out they sent me to a debt agency..."

[See full review](https://www.capterra.com/p/230509/Klarna/#GetApp___6143076)

KC

Kimberly C.

Regional sales Manager- West

> "Klarna allowed me to buy all my work clothes all at once and pay for them in 4 smaller payments..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6054525)

MT

Mikhail T.

welder

> "it charged me twice the amount it was supposed to"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6622275)

ALEXANDER G.

Owner head photographer

> "The availability is always going to be the best part"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7114391)

JD

Julie D.

Dispatcher

> "They will just keep repeating that it's computer generated."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134)

AS

ALFREDO S.

LEAD

> "I like the app on my phone, super easy to use, excellent customer service."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7117164)

DM

Dylan M.

CIO

> "Terrible downgrade from Storcard."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6586759)

HW

Hannah W.

Tax Accountant

> "It is easy to use and I have never had any issues with it!"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7082936)

JD

Julie D.

Dispatcher

> "Worst app ever."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134)

DS

Dani S.

Seller

> "My overall experience with Klarna has been nothing short of great."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7125603)

BS

Bill S.

Owner President

> "It’s ridiculous waste of time."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306)

AB

Amile B.

AP Controller

> "It has been great when you have to manage your monthly spending budget."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6705626)

DM

Dylan M.

CIO

> "Terrible."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6586759)

SB

Sarah B.

Research Analyst

> "Making payments every week or every other week is more than ideal when having to make sure your..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4977761)

BS

Bill S.

Owner President

> "Terrible app."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306)

JA

James A.

CEO

> "Easy to use and can receive immediate acceptance on payment options."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6773821)

SB

Sarah B.

Research Analyst

> "Klarna claims they have no control over the way that is dealt with but it is hard to believe."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4977761)

SL

Simon L.

Manager

> "Integrates perfect with shopify, customer service there 24/7 to assist if any issues, setup was..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4229701)

JW

Jordyn W.

Student Trainer

> "I don't like that this option is not used for a lot of brands and online stores, however, it is..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4571678)

MP

Marko P.

Photographer

> "My overall experience with klarna was positive but not show stopping compared to its rivals"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6581285)

MS

Madison S.

Executive assistant

> "Sometimes, I have had issues with returns and refunds."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___3790948)

JW

Jordyn W.

Student Trainer

> "The app will enable you to shop through brands that use Klarna, which takes care of the hassle of..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4571678)

Gustavo B.

Director

> "There are no phone numbers or chat systems to get human prompt response to issues that might..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___3506918)

CD

Carlisbeth D.

Lead deck ambassador

> "It allows you to use in app but also on regular browser"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6033584)

Melissa T.

Deli Associate

> "It takes a bit longer to load than the normal length that most people are used to"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___3193117)

JH

Johnny H.

Production worker

> "I like that you can split up the payments in 4 ways."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4989203)

Gustavo B.

Director

> "Notwithstanding, I found some issues to get refunds."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___3506918)

[View Reviews](https://www.capterra.com/p/230509/Klarna/reviews/)

## User interface

[PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)

4.64 (499)

[Klarna](https://www.capterra.com/p/230509/Klarna/)

3.68 (100)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

ACH Payment Processing

207

Important

Activity Dashboard

150

Important

AI Copilot

120

Important

PayPal Commerce Platform

5/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/179252/PayPal-Checkout/#features)

Klarna

Top features

10/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/230509/Klarna/#features)

### Recognition

PayPal Commerce Platform is recognized as a top-rated tool in 1 Capterra Shortlist reports

Klarna is recognized as a top-rated tool in 2 Capterra Shortlist reports

### Deployment & support

PayPal Commerce Platform

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Klarna

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

PayPal Commerce Platform

-   By PayPal
-   Located in United States
-   Founded in 1998

Klarna

-   By Klarna
-   Located in Sweden
-   Founded in

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[Klarna](https://www.capterra.com/p/230509/Klarna/)[3.68 (100)](https://www.capterra.com/p/230509/Klarna/reviews/)

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