--- title: "Compare PayPal Commerce Platform vs Klarna 2026 | Capterra" description: "Unsure of what to choose? Check Capterra to compare PayPal Commerce Platform and Klarna based on pricing, features, product details, and verified reviews." source_url: "https://www.capterra.com/compare/179252-230509/PayPal-Checkout-vs-Klarna" page_type: "comparison" language: "en" --- # PayPal Commerce Platform vs Klarna Features and Cost Comparison Last updated September 16th, 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 (104)](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 (104)](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 [104 reviews](#user-reviews) Positive 72 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 (662) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 87% of reviewers rated it above 4 stars * * * ### Cin7 Omni 4.3 (601) * * * Starting Price $349.00 Flat Rate,Per Month Free Trial Free Version * * * User rating 86% of reviewers rated it above 4 stars * * * ### Marketing 360 4.5 (1,158) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 90% of reviewers rated it above 4 stars * * * Highest Rated ### Salesforce Commerce Cloud 4.5 (102) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 95% of reviewers rated it above 4 stars * * * ## Summary * * * Key features rated by users Features selected based on 24,065 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 4.2 Online Payments 4.3 Payment Fraud Prevention 3.9 Debit/Credit Card Processing 3.9 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[104](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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7067693) 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) 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) 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 > "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 > "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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4802921) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4655548) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3280727) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3306629) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3292995) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3580891) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4260107) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3316149) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3460786) TB Tony B. Owner > "Great service." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___7068854) 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) 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) 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) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3184826) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3483436) 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) 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) 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) 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) 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) 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) 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) 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) 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) KC Kim C. Nurse > "I seemed to just get automated responses." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4653940) FK Fortunate K. Owner > "The interface is simple and straight to the point, which I like. And copying code to your website is not a tedious task." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4475188) 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) 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) KB Kumar B. CEO > "There is no reliable international payment option in Nepal other than PayPal." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3374322) AD Agatha D. Revender > "possibility to work with different currencies, management report to help, low fees." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4294506) Peter U. Sales man > "I became unhappy when I couldn't withdraw in my local currency NGN to my naira bank account. And I found it hard linking my NGN master..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2811813) MNB Mohd Nubli B. Lecturer > "It has over 200 million active users worldwide, making it ideal for selling products or services internationally." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4629209) WP Wasim P. Private Tutour > "Despite PayPal being easy to use, the biggest drawback for me is the fee charged by the company to receive funds from someone else." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3475370) 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) WS William S. artist > "There are huge fees for chargebacks with Paypal." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3222044) SA Sadeq A. Engineering computer > "It is the ease of dealing with profitable sites, as well as its global spread, and the simplicity of its design, as well as linking the..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3428942) SL Sally L. Law Student > "Sometimes I am unable to see the actual cost of my order because the Paypal total doesn't apply the retailer's coupons that I have added to..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2519055) CT Cosmin T. Welding Engineer > "Money sent to us from other countries can be received immediately and without any delays." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4260107) 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) YE Youssef E. freelancer > "The reasons why I like this web payment company are first, facilitates users to send and receive money to business associates, friends,..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3331228) Pius S. Managing Director > "Withdrawal time and customer support response could do better." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3360344) César C. Computer engineer > "It is the service in which I keep my money, that says it all, it is an application that gives me security and confidence, I think that is the..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3455775) 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) ZC Zhulieta C. administrativo > "In general I like to use paypal has helped me on a day-to-day life in online shopping and sales" [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4655548) ST Sean T. packer > "What I did not like about the software was the limited seller protection." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3358743) FK Fortunate K. Owner > "The interface is simple and straight to the point, which I like. And copying code to your website is not a tedious task." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___4475188) LF Laurie F. Finance & Office Manager > "It's not intuitive how to request your money once someone has sent it to you." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2962381) SA Sadeq A. Engineering computer > "It is the ease of dealing with profitable sites, as well as its global spread, and the simplicity of its design, as well as linking the..." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3428942) 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) AP Anders P. Writer > "The visual scheme of both the online website and mobile application are incredibly easy to both look at and understand." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3273204) Sébastien G. Developer > "I found that despite being a world class company, the overall UX and developer experience was bad." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___2816063) JB Julie B. Sales Specialist > "The GUI is great and the platform has been around for years and it is a trusted software/brand." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3311122) Melissa T. 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) 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) Pius S. Managing Director > "Withdrawal time and customer support response could do better." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3360344) 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) DF Douglas F. PhD Candidate > "The customer service is a bit slow sometimes/." [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___3350419) SM Samba M. Marketing > "Yes the product's is easy to use and fast however I'm glad to be here" [See full review](https://www.capterra.com/p/179252/PayPal-Checkout/#Capterra___5029008) 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) [View Reviews](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/) JP Jamie P. Heating Specialist > "The app is intuitive, provides clear payment schedules and reminders, and integrates with a wide..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7189726) 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) 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) 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) 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) 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) 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) 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) 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) 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 at..." [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) MP Marko P. Photographer > "What I liked most about Klarna is the payment plans and integration with multiple payment platforms" [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6581285) 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) 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) 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) 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 > "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) AS ALFREDO S. LEAD > "cybersecurity super important." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7117164) 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) 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) 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) 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 to..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___7125603) 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) 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) 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) 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) 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) 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 > "They will just keep repeating that it's computer generated." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6771134) 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) DM Dylan M. CIO > "Terrible downgrade from Storcard." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6586759) 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 > "Worst app ever." [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) BS Bill S. Owner President > "It’s ridiculous waste of time." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6792306) 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) DM Dylan M. CIO > "Terrible." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6586759) 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) 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) GT Gabriel T. editor > "Cannot use it to buy things." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6391063) 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) 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) 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) 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) 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) 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) 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) 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) 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) HS Henrik S. QA Manager > "Fast and easy way of making payments from online sites. If a website uses Klarna, it makes me more..." [See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4216960) 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/) 3.73 (104) ## 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 Accounting Integration 207 Important ACH Payment Processing 150 Important Activity Dashboard 120 Important PayPal Commerce Platform 7/50 - Accounting Integration - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Barcode/Ticket Scanning - Billing & Invoicing - Cash Management - Compliance Management - Contactless NFC - Credit Card Management - Credit Card Processing - CRM - Cryptocurrency Processing - Customer Database - Customizable Branding - Data Import/Export - Data Security - Data Synchronization - Debit/Credit Card Processing - Digital Wallet Integration - Digital Wallet Payments - Discount Management - eCommerce Integration - E-commerce Integration - Electronic Signature - Encryption - Expense Tracking - Fraud Detection - Generative AI - Gift Card Management - In-Person Payments - Invoice Management - Level 3 - Levels 1 & 2 - Loyalty Program - Mobile Access - Mobile Card Reader - Mobile Payments - Multi-Currency - Multi-Location - Multiple Payment Options - Offline Access - Omnichannel - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links [See all features](https://www.capterra.com/p/179252/PayPal-Checkout/#features) Klarna Top features 13/50 - Accounting Integration - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Barcode/Ticket Scanning - Billing & Invoicing - Cash Management - Compliance Management - Contactless NFC - Credit Card Management - Credit Card Processing - CRM - Cryptocurrency Processing - Customer Database - Customizable Branding - Data Import/Export - Data Security - Data Synchronization - Debit/Credit Card Processing - Digital Wallet Integration - Digital Wallet Payments - Discount Management - eCommerce Integration - E-commerce Integration - Electronic Signature - Encryption - Expense Tracking - Fraud Detection - Generative AI - Gift Card Management - In-Person Payments - Invoice Management - Level 3 - Levels 1 & 2 - Loyalty Program - Mobile Access - Mobile Card Reader - Mobile Payments - Multi-Currency - Multi-Location - Multiple Payment Options - Offline Access - Omnichannel - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links [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 No recognitions have been awarded to Klarna ### 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 ## Popular Comparisons [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.64 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) $0.01 Price $0.29 4.5 Features 4.6 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/179252-207944/PayPal-Checkout-vs-PayPal) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.73 (104)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) Contact vendor for pricing Price $0.29 3.9 Features 4.6 4.0 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/207944-230509/PayPal-vs-Klarna) [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.64 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,306)](https://www.capterra.com/p/222572/Venmo-/reviews/) $0.01 Price Contact vendor for pricing 4.5 Features 4.6 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/179252-222572/PayPal-Checkout-vs-Venmo-) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.73 (104)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,306)](https://www.capterra.com/p/222572/Venmo-/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.6 4.0 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/222572-230509/Venmo--vs-Klarna) [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.64 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,383)](https://www.capterra.com/p/123889/Stripe/reviews/) $0.01 Price Contact vendor for pricing 4.5 Features 4.5 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-179252/Stripe-vs-PayPal-Checkout) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.73 (104)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,383)](https://www.capterra.com/p/123889/Stripe/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.5 4.0 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-230509/Stripe-vs-Klarna) [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.64 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/) vs [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) $0.01 Price Contact vendor for pricing 4.5 Features 4.6 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/170278-179252/Square-Payments-Processing-vs-PayPal-Checkout) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.73 (104)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.6 4.0 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/170278-230509/Square-Payments-Processing-vs-Klarna) [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.64 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/) vs [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (308)](https://www.capterra.com/p/229452/Afterpay/reviews/) $0.01 Price Contact vendor for pricing 4.5 Features 4.6 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/179252-229452/PayPal-Checkout-vs-Afterpay) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.73 (104)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.24 (2,073)](https://www.capterra.com/p/135757/NetSuite/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.2 4.0 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-230509/NetSuite-vs-Klarna) [PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[4.64 (499)](https://www.capterra.com/p/179252/PayPal-Checkout/reviews/) vs [Shopify](https://www.capterra.com/p/83891/Shopify/)[4.54 (6,718)](https://www.capterra.com/p/83891/Shopify/reviews/) $0.01 Price $29/month 4.5 Features 4.4 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/83891-179252/Shopify-vs-PayPal-Checkout) [Klarna](https://www.capterra.com/p/230509/Klarna/)[3.73 (104)](https://www.capterra.com/p/230509/Klarna/reviews/) vs [Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.57 (308)](https://www.capterra.com/p/229452/Afterpay/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.6 4.0 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/229452-230509/Afterpay-vs-Klarna)