# Compare Affirm vs Klarna 2026 | Capterra

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

Source: https://www.capterra.com/compare/218694-230509/Affirm-vs-Klarna

---

# Affirm vs Klarna Features and Cost Comparison

Last updated March 30th, 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:

AffirmKlarna2/4 selected

[Affirm](https://www.capterra.com/p/218694/Affirm/)[4.8 (52)](https://www.capterra.com/p/218694/Affirm/reviews/)

[Klarna](https://www.capterra.com/p/230509/Klarna/)[3.6 (94)](https://www.capterra.com/p/230509/Klarna/reviews/)

[## Affirm](https://www.capterra.com/p/218694/Affirm/)[4.8 (52)](https://www.capterra.com/p/218694/Affirm/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.5

Functionality

4.6

Ease of Use

4.8

Customer Service

4.5

Reviews Sentiment

Based on [52 reviews](#user-reviews)

Positive

48

Neutral

3

Negative

1

[## Klarna](https://www.capterra.com/p/230509/Klarna/)[3.6 (94)](https://www.capterra.com/p/230509/Klarna/reviews/)

Starting Price

Contact vendor

Value-for-Money

3.5

Functionality

3.8

Ease of Use

3.9

Customer Service

3.3

Reviews Sentiment

Based on [94 reviews](#user-reviews)

Positive

62

Neutral

4

Negative

28

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

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Highest Rated

### SKU IQ

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* * *

Starting Price

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Usage Based,Per Month

Free Trial

Free Version

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User rating

94%

of reviewers  
rated it above 4 stars

* * *

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4.3 (655)

* * *

Starting Price

Contact vendor for pricing

Free Trial

Free Version

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User rating

87%

of reviewers  
rated it above 4 stars

* * *

### Stripe

4.6 (3,304)

* * *

Starting Price

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Free Trial

Free Version

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User rating

93%

of reviewers  
rated it above 4 stars

* * *

### NetSuite

4.2 (1,991)

* * *

Starting Price

Contact vendor for pricing

Free Trial

Free Version

* * *

User rating

85%

of reviewers  
rated it above 4 stars

* * *

## Summary

* * *

Key features rated by users

Features selected based on 6,382 reviews from ecommerce 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

Credit Card Processing

4.8

Data Security

NA

Electronic Payments

4.8

Order Management

NA

Shopping Cart

NA

58%Fit

Missing features

Feature ratings

Credit Card Processing

3.6

Data Security

4.1

Electronic Payments

3.6

Order Management

NA

Shopping Cart

NA

User satisfaction

User satisfaction

4.8

User reviews[52](https://www.capterra.com/p/218694/Affirm/reviews/)

Ease of use

4.8

Functionality

4.6

Value for money

4.5

Customer support

4.5

User satisfaction

3.6

User reviews[94](https://www.capterra.com/p/230509/Klarna/reviews/)

Ease of use

3.9

Functionality

3.8

Value for money

3.5

Customer support

3.3

Price starts from

Price starts from

\--

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Affirm is tailored to merchants looking to increase average order value and repeat purchase rate. Regardless of industry or size, Affirm removes price as a barrier, turning browsers into buyers.

Best for

Not provided by vendor

## User reviews

Pros & cons

AW

Angela W.

Founder of The Mandated Reporter School

> "As a business owner, this feature allows the parents to break their monthly fees into smaller, more manageable, payments that..."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6830639)

VR

Verified Reviewer

Architecture

> "Fine, I did it. But then the entire process got stuck on “order processing” while the money was already taken from my account!..."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6660285)

SJ

SHERYL J.

FIELD ESTIMATOR

> "It allows for multiple options on how I'd like to pay for a product overtime, integrating very well with company monthly budget..."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6695240)

WD

Will D.

Owner

> "It is constantly reaching out about varying promotions that do not apply to me"

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6779223)

SF

Sarah F.

Sales Orderer-Purchases

> "My favorite thing about affirm is having so many options to pick for payment plans, whether you want to pay it off in 3- 12 month..."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6840584)

VR

Verified Reviewer

Architecture

> "Poor money reversal process – Refunds take an unreasonably long time (up to 100 days) to process."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6660285)

OK

Omar K.

Fulfillment specialist

> "It helps me manage my money and allows me to buy the item I want without breaking the bank!"

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6652761)

Royce C.

Software Reviewer

> "I didn't like how everything separated my payments on certain products I wish it could have been combined into one payment"

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6735205)

Royce C.

Software Reviewer

> "I enjoyed the fact that I could purchase things on Amazon or other online stores That's actually how I was able to get my..."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6735205)

HW

Heather W.

Owner

> "Everything no one can tell me why I can’t have an account after almost 2 years of being told there’s no reason why you should be..."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6719515)

WD

Will D.

Owner

> "Ease of connecting potential purchases with payment plans that meet my needs"

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6779223)

DW

Driale W.

Owner

> "They go based off credit which is a headache because not everyone has good credit!"

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6786377)

DW

Driale W.

Owner

> "That is gives you an option for flexible payment which is wonderful!"

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6786377)

AW

April W.

Administration

> "Interest was low for me securing product I wouldn't otherwise have been able to purchase."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6626474)

OK

Omar K.

Fulfillment specialist

> "I love how you can purchase something and manage your finances by not putting a dent on your pocket."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6652761)

AB

Autumn B.

Designer

> "I dislike the interest rates that are associated with the service"

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6324391)

AW

Angela W.

Founder of The Mandated Reporter School

> "This is a win for both my business, and the clients that I service."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6830639)

VR

Verified Reviewer

Architecture

> "Affirm seriously needs to fix their ridiculous money reversal process."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6660285)

LR

Lola R.

Creative Editor

> "I especially enjoy the dashboard because it shows right up front how much "money" is available."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6685232)

AI

ADRIANO I.

CFO

> "They took forever to answer, and we got tired to wait for answers."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6343220)

TT

Tommy T.

AV Technician

> "Lots of companies use affirm as a financial option and they are efficient on that."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___6660328)

SB

Stacey B.

service writer

> "I don't like that even if I'm paid up on my open loans, sometimes it doesn't allow me to take out another loan."

[See full review](https://www.capterra.com/p/218694/Affirm/#Capterra___4324480)

[View Reviews](https://www.capterra.com/p/218694/Affirm/reviews/)

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)

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)

MC

Martin C.

CEO

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

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

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)

AS

ALFREDO S.

LEAD

> "cybersecurity super important."

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

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)

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)

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)

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)

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)

GT

Gabriel T.

editor

> "Cannot use it to buy things."

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

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)

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)

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)

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)

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)

David P.

General manager

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

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

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)

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)

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)

JD

Julie D.

Dispatcher

> "Worst app ever."

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

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)

BS

Bill S.

Owner President

> "It’s ridiculous waste of time."

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

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)

BS

Bill S.

Owner President

> "Terrible app."

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

JW

Jordyn W.

Student Trainer

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

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

DM

Dylan M.

CIO

> "Terrible downgrade from Storcard."

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

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)

DM

Dylan M.

CIO

> "Terrible."

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

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)

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)

RF

Rickie F.

Owner

> "So easy to use"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6398960)

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)

SF

Sarah F.

Owner

> "Overall I am pleased with Klarna for accepting payments"

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6349422)

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)

HS

Henrik S.

QA Manager

> "Fast and easy way of making payments from online sites. If a website uses Klarna, it makes me..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4216960)

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)

Tiara H.

Founder

> "The payment plan and interest rates are very reasonable."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___6033344)

Gustavo B.

Director

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

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

ZH

ZoeMae H.

Level 2 Customer Care Associates

> "klarna has made paying in installements without interest very simple and keeps all information..."

[See full review](https://www.capterra.com/p/230509/Klarna/#Capterra___4517098)

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)

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

## User interface

No images or videos  
provided by vendor

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

3.63 (94)

## 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

Activity Dashboard

207

Important

AI Copilot

150

Important

Alerts/Notifications

120

Important

Affirm

5/44

-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Campaign Management
-   Catalog Management
-   Content Management
-   Credit Card Processing
-   CRM
-   Customer Accounts
-   Customizable Branding
-   Customizable Templates
-   Data Security
-   Data Synchronization
-   Discount Management
-   Drag & Drop
-   Electronic Payments
-   Email Marketing
-   Generative AI
-   Inventory Management
-   Inventory Tracking
-   Kitting
-   Loyalty Program
-   Mobile Access
-   Multi-Channel Management
-   Multi-Channel Marketing
-   Multi-Currency
-   Multi-Location
-   Multi-Store
-   Order Management
-   Order Tracking
-   Promotions Management
-   Purchase Order Management
-   Real-Time Data
-   Reporting & Statistics
-   Returns Management
-   Reviews Management
-   Sales Order Management
-   SEO Management
-   Shipping Management
-   Shopping Cart
-   Templates
-   Third-Party Integrations
-   Website Management

[See all features](https://www.capterra.com/p/218694/Affirm/#features)

Klarna

Top features

8/44

-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Campaign Management
-   Catalog Management
-   Content Management
-   Credit Card Processing
-   CRM
-   Customer Accounts
-   Customizable Branding
-   Customizable Templates
-   Data Security
-   Data Synchronization
-   Discount Management
-   Drag & Drop
-   Electronic Payments
-   Email Marketing
-   Generative AI
-   Inventory Management
-   Inventory Tracking
-   Kitting
-   Loyalty Program
-   Mobile Access
-   Multi-Channel Management
-   Multi-Channel Marketing
-   Multi-Currency
-   Multi-Location
-   Multi-Store
-   Order Management
-   Order Tracking
-   Promotions Management
-   Purchase Order Management
-   Real-Time Data
-   Reporting & Statistics
-   Returns Management
-   Reviews Management
-   Sales Order Management
-   SEO Management
-   Shipping Management
-   Shopping Cart
-   Templates
-   Third-Party Integrations
-   Website Management

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

### Recognition

No recognitions have been awarded to Affirm

No recognitions have been awarded to Klarna

### Deployment & support

Affirm

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

Affirm

-   By Affirm
-   Located in United States
-   Founded in

Klarna

-   By Klarna
-   Located in Sweden
-   Founded in

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[Klarna](https://www.capterra.com/p/230509/Klarna/)[3.63 (94)](https://www.capterra.com/p/230509/Klarna/reviews/)

vs

[Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

3.8

Features

4.5

3.9

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/123889-230509/Stripe-vs-Klarna)

[Affirm](https://www.capterra.com/p/218694/Affirm/)[4.75 (52)](https://www.capterra.com/p/218694/Affirm/reviews/)

vs

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.56 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

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Price

Contact vendor for pricing

4.6

Features

4.6

4.8

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/218694-229452/Affirm-vs-Afterpay)

[Klarna](https://www.capterra.com/p/230509/Klarna/)[3.63 (94)](https://www.capterra.com/p/230509/Klarna/reviews/)

vs

[Afterpay](https://www.capterra.com/p/229452/Afterpay/)[4.56 (306)](https://www.capterra.com/p/229452/Afterpay/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

3.8

Features

4.6

3.9

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/229452-230509/Afterpay-vs-Klarna)