# Compare Venmo vs Klarna 2026 | Capterra

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

Source: https://www.capterra.com/compare/222572-230509/Venmo--vs-Klarna

---

# Venmo vs Klarna Features and Cost Comparison

Last updated April 22nd, 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:

VenmoKlarna2/4 selected

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.7 (9,279)](https://www.capterra.com/p/222572/Venmo-/reviews/)

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

[## Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.7 (9,279)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.8

Functionality

4.6

Ease of Use

4.7

Customer Service

4.4

Reviews Sentiment

Based on [9,279 reviews](#user-reviews)

Positive

8,833

Neutral

299

Negative

147

[## 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

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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 23,061 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

83%Fit

Missing features

Feature ratings

Data Security

4.6

Online Payments

4.7

Payment Fraud Prevention

NA

Debit/Credit Card Processing

4.6

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

4.7

User reviews[9,279](https://www.capterra.com/p/222572/Venmo-/reviews/)

Ease of use

4.7

Functionality

4.6

Value for money

4.8

Customer support

4.4

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

\--

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Ideal for small to medium-sized enterprises, it is a mobile platform that helps users to carry out money transmissions.

Best for

Not provided by vendor

## User reviews

Pros & cons

AS

Amber S.

Business Administrator

> "I like how people are able to add pictures specifying it is them, the additional code option to type in the last 4 digits of their cell phone..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7007851)

VW

Victoria W.

Creator

> "I have used Venmo's customer support system 2 times in order to attempt to cancel payments 1 that was accidentally sent to the wrong person and..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7055635)

DH

Denise H.

paralegal

> "I also like that you are not only able to use the app but can also get a venmo debit card that not only can you use but it will also keep track of..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7083997)

BY

Brian Y.

Visa Consulting Specialist

> "I do not like the restricted business functionality and the random payment flag that make it not as reliable with bigger or more serious client..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7069018)

RR

Rebecca R.

Production manager

> "The app makes splitting bills, paying friends, or handling small transactions very convenient, and transfers usually happen within seconds."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7139340)

MW

Melissa W.

Hospital administrator

> "The idea of using Venmo for a business makes me feel like the clients thinks that they’re having a lower less premium service."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7055619)

DR

David R.

Dive Operation Manager

> "We can process payments on phones, gratuities are a breeze, and transfers keep up with our pace between marina, shop, and liveaboards."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6881505)

Trinidad F.

Autonomous Remote Assistant

> "The only thing I don't like about Venmo is the percentage taken when transferring funds to a bank account for withdrawal."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7093524)

Desiree G.

peer support

> "Everything is documented and you can easily connect contacts and utility companies and pay monthly on time."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7089754)

JG

Jennifer G.

Librarian

> "The only con to venmo that I can think of is people being able to use it to set up fake accounts and scam."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100630)

Nava B.

Owner

> "I especially like being able to just show my QR code to someone instead of having to spell my Venmo name to them."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100073)

AP

Alissa P.

agent

> "Customer support can be slow, and there are occasional bugs or issues with transactions or account access."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7125848)

CTB

Connor T. B.

Financial Operations Manager

> "It accelerated the distribution of petty cash, so our teams could move faster without waiting for accounting’s approval for small purchases."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6806809)

HC

Hilary C.

Owner

> "Privacy settings can be confusing, and instant transfer fees may add up with frequent use over time."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7127843)

GA

George A.

Owner

> "Searching users is quick and the process of making payments as well as receiving payments is quick."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7053405)

RW

Renee W.

Direct support professional

> "You are limited to the number of cards you can add to your Venmo account during a 6 month period which for me was sort of inconvenient because I..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6679467)

KC

Kimberlee C.

Supervisor

> "I enjoy using it to send my son money when he needs it. And it is immediately available to him."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7050167)

AM

Annie M.

Physician Assistant

> "The only thing I don't like about Venmo is that the payments are not instant (unless you pay extra), but honestly it doesn't really bother me and I..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7056541)

AS

Amber S.

Business Administrator

> "Having all my coworkers on the platform made it easier to find others and also remind me who I needed to send money to for whatever they may have..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7007851)

VR

Verified Reviewer

Regulatory Engineer

> "There is no protection of your money if you accidentally Venmo the wrong person (unless you select business purchase)"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7120972)

VR

Verified Reviewer

Dental Hygienist

> "The addition of the ability to buy crypto is a nice touch as well."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7075560)

Saemi P.

artist

> "One drawback I've encountered is that while I use Venmo on various websites for class bookings and payments, Venmo itself cannot process payments..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6439498)

KW

Kate W.

Office Manager

> "It's super easy to take payments whereever you are, online, in person, and have others in the business take payments on your behalf."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7138104)

RW

Robin W.

President

> "Both outdated support options on the App and the website and then horrific support through their customer support phone line. "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7002034)

Ashley B.

Owner

> "I like that Venmo separates my personal profile from my small business profile."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7076483)

VR

Verified Reviewer

Administrative Assistant

> "I don't like that you have to pay a fee to transfer money immediately, or you have to wait a few days for the money to be put into your account."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6858926)

AP

Alissa P.

agent

> "It’s easy to use, fast, and reliable for sending and receiving money. While it’s great for convenience, it has some limitations when it comes to..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7125848)

VB

Violet B.

Artist Representative

> "I dislike having to turn off public view for my personal and/or business transactions. "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7140777)

RR

Rebecca R.

Production manager

> "The interface is simple and user-friendly, and linking a bank account or card is straightforward."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7139340)

BL

Blake L.

graphic designer

> "However it has some drawbacks including security risks, potential privacy issues and fee structures."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6811276)

CB

Crysta B.

Sales

> "I like having the option to keep it on the account and use the Venmo card or transfer it to my bank account."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7035272)

KJ

Krysta J.

Teacher

> "I don’t like that if I have a balance on there I can’t pay with my card instead of the balance."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6805021)

VR

Verified Reviewer

Regulatory Engineer

> "Great way to pay others back quickly and track small expenses."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7120972)

LG

Lisa G.

Coach and Consultant

> "I had an experience where I used my debit card and the tip at a restaurant made me go negative in my account. "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6835723)

WD

Will D.

Project Accountant

> "I love that I can easily send money to friends or others to conveniently pay for goods and services or split bills."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6813756)

Saemi P.

artist

> "Additionally, I would prefer to display only Venmo as a payment option on the Setmore website, but this isn't allowed due to Venmo being linked to..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6439498)

PK

Paul K.

President

> "One of the best things about Vennmo is its easy to use payment processing systems for credit card payments."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7116310)

RW

Robin W.

President

> "It is deeply frustrating as to the level of incompetence, especially since there is money in his venmo account that he cannot access."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7002034)

PK

Paul K.

President

> "With low fees and top notch customer support, it is an excellent choice for your business and personal needs."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7116310)

AS

Alexis S.

Owner

> "It is a bit confusing and something that you will have to get used to before actually sending an receiving money."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7092966)

AB

Amanda B.

assistant manager

> "I have had no issues sending or receiving payments through venmo. And they even have a venmo card you can use too!"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6861301)

AF

Alicia F.

Owner

> "I don't like how your payments can be made public, each time to ensure your own privacy you have to change the setting from public to private."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6571985)

DP

Dana P.

Admin

> "Without taking fees out you can transfer to your bank between your 1-3 business days which is amazing"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7040390)

MM

Madison M.

Speech Language Pathology Assistant

> "One, I do not like how you can not use the balance in your Venmo account unless what you are sending is less than the current balance."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6802796)

AP

Alissa P.

agent

> "Payment processing is fast, and it’s convenient for everyday transactions."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7125848)

KK

Kennedy K.

Four Oaks Farm Staff Assistant

> "The only downside to venmo is if you need the money instantly it takes quite a bit of money for a transfer fee."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6680209)

MT

Michael T.

Tutor

> "The social media element is odd and unnecessary. If you’re a very small business with minimal bookkeeping and data needs, Venmo works perfectly..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6330746)

VR

Verified Reviewer

sole proprieter

> "I called customer service and spent 1/2 hour on the phone with them adding a debit card and the payments were still declined."

[See full review](https://www.capterra.com/p/222572/Venmo-/#GetApp___6488499)

DG

Debra G.

Sales manager

> "Good for collecting payments and customer service is good experience"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7077895)

KM

Kristen M.

Owner

> "I can say the only thing that I didn't like about venmo was the fact that certain cards weren't allowed like let's say I have a MasterCard and I..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6780701)

VW

Victoria W.

Creator

> "I have many small businesses and side hustles and Venmo is very easy to use with minimal to no set up or commitment required."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7055635)

SN

Susan N.

Owner

> "I have given them my drivers license, passport, picture of the house number on my house, food stamp card, medical marijuana government ID card,..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___4905875)

HG

Helder G.

Owner

> "I can send and receive money to my friends easily and also collect payments in my small business"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6775251)

JS

Julissa S.

Administration

> "I don’t like being charged for express transfers."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7099461)

VR

Verified Reviewer

Notary public and controller

> "It’s easy to navigate and figure out how to use and you also have the ability to link your bank accounts or debit cards to it."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6876655)

SG

Sausha G.

Barista

> "That my account was over drafted for something I already paid for i had money in my account when paid for item now my account is incollections"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6568187)

JC

Jesse C.

Massage Therapist

> "I like that you can easily provide your personal QR code for customers to link to and pay you."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6524228)

ND

Nathaniel D.

Speech pathologist

> "The only con to the app is that it has the bitcoin stuff on it and I am not familiar with how that works ."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6716958)

BH

Brianna H.

Front Office

> "I love how easy and fast it is to transfer money over to someone else or if someone gives me money and I can transfer within seconds to my bank..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6408446)

BP

Brittany P.

Owner

> "There's nothing I don't like honestly , I mean the security could have been a little better when others hack your account"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6872759)

Nathaniel H.

Process Engineer

> "Almost everyone in my personal life that I deal with has a Venmo account, which makes sending and receiving payments a breeze."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6770812)

BL

Brandon L.

Head

> "No issues really other than the fact that you or I guess I have had troubles connecting with my paypal which is odd because its integrated to do it."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6498258)

SC

Sebastian C.

Information Technology Intern

> "Functionality is good and fleshed out, having all features I need."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7130144)

SN

Susan N.

Owner

> "They tell you that the only department that can release the funds is through an account specialist and you sure can’t talk to them they only go by..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___4905875)

SC

Sebastian C.

Information Technology Intern

> "Customer support was great when bugs and issues arose."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7130144)

LH

Larry H.

Owner

> "First I liked using them, but then they paused my account with no good reason and with no recourse other than “ we suggest finding another payment..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#SoftwareAdvice___6692045)

JG

Jennifer G.

Librarian

> "My overall experience with venmo has been so great and convienent to be able to pay or receive money fast."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100630)

BB

Bronwyn B.

Seller

> "It makes it difficult to go through my payments."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6871939)

AS

Arpan S.

Email Marketing Expert

> "Guests who arrived at our events were able to make payments via their phones or tablets; this convenience allowed us to move through the line..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___4799301)

CD

Caitlin D.

Founder

> "As far as I know, it's not available outside the US, which limits international transactions."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6660846)

Karin R.

Executive Director

> "We host dozens of events every year and Venmo allows us the flexibility to accept payment on the fly and to pay gratuity to our performers by their..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6152324)

RN

Rachael N.

Student

> "It can be frustrating when it makes you pay more (fees?) for random payments."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6775774)

Desiree G.

peer support

> "I connected my bank account with no issue."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7089754)

BB

Braydon B.

Small business owner.

> "The updates about who is paying who that you know are kind of weird. But don’t make the program any less useful"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6769084)

BB

Bronwyn B.

Seller

> "I love being able ti leave notes on the transactions"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6871939)

SH

Shannel H.

Dispatcher

> "The fees can be a little high."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7014426)

BB

Bronwyn B.

Seller

> "I love being able ti leave notes on the transactions"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6871939)

DP

Dana P.

Admin

> "It won’t let you send without having that tilled out."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7040390)

SH

Shannel H.

Dispatcher

> "Venmo is an easy way to get paid right away if you want to have a fee, or you can wait for a few days and get your money faster"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7014426)

MM

Madison M.

Speech Language Pathology Assistant

> "I also have experiences glitches with the mobile application on various occasions."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6802796)

[View Reviews](https://www.capterra.com/p/222572/Venmo-/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)

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)

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)

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)

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)

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)

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)

Gustavo B.

Director

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

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

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)

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

[Venmo](https://www.capterra.com/p/222572/Venmo-/)

4.73 (9,279)

[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

Venmo

9/37

-   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/222572/Venmo-/#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

No recognitions have been awarded to Venmo

No recognitions have been awarded to Klarna

### Deployment & support

Venmo

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

Venmo

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

Klarna

-   By Klarna
-   Located in Sweden
-   Founded in

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4.0

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4.7

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