# Klarna Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Klarna Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/230509/Klarna --- # Klarna Software Review 2026: Features, Integrations, Pros & Cons Last updated on May 15, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Klarna ## What is Klarna? Payment processing platform for businesses to manage customers' checkout experiences using marketing banners, on-site messages and more ## What is Klarna used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Shopping Cart](https://www.capterra.com/shopping-cart-software/)[eCommerce](https://www.capterra.com/ecommerce-software/) Top alternative Featured Overall rating Based on 102 user reviews Reviews sentiment Positive 69% Neutral 4% Negative 27% ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Klarna?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.klarna.com&name=Klarna) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Klarna 3.7 (102) VS. [4.6 (3,354)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.0 (102) Ease Of Use 4.5 (26,482) Value For Money 3.6 (87) Value For Money 4.3 (20,330) Customer Service 3.4 (85) Customer Service 4.2 (20,586) ## Klarna alternatives [4.2 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.3 (658)](https://www.capterra.com/p/227129/Magento-Commerce/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 87% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,296)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/222572/Venmo-/) [View all alternatives](https://www.capterra.com/p/230509/Klarna/alternatives/) ## FAQs about Klarna Overview ### Which roles and teams benefit most from Klarna? Klarna is most used by business owners, CEOs, and executives who want to increase checkout conversion and give customers flexible payment options. Finance and administrative teams use it to streamline payment processing and reconciliation, while managers, business development staff, and independent professionals support smoother purchasing, budgeting, and customer payment experiences. Answer based on 101 reviews Overview ### What company size and industries is Klarna built for? Klarna is built mainly for small businesses, which make up 81% of reviewers, with retail as the top industry at 9%. It also serves enterprise companies at 10% and midsize businesses at 9%, with additional adoption in health, wellness and fitness at 6% and construction at 5%. Answer based on 101 reviews Features and Usability ### What are the key features of Klarna? Klarna includes core payment features like buy now, pay later plans, multiple payment options, online payments, and payment reminders. Differentiating features include one-time virtual cards, mobile app access, refund and return handling, fraud detection, and integrations with online stores to support checkout and payment processing. Answer based on 88 reviews Pricing ### What payment options does Klarna offer? Klarna offers flexible payment methods that make larger purchases easier to spread out over time. Many shoppers like interest-free installment plans, pay later options, virtual one-time cards, and in-store payments, while some mention changing approval amounts, extra reminders, and slower help when returns or merchant disputes affect payment timing. Answer based on 88 reviews Integrations ### Which third-party tools and platforms does Klarna integrate with? Klarna integrates with Shopify and WooCommerce for ecommerce checkout and installment payments. These platform integrations cover common storefront setups, with Shopify appearing most often in the available catalog data and WooCommerce supported through a plugin-based connection. Answer based on 8 reviews Getting Started and Support ### What training and onboarding options does Klarna offer? Klarna provides documentation to help teams get started. This format supports self-paced reference for setup, feature review, and step-by-step guidance when users need written instructions during onboarding or later use. Getting Started and Support ### What customer support options does Klarna offer? Klarna offers FAQ/forum resources, a knowledge base, and 24/7 live rep support. User feedback is mixed: some describe quick help and smooth onboarding, while others report slow responses, hard-to-reach agents, and unresolved problems when issues are urgent or complex. Answer based on 8 reviews Features and Usability ### Is Klarna easy to use? Klarna feels easy to use for most shoppers, with a clear app, guided checkout, and simple payment tracking. Individual buyers and small business owners often like the straightforward setup, fast decisions, and visible loan details, though some run into sign-in loops, verification friction, or unclear communication during disputes and support cases. Answer based on 24 reviews Features and Usability ### Does Klarna help with budgeting? Klarna helps some shoppers manage cash flow by splitting purchases into smaller payments, but it can also encourage overspending. Budget-conscious buyers often like due-date reminders and short-term installment plans for essentials or larger items, while others find shifting spending limits, refunds, and unresolved disputes make financial planning harder. Answer based on 19 reviews ## Who uses Klarna? Based on Capterra reviews from the past 5 years Talk to a software expert to get a free software list tailored to your business needs Company size Based on 102 reviews 100% 75% 50% 25% Smallbusiness Midsizebusinesses Enterprise Top job functions Based on 102 reviews Administrative 31% Administrative 31% Entrepreneurs/ Owners 13% Finance & Accounting 7% Sales & Business Development 7% Others 43% Top industries Based on 102 reviews Retail 33% Health, Wellness and Fitness 22% Construction 19% Consumer Services 15% Other 11% ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Online Payments 4.3 (49) 55.10% of 49 reviewers that rated this feature as important or highly important Accept and process online payment transactions Mobile Payments 4.1 (48) 58.33% of 48 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Debit/Credit Card Processing 3.8 (44) 52.27% of 44 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Data Security 4.1 (43) 53.49% of 43 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Payment Fraud Prevention 3.9 (38) 50.00% of 38 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Electronic Payments 3.8 (34) 67.65% of 34 reviewers that rated this feature as important or highly important Electronically collect payments for goods or services Klarna 17 features Accept and process credit card transactions Add customized logos and colors to align with company branding Protect sensitive data for digital privacy Accept and process credit/debit card transactions Electronically collect payments for goods or services Access software remotely via mobile devices Clients can submit payments via mobile devices Coordinate marketing efforts across channels (email, landing pages, social media, etc.) Manage and handle various international currencies Process payments via multiple modes directly through the application Accept and process online payment transactions Allow customers to make a partial payment on an invoice and track remaining debt Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Offers multiple online payment options such as credit card, Paypal, gift cards, mobile payments, and more Timed notification for any upcoming task, deadline, appointment, or activity View and track pertinent metrics to find patterns and gain insights from data Set up connections to third-party platforms to improve business processes Get Advice We can help you find the software with the features you need. Features 3.9 (102) 3.9 Based on 102 reviews ## Pricing Value for money 3.6 (87) ### Starting price Free trial not available Value for money 3.6 (87) 3.6 Based on 87 reviews 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. ## Support, customer service and training options Customer Service 3.4 (85) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 3.4 (85) 3.4 Based on 85 reviews ## User reviews Overall rating 3.7 Based on 102 reviews Filter by rating 5(55) 4(15) 3(4) 2(3) 1(25) Mentioned topic Sorted by most recent BT Brianna T. Editor Writing and Editing ### "A good option to give your customers flexibility with payment " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 6/10 June 8, 2026 Pros Makes it easy for customers to choose higher-cost options because they can spread their payments out over time. Cons Klarna applications take off the page and require you to go to a different page to verify information/process the application. This can be distracting for users. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. El-Hadj B. CEO Consumer Services ### "Number 1 of the pay in 4" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 May 27, 2026 Out out all pay in 4 options, and I’ve tried them ALL. Klarna is the easiest to use, and has the best terms in my opinion. Pros I like that they are essentially a credit card with much better terms. As a person with no so perfect credit, being able to make purchases without a 25% + apr looming over it, is an incredible option. Cons Fluctuating initial deposit amounts on similar amounts funded. The app sometimes fails to display available credit. Switched from [Affirm](https://www.capterra.com/p/218694/Affirm/) Klarna seems to have more availability across the net Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User Student Health, Wellness and Fitness ### "Makes shopping for big items much more affordable" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 April 21, 2026 Overall i have had a great experience using klarna for my online shopping. Its been super helpful for breaking up the cost of clothes or electronics into smaller chunks that fit my budget better. The app is really easy to navigate and I like that it sends me reminders before a payment is due so I dont accidentally miss one. It definitely makes me feel more in control of my spending as long as I dont overdo it with too many orders at once. Pros The best thing about klarna is the pay in 4 option because it makes bigger purchases feel way more manageable without having to pay interest like a credit card. I also really like the browser extension and the app interface because it lets you create a one time ghost card to shop basically anywhere even if the store doesnt officially partner with them. It makes the whole shopping experience feel a lot more modern. Cons The customer support can be a bit of a headache if you have to return an item and the merchant is taking their time. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CK Clayton K. Clerk Two Education Management ### "Klarna Review" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 April 21, 2026 I really enjoy using Klarna as my go to for payment credit. It's easy, straight forward, and has all the information you need readily available. Pros Easy to request credit and see the entirety of the loan details instantly. It also makes repayment much easier. Cons There are too many notifications and reminders that I can't seem to turn off. One per loan would be sufficient, but I get several for each loan. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. LJ Lyn J. Senior Manager Construction ### "Klarna - Review" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 7/10 April 18, 2026 Overall i have had a very positive experience with Klarna, the flexible payments have made it easier to manage my cash flow. Additionally the ability to clear down the account with ease is also a positive. Pros The most likable aspect of Klarna is the easy to use moblie app, additionally a variety of payment terms allows for flexible cash flow management. Cons The only problem I have is that Klarna allows for individuals to overspend and not use debt as an asset. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. LD Leo D. Embedded software test engineer Machinery ### "Klarna made shopping way too easy." 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 9/10 April 9, 2026 Overall? Klarna is like a cheeky mate who buys you drinks you can’t afford – thrilling, a bit stressful, but oddly satisfying. Smooth app, flexible payments, and enough reminders to make you question your life choices. Would I do it again? Probably… with a stiff drink in hand. Pros Oh, where to start… I get to spend money I don’t have now and panic about it later. Brilliant app, easy payments, and somehow they make debt feel… fun. Cheers, Klarna! Cons Well, my bank account didn’t exactly throw me a party. Also, being reminded I owe money when I’ve conveniently forgotten… super fun. Oh, and late fees – because who doesn’t love a surprise bill?” Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Switched from PayPal because Klarna lets me buy now and stress about paying later – a much more thrilling experience, really Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. DS Dani S. Seller Retail ### "Love Klarna " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 April 6, 2026 My overall experience with Klarna has been nothing short of great. It is so easy to use and so reliable. Pros What I like most about Klarna is how reliable it is, how easy it is to use, and how quick it is to sign up. Cons Honestly I can't think of one thing I like the least about Klarna, because it is a great app to use. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. KW Kayla W. HR Coordinator Child Day Care Services ### "Using Klarna " 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 April 1, 2026 Good, I do not have any complaints. They send email reminders which is a useful and helpful tool to have Pros The flexibility of being able to pay back shopping over a certain amount of time. It helps ease stress Cons That you have to log in to claim your refund, I dont believe that it used to be like that before. The refund should just be automatic Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. DG Damian G. CTO Computer Software ### "Spicy kebab" 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 0.0 0.0 Likelihood to Recommend 5/10 March 28, 2026 Pros I like how seamless the checkout integration is for my clients stores. The buy now pay later option really helps with conversion rates and customers love the flexibility. Cons The merchant fees can add up quickly especially for smaller businesses making it not worth effort putting integration with it. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AS ALFREDO S. LEAD Wholesale ### "HAPPY USING KLARNA" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 23, 2026 The payment processing is great and understanding. The interest is super low, much lower than a credit card. cybersecurity super important. Pros I like the app on my phone, super easy to use, excellent customer service. I love that it has payment methods and makes it easy to do your shopping. Cons I like everything, I can't say anything negative. Delighted with the system and the customer service. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/230509/Klarna/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [PayPal vs Klarna](https://www.capterra.com/compare/207944-230509/PayPal-vs-Klarna)[Venmo vs Klarna](https://www.capterra.com/compare/222572-230509/Venmo--vs-Klarna)[Stripe vs Klarna](https://www.capterra.com/compare/123889-230509/Stripe-vs-Klarna) [Square Payments vs Klarna](https://www.capterra.com/compare/170278-230509/Square-Payments-Processing-vs-Klarna)[NetSuite vs Klarna](https://www.capterra.com/compare/135757-230509/NetSuite-vs-Klarna)[Afterpay vs Klarna](https://www.capterra.com/compare/229452-230509/Afterpay-vs-Klarna)