--- title: "Klarna Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Klarna Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/230509/Klarna/" page_type: "product" language: "en" --- # Klarna Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 26, 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 103 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 (103) VS. [4.6 (3,374)](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 (103) Ease Of Use 4.5 (26,596) Value For Money 3.6 (88) Value For Money 4.3 (20,438) Customer Service 3.4 (86) Customer Service 4.2 (20,695) ## Klarna alternatives [4.2 (2,067)](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 (661)](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 (26,618)](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 (9,304)](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 managers who need flexible payment options to support online sales and improve checkout conversion. Administrative and finance-oriented roles use it to simplify purchase tracking and budgeting, while students and individual buyers value installment payments for managing personal spending. Answer based on 102 reviews Overview ### What company size and industries is Klarna built for? Klarna is built primarily for small businesses, which make up 81% of reviewers, with retail as the top industry at 9%. It also sees use among enterprises at 10% and midsize businesses at 9%, with additional adoption in health, wellness and fitness at 6% and construction at 5%. Answer based on 102 reviews Features and Usability ### What are the key features of Klarna? Klarna includes core payment features like buy now, pay later installment plans, pay-in-30-days, and online payment processing. Differentiating features include one-time virtual cards, mobile app payment management, automatic reminders, and refund holds during returns. Reviewers also frequently mention flexible payment scheduling, easy checkout, and fraud protection. Answer based on 89 reviews Pricing ### What payment options does Klarna offer? Klarna offers flexible payment methods that make larger purchases easier to spread out and manage. Shoppers often use pay later plans, installment payments, one-time virtual cards, and in-store options, while some users note approval changes, return-related billing issues, and overspending risk if multiple payment plans stay open. Answer based on 89 reviews Integrations ### Which third-party tools and platforms does Klarna integrate with? Klarna integrates with Shopify and WooCommerce for ecommerce checkout and payment workflows. These platforms cover the main third-party connections mentioned for Klarna, with Shopify appearing most often and WooCommerce supporting installment-payment setup through a plugin. 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 written material offers self-paced reference for learning available features, reviewing setup steps, and checking product details as needed. Getting Started and Support ### What customer support options does Klarna offer? Klarna provides FAQ/Forum, a Knowledge Base, and 24/7 Live Rep support. Users describe the help center as useful for setup and basic questions, while experiences with live help are mixed, with some reporting quick assistance and others saying issue resolution can be slow or difficult. Answer based on 8 reviews Features and Usability ### Is Klarna easy to use? Klarna keeps buying now and paying later simple with a clear app, guided checkout, and easy payment tracking. Many shoppers and small business users find the interface intuitive and quick to learn, though some mention sign-in friction, repeated verification codes, and dispute handling that can feel confusing or slow. Answer based on 26 reviews Features and Usability ### Does Klarna help with budgeting? Klarna helps with short-term cash flow by splitting purchases into smaller payments, but it can also make overspending easier. Budget-conscious shoppers like the reminders and payment scheduling for essentials or bigger items, while others run into changing purchase limits, refund delays, or added stress when several plans overlap. 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 ## Features AI summary Based on 17,379 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) Klarna supports all three features that reviewers rate most highly: **Data Security**, **Online Payments**, and **Debit/Credit Card Processing**. Together, these capabilities help businesses protect transaction information, accept payments through digital channels, and process card payments efficiently, allowing teams to deliver a secure and convenient checkout experience. Data Security 4.2 (44) 54.55% of 44 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 4.3 (50) 56.00% of 50 reviewers that rated this feature as important or highly important Accept and process online payment transactions Debit/Credit Card Processing 3.9 (45) 53.33% of 45 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions 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. 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 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 19 features ### All Features - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Credit Card Processing: Accept and process credit card transactions - Customizable Branding: Add customized logos and colors to align with company branding - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Payments: Electronically collect payments for goods or services - Fraud Detection: Identify and prevent suspicious activity - Mobile Access: Access software remotely via mobile devices - Mobile Payments: Clients can submit payments via mobile devices - Multi-Channel Marketing: Coordinate marketing efforts across channels (email, landing pages, social media, etc.) - Multi-Currency: Manage and handle various international currencies - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Payments: Accept and process online payment transactions - Partial Payments: Allow customers to make a partial payment on an invoice and track remaining debt - Payment Fraud Prevention: Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. - Payment Options: Offers multiple online payment options such as credit card, Paypal, gift cards, mobile payments, and more - Reminders: Timed notification for any upcoming task, deadline, appointment, or activity - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Third-Party Integrations: 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 (103) 3.9 Based on 103 reviews ## Pricing Value for money 3.6 (88) ### Starting price Free trial not available Value for money 3.6 (88) 3.6 Based on 88 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 (86) 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 (86) 3.4 Based on 86 reviews ## User reviews Overall rating 3.7 Based on 103 reviews Filter by rating 5(56) 4(15) 3(4) 2(3) 1(25) Mentioned topic Sorted by most recent JP Jamie P. Heating Specialist Building Materials ### "A new way to pay" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 7/10 July 25, 2026 My overall experience with Klarna has been very positive. The platform is easy to use, offers flexible payment options, and makes managing purchases straightforward through its well-designed app. Payment schedules are clearly displayed, reminders help avoid missed instalments, and the checkout process is quick across a wide range of retailers. Security and account management are strong, giving confidence when making purchases. While customer support can sometimes take longer during busy periods and payment options vary by retailer, Klarna provides a convenient and reliable way to spread the cost of purchases when used responsibly. Pros Klarna offers a smooth, user-friendly checkout experience with flexible payment options that make it easier to manage purchases. The app is intuitive, provides clear payment schedules and reminders, and integrates with a wide range of retailers. Security features and purchase tracking add confidence, while account management is straightforward. The service is generally transparent about fees when payments are made on time, making it a convenient option for budgeting larger purchases. Cons Late payment fees and missed instalments can add up quickly if you're not careful, so it's important to keep track of payment dates. Customer support response times can sometimes be slower during busy periods, and resolving disputes with retailers may take longer than expected. While the app is easy to use, the availability of payment options can vary between retailers, which can occasionally be confusing. 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. 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. [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. 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