# 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. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider’s website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[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 100 user reviews Reviews sentiment Positive 68% Neutral 4% Negative 28% Contact vendor for pricing 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 (100) VS. [4.2 (2,035)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.0 (100) Ease Of Use 4.0 (1,991) Value For Money 3.6 (85) Value For Money 3.9 (1,581) Customer Service 3.4 (83) Customer Service 3.8 (1,685) ## Klarna alternatives [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 [4.6 (3,335)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,395)](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 (9,281)](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/) ## 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 100 reviews 100% 75% 50% 25% Smallbusiness Midsizebusinesses Enterprise Top job functions Based on 100 reviews Administrative 29% Administrative 29% Entrepreneurs/ Owners 14% Finance & Accounting 7% Sales & Business Development 7% Others 44% Top industries Based on 100 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 (48) 54.17% of 48 reviewers that rated this feature as important or highly important Accept and process online payment transactions Mobile Payments 4.1 (47) 57.45% of 47 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices 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 Debit/Credit Card Processing 3.8 (43) 51.16% of 43 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. Electronic Payments 3.8 (33) 66.67% of 33 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 (100) 3.9 Based on 100 reviews ## Pricing Value for money 3.6 (85) ### Starting price Contact vendor for pricing Free trial not available Value for money 3.6 (85) 3.6 Based on 85 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 (83) 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 (83) 3.4 Based on 83 reviews ## User reviews Overall rating 3.7 Based on 100 reviews Filter by rating 5(53) 4(15) 3(4) 2(3) 1(25) Mentioned topic Sorted by most recent AU 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. cynthia r. Clinician Public Relations and Communications ### "Satisfied customer " 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 19, 2026 I use Klarna all the time and am always satisfied. I have made the best memories thanks to Klarna's pay later Pros Klarna allows me to make purchases for bigger items and pay them slowly. It allows me to expand on my credit also. Cons I don't always like the extra fees but it completely makes sense since they are basically letting you borrow money. 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. ALEXANDER G. Owner head photographer Photography ### "Klarna at your side " 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 9/10 March 18, 2026 Pros Well Klarna has been a great option for me on many occasions. The availability is always going to be the best part Cons I have not had many things that I can criticize Klarna about. It’s always been a great option on many occasions 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. 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)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)