--- 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" publication_date: "2026-11-03" --- # Klarna Software Review 2026: Features, Integrations, Pros & Cons Last updated on November 3, 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 104 user reviews Reviews sentiment Positive 70% 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://www.g2.com/products/klarna/claim_requests/new?auto=true) ## 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 (105) VS. [4.6 (3,392)](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 (105) Ease Of Use 4.5 (26,806) Value For Money 3.6 (90) Value For Money 4.3 (20,623) Customer Service 3.4 (88) Customer Service 4.2 (20,881) ## Klarna alternatives [4.2 (2,086)](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 (662)](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 Payments](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,828)](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 (9,309)](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 ### What problems does Klarna solve? Klarna solves cash-flow gaps for larger purchases by letting shoppers split costs into scheduled installments, defer payment, or pay early. One-time virtual cards extend flexible payment options to more online and in-store purchases, while payment tracking, reminders, and return reporting clarify what is due. Budget-conscious consumers and ecommerce merchants benefit from these options. Answer based on 89 reviews Overview ### Which roles and teams benefit most from Klarna? Klarna is most used by business owners, CEOs, and managers who offer payment options to customers while monitoring purchases and cash flow. Retail, sales, and shop teams use it to support checkout transactions, while students and individual buyers manage purchases through flexible payment schedules and order tracking. Answer based on 104 reviews Overview ### What company size and industries is Klarna built for? Klarna is primarily used by small businesses, which account for 82% of reviewers, with retail as the top industry at 9%. It also serves enterprise organizations (10%) and midsize businesses (9%), with users in health, wellness and fitness (6%) and construction (5%). Answer based on 104 reviews Features and Usability ### What are the key features of Klarna? Klarna includes mobile payments and online payments for completing purchases from a phone or at checkout, with multiple payment options and partial payments for installment schedules. It processes linked debit and credit cards, supports electronic payments, and provides data security and payment fraud prevention. Compliance Management is also included. Answer based on 26 reviews Getting Started and Support ### What training and onboarding options does Klarna offer? Klarna provides documentation for teams getting started. Documentation gives written reference material for reviewing setup steps, understanding product features, and checking guidance as needed during implementation and day-to-day use. 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 as mixed: some report responsive, helpful assistance during setup and issue resolution, while others say support can be slow, hard to reach, and frustrating when problems take days or weeks to resolve. Answer based on 8 reviews Features and Usability ### What payment methods and options does Klarna offer? Klarna offers flexible payment plans, deferred payment options, virtual one-time cards, and a physical card in eligible markets. Shoppers value the ability to spread purchase costs and manage due dates, while some report changing spending limits, frequent reminders, or added friction when returns and merchant disputes take time to resolve. Answer based on 89 reviews Features and Usability ### Is Klarna easy to use for shopping and payments? Klarna makes shopping and payment management easy for most consumers through a clear app, quick checkout flow, and visible repayment details. Small business owners also find the platform straightforward for customer purchases. Some users encounter login verification loops, redirects during approval, or difficulty reaching support when account issues arise. Answer based on 26 reviews Features and Usability ### Does Klarna help with budgeting and managing spending? Klarna helps shoppers split planned purchases into manageable payments, but it requires careful spending discipline. Budget-conscious consumers value payment reminders, flexible due dates, and less immediate pressure on cash flow. However, opening multiple plans can encourage overspending, and changing purchase power or delayed return resolutions can make budgeting less predictable. 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 17,640 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%**) - **Mobile Access** (**53%**) Klarna supports all three of the features reviewers rate most important: **Data Security**, **Online Payments**, and **Mobile Access**. Together, these capabilities help businesses process transactions safely, accept payments across digital channels, and manage activity on the go, allowing teams to improve customer convenience while maintaining secure and flexible payment operations. Data Security 4.2 (45) 55.56% of 45 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 Mobile Access 4.0 (21) 85.71% of 21 reviewers that rated this feature as important or highly important Access software remotely via mobile devices Debit/Credit Card Processing 3.9 (46) 54.35% of 46 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Payment Fraud Prevention 3.9 (39) 51.28% of 39 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 (49) 59.18% of 49 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices 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 (105) 3.9 Based on 105 reviews ## Pricing Value for money 3.6 (90) ### Starting price Free trial not available Value for money 3.6 (90) 3.6 Based on 90 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 (88) 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 (88) 3.4 Based on 88 reviews ## User reviews Overall rating 3.8 Based on 104 reviews Filter by rating Counts reflect reviews available in this feed. 5(57) 4(16) 3(4) 2(3) 1(24) Mentioned topic Recent reviews first, then most helpful RE Reviewer CEO Used the software for: 3-5 years ### "Convenient Payment Options With Room for Improvement" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 October 26, 2026 My overall experience with Klarna has been positive. I like having the option to make purchases without paying everything at once. The payment schedule is easy to follow, and the app makes it convenient to keep track of what I owe. I think Klarna is helpful as long as you stay on top of your payments and don’t take on more than you can afford. Pros What I like most about Klarna is being able to split larger purchases into smaller payments instead of paying the full amount upfront. It gives me more flexibility with my budget, especially when I have several things I need to purchase around the same time. I also like being able to see my upcoming payments and due dates in the app so I can plan ahead. Cons One thing I don’t like is that the amount you’re approved to spend isn’t always consistent. Just because you’ve been approved for a purchase before doesn’t necessarily mean you’ll be approved for another one. I also wish there were more flexibility with payment dates. 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. RE Reviewer Freelancer Used the software for: Less than 1 year ### "Comodissimo per dilazionare le spese online in 3 rate" 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 9/10 September 17, 2026 Esperienza super positiva. Ormai la uso spesso per fare acquisti online un po' più costosi (soprattutto abbigliamento e tecnologia) senza pesare troppo sul budget del singolo mese. Finché la si usa con responsabilità per dilazionare spese mirate, è un servizio impeccabile, veloce e super sicuro visto che i dati della carta sono protetti. Pros L'app è una vera salvezza per noi studenti. L'ho usata di recente per ordinare le mie nuove Asics Gel-Pulse 17 per correre e poter dividere la spesa in tre rate a tasso zero è stato fantastico, senza dover svuotare il conto in un colpo solo. L'interfaccia è semplicissima e ti avvisa sempre con una notifica un paio di giorni prima di prelevare la rata successiva, così sei sicuro di avere i fondi e non vai mai in rosso. Cons Il rischio principale è farsi prendere la mano. Essendo così facile comprare a rate con due tap, se non tieni traccia degli acquisti finisci per accumulare troppi micro-pagamenti mensili. Inoltre, l'assistenza clienti tramite bot in chat a volte è un po' lenta e macchinosa se devi gestire un reso o un rimborso con un negozio. 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. Whiteinch W. Heating Specialist Used the software for: Less than 1 year ### "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 27, 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. RE Reviewer Editor Used the software for: 3-5 years ### "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 9, 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 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. El-Hadj B. CEO Used the software for: 1-3 years ### "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 June 1, 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. 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. CK Clayton K. Clerk Two Used the software for: 1-3 years ### "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 22, 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 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. VR Verified Reviewer Student Used the software for: 3-5 years ### "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 22, 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 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. RE Reviewer Senior Manager Used the software for: 1-3 years ### "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 21, 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 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. Leo D. Embedded software test engineer Used the software for: 1-3 years ### "Klarna made shopping way too easy." 5.0 April 10, 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?” 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. RE Reviewer Seller Used the software for: 1-3 years ### "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 8, 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. [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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