--- title: "Best Klarna Alternatives 2026 | Capterra" description: "Looking for alternatives to Klarna? Find out how Klarna stacks up against its competitors with real user reviews, pricing information, and what features they offer." source_url: "https://www.capterra.com/p/230509/Klarna/alternatives/" page_type: "alternatives" language: "en" publication_date: "2026-10-21" --- # Klarna alternatives Last updated on October 21st, 2026 The best Klarna alternatives are Venmo (best overall), Square Payments (best free plan), PayPal (best budget option), and Stripe (most reviewed). Together they hold 42,116 verified Capterra reviews, with overall ratings from 4.6 to 4.7 out of 5. Klarna itself holds 3.7 out of 5 across 104 reviews. ### Klarna - Rating: 3.7 out of 5 (104 reviews) - Ease of use: 4.0 out of 5 - Starting price: Not available - Key features: 6 of 12 top category features --- ## Top alternatives Klarna alternatives compared | Product | Rating difference | Ease of use | Starting price | Key features | | --- | --- | --- | --- | --- | | [NetSuite](https://www.capterra.com/p/135757/NetSuite/) — 4.2 out of 5 (2,081 reviews) | Rated 0.5 higher than this product | 4.0 out of 5 | Not available | 6 of 12 top category features | | [Adobe Commerce](https://www.capterra.com/p/227129/Magento-Commerce/) — 4.3 out of 5 (662 reviews) | Rated 0.6 higher than this product | 3.8 out of 5 | Not available | 2 of 12 top category features | | [PayPal](https://www.capterra.com/p/207944/PayPal/) — 4.6 out of 5 (26,703 reviews) | Rated 0.9 higher than this product | 4.6 out of 5 | $0.09 | 12 of 12 top category features | | [Venmo](https://www.capterra.com/p/222572/Venmo-/) — 4.7 out of 5 (9,307 reviews) | Rated 1.0 higher than this product | 4.7 out of 5 | Not available | 6 of 12 top category features | | [Stripe](https://www.capterra.com/p/123889/Stripe/) — 4.6 out of 5 (3,390 reviews) | Rated 0.9 higher than this product | 4.5 out of 5 | Not available | 11 of 12 top category features | | [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) — 4.7 out of 5 (2,716 reviews) | Rated 1.0 higher than this product | 4.7 out of 5 | Not available | 10 of 12 top category features | | [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) — 4.6 out of 5 (3,042 reviews) | Rated 0.9 higher than this product | 4.7 out of 5 | $49.00 /mo | 5 of 12 top category features | | [authorize.net](https://www.capterra.com/p/221412/authorizenet/) — 4.5 out of 5 (220 reviews) | Rated 0.8 higher than this product | 4.3 out of 5 | $25.00 /mo | 10 of 12 top category features | | [PrestaShop](https://www.capterra.com/p/134005/PrestaShop/) — 4.3 out of 5 (332 reviews) | Rated 0.6 higher than this product | 4.2 out of 5 | Not available | 3 of 12 top category features | | [Afterpay](https://www.capterra.com/p/229452/Afterpay/) — 4.6 out of 5 (309 reviews) | Rated 0.9 higher than this product | 4.7 out of 5 | Not available | 7 of 12 top category features | --- ## Top Free alternatives to Klarna The best free alternatives to Klarna are Adobe Commerce, PayPal, and Venmo — all three offer a free plan alongside paid tiers. ### [Adobe Commerce](https://www.capterra.com/p/227129/Magento-Commerce/) — 4.3 out of 5 (662 reviews) - Free options: Free trial - Starting price: Not available ### [PayPal](https://www.capterra.com/p/207944/PayPal/) — 4.6 out of 5 (26,703 reviews) - Free options: Free version - Starting price: $0.09 ### [Venmo](https://www.capterra.com/p/222572/Venmo-/) — 4.7 out of 5 (9,307 reviews) - Free options: Free version - Starting price: Not available --- ## Top alternatives for SMBs Among reviewers from companies with 1-200 employees, the highest-rated Klarna alternatives are Stripe (4.6), Square Point of Sale (4.6), and Afterpay (4.5). ### [Stripe](https://www.capterra.com/p/123889/Stripe/) - 2,076 SMB reviewers say - Overall rating: 4.6 out of 5 across 2,076 SMB reviews - Ease of use: 4.5 out of 5 across 2,072 SMB reviews > "The left navigation bar and the gear icon are really the go to spots, but sometimes it isn't the most intuitive where to find things." — Jason L., Coordinator (August 27, 2026) ### [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) - 1,787 SMB reviewers say - Overall rating: 4.6 out of 5 across 1,787 SMB reviews - Ease of use: 4.7 out of 5 across 1,780 SMB reviews > "The processing fees are a little higher than others, but me nor my customers mind at all." — Justin W., Owner Operator (April 15, 2026) ### [Afterpay](https://www.capterra.com/p/229452/Afterpay/) - 186 SMB reviewers say - Overall rating: 4.5 out of 5 across 186 SMB reviews - Ease of use: 4.6 out of 5 across 186 SMB reviews > "I like how it makes purchases more manageable by allowing customers to split payments into smaller installments instead of paying the full amount upfront." — Brooks L., Customer Service Payment Support (June 9, 2026) --- ## Find software for your specific use case ### Payment Processing - [Target Group](https://www.capterra.com/p/203272/Target-Group/) — 5.0 out of 5 (1 reviews) - [Paystand](https://www.capterra.com/p/131733/PayStand/) — 4.5 out of 5 (337 reviews) - [Finastra Global PAYplus](https://www.capterra.com/p/10035916/Finastra-Global-PAYplus/) ### Subscription Management - [Sage Intacct](https://www.capterra.com/p/76/Intacct/) — 4.3 out of 5 (718 reviews) - [ChargeOver](https://www.capterra.com/p/141294/ChargeOver/) — 4.7 out of 5 (86 reviews) - [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/) — 4.7 out of 5 (213 reviews) ### eCommerce - [Adobe Commerce](https://www.capterra.com/p/227129/Magento-Commerce/) — 4.3 out of 5 (662 reviews) - [GoDaddy POS](https://www.capterra.com/p/10021666/GoDaddy-Commerce/) — 4.8 out of 5 (8 reviews) - [Wix](https://www.capterra.com/p/169007/Wix/) — 4.4 out of 5 (10,801 reviews) ### Shopping Cart - [WP EasyCart](https://www.capterra.com/p/74194/WP-EasyCart/) — 4.6 out of 5 (14 reviews) - [PayPal](https://www.capterra.com/p/207944/PayPal/) — 4.6 out of 5 (26,703 reviews) - [WordPress](https://www.capterra.com/p/131687/WordPress/) — 4.6 out of 5 (14,999 reviews) ### B2B eCommerce Platform - [B2B Wave](https://www.capterra.com/p/133836/B2B-Wave/) — 4.9 out of 5 (52 reviews) - [Equip360](https://www.capterra.com/p/159061/GenSuite/) — 4.2 out of 5 (5 reviews) - [RepSpark](https://www.capterra.com/p/220074/RepSpark/) — 3.6 out of 5 (20 reviews) ---