# 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/pricing

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# 

 Klarna Software Review 2026: Features, Integrations, Pros & Cons

Last updated on March 30, 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)[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 94 user reviews

Reviews sentiment

Positive

66%

Neutral

4%

Negative

30%

Contact vendor  
for pricing

Free trial  
not available

Capterra Shortlist charts the highest-rated and most popular products...

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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

3.6 (94)

VS.

[4.6 (3,304)](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

3.9 (94)

Ease Of Use

4.5 (26,258)

Value For Money

3.5 (79)

Value For Money

4.4 (20,120)

Customer Service

3.3 (78)

Customer Service

4.2 (20,377)

## Klarna alternatives

[4.2 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/)

Starting price

Contact vendor for pricing

[4.3 (655)](https://www.capterra.com/p/227129/Magento-Commerce/reviews/)

Starting price

Contact vendor for pricing

[PayPal](https://www.capterra.com/p/207944/PayPal/)

[4.6 (26,280)](https://www.capterra.com/p/207944/PayPal/reviews/)

Starting price

$0.29

Per User, Per Month

[Learn More](https://www.capterra.com/p/207944/PayPal/)

Highest Rated

[Venmo](https://www.capterra.com/p/222572/Venmo-/)

[4.7 (9,270)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Starting price

Contact vendor for pricing

[Learn More](https://www.capterra.com/p/222572/Venmo-/)

[View all alternatives](https://www.capterra.com/p/230509/Klarna/alternatives/)

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

Mobile Payments

4.0 (45)

55.56% of 45 reviewers that rated this feature as important or highly important

Clients can submit payments via mobile devices

Online Payments

4.2 (45)

51.11% of 45 reviewers that rated this feature as important or highly important

Accept and process online payment transactions

Debit/Credit Card Processing

3.8 (42)

50.00% of 42 reviewers that rated this feature as important or highly important

Accept and process credit/debit card transactions

Data Security

4.1 (41)

51.22% of 41 reviewers that rated this feature as important or highly important

Protect sensitive data for digital privacy

Payment Fraud Prevention

3.9 (37)

48.65% of 37 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

3.6 (30)

63.33% of 30 reviewers that rated this feature as important or highly important

Electronically collect payments for goods or services

Klarna 16 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

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

3.8 (94)

3.8

Based on 94 reviews

## Pricing

Value for money

3.5 (79)

### Starting price

Contact vendor  
for pricing

Free trial  
not available

Value for money

3.5 (79)

3.5

Based on 79 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

3.3 (78)

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

3.3 (78)

3.3

Based on 78 reviews

## User reviews

Overall rating

3.6

Based on 94 reviews

Filter by rating

5(50)

4(12)

3(4)

2(3)

1(25)

Mentioned topic

Sorted by most recent

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.

Davide F.

Tecnico Informatico

Public Policy

### "Fraziona le tue spese"

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

March 6, 2026

Uso Klarna da circa due anni e onestamente è diventata una di quelle app che apro quasi ogni settimana. Il motivo principale? Le 3 rate senza interessi. Quando vedo qualcosa che voglio, invece di svuotare il conto in un colpo, pago 60€ ora e 60€ tra un mese e il resto dopo due mesi. Psicologicamente fa un'enorme differenza — non è debito, è flusso di cassa personale. La One-Time Card è la feature che uso di più: genero una carta virtuale al volo, la uso su qualsiasi sito, e Klarna copre il pagamento. Ho comprato su store che non supportano Klarna nativamente e funziona lo stesso. L'unica volta che mi sono innervosito è stata con un reso complicato: il venditore era lento, Klarna continuava a mandarmi reminder di pagamento e il supporto via chat ci ha messo qualche giorno a bloccare la rata. Alla fine si è risolto, ma lì ho capito che Klarna non è una banca tradizionale con tutele forti — sei in parte esposto alla qualità del venditore. In sintesi: se sei organizzato, sai quello che spendi e usi le rate come strumento e non come stampella, Klarna è uno strumento potente. Se invece tendi a perdere il controllo della spesa, il rischio è che ti ritrovi con 4-5 piani di pagamento aperti e un mal di testa mensile.

Pros

1- Pagamento senza interessi in 3 rate: è la funzionalità distintiva di Klarna e l'applicazione è davvero ben fatta per gestirli come e quando vuoi, con la possibilità di spostarle le rate o pagarle in anticipo se vuoi 2- Puoi creare Carte usa e getta (virtuale), questo aumenta la sicurezza 3- Convenzioni/sconti di tantissimi partner e possibilità di cashback, che può essere messo anche nel "salvadanaio" che ti permette di generare rendimenti; Il prodotto che stai restituendo può essere segnalato a Klarna tramite l'app, che sospenderà il pagamento fino alla ricezione del reso. Klarna ha una politica di protezione antifrode zero; eventuali addebiti non autorizzati possono essere elaborati tramite questo programma. 4-L'app include una funzionalità per il tracciamento integrato della spedizione, infatti puoi ricevere aggiornamenti in tempo reale sulle consegne, sugli orari di arrivo e sulle foto del ritiro tutto nella stessa app di klarna

Cons

1\. Servizio clienti lento e frustrante Nonostante il passaggio a un modello ibrido AI + umano, il servizio clienti resta lento e difficile da contattare, infatti i tempi per risolvere problemi urgenti possono essere di diversi giorni e non sempre riesci a risolvere il problema, spero che possono migliorare su questo. Per il resto, è ottima

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.

EJ

Ethan J.

Auditor

Accounting

### "Klarna - Cash flow enhancer"

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

February 28, 2026

Overall my experience with Klarna has been very positive, allowing me to enhance my cash flow and manage payments.

Pros

Klarna allows for enhanced cash flow management and excellent payment processing and management. Klarna additionally has easily contactable customer support.

Cons

Klarna when used within businesses allows for better cash flow management, however when used with individuals it takes advantage of their debts.

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.

HW

Hannah W.

Tax Accountant

Accounting

### "Great product"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

0.0

0.0

Likelihood to Recommend

10/10

January 21, 2026

My overall experience with Klarna has been great! It makes me feel secure when shopping and I love how easy it is to use!

Pros

Klarna is a great way to shop securely and space out payments! It is easy to use and I have never had any issues with it!

Cons

Klarna is problem free! I never experience issues using it and I would recommend it over all other products like 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.

LS

Lidia S.

Casalinga

Food & Beverages

### "Completo disastro"

1.0

Overall Rating

1.0

1.0

Ease of Use

1.0

1.0

Features

1.0

1.0

Customer Service

1.0

1.0

Likelihood to Recommend

0/10

December 8, 2025

La utilizzo principalmente per memorizzare carte fedeltà da utilizzare nei vari negozi. Al momento del pagamento quando devo aprire l'app per presentare la carta fedelta, si apre in modo lentissimo e ti chiede mille autorizzazioni e configurazioni prima di farti visualizzare la carta. Un disastro....esasperata l'ho tolta

Pros

Purtroppo non mi è piaciuto niente....confidavo in questa app, ma è stato un disastro e dopo patecchio tempo ho dovuto disinstallarla

Cons

Lentissima ad aprirsi. Chiedono in continuazione configurazioni prima di farti visualizzare le carte fedeltà memorizzate

Switched from

[Stocard](https://www.capterra.com/p/234213/Stocard/)

Mi hanno obbligato a cambiare r reindirizzato a Klarna

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.

RD

Robert D.

Ceo

Recreational Facilities and Services

### "Klarna is Great"

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

October 27, 2025

My overall experience with Klarna is great it has helped me purchase things on a budget with the option to choose payment dates to help fit my finances

Pros

I like that you can use Klarna almost as a credit card, if you need to purchase something and don’t want to pay in full you can choose a payment plan to help suite your finances, it is very easy to use it explains everything right on screen, the payment processing is quick and easy process, you can subscribe to get a hard copy of the Klarna card where you can use as a debit or kind of like a credit card, you can plan a purchase and use the card at any store that it’s accepted it took me a couple minutes to learn how this app works, and customer support is great I haven’t really had any problems since using the app, the advertising they do to help you purchase from company’s that support the app is great they offer cash back and some discounts also & they offer to reschedule a payment if you can’t make it at the selected date this is a great app i haven’t had a problem yet, 10/10 service

Cons

There’s not many cons I really experienced on this app yet it all seems reasonable and a very helpful tool to use to balance out finances for big purchases

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.

SS

Sylvain S.

CEO

Entertainment

### "Simple, rapide et super pratique pour les paiements en plusieurs fois !"

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

October 19, 2025

Mon expérience avec Klarna est très positive. C’est un service fiable, pratique et moderne qui facilite la gestion de mes achats. Je l’utilise régulièrement sans aucun souci, et j’aime la liberté qu’il offre pour planifier mes paiements. Je recommande vivement à ceux qui veulent une solution flexible.

Pros

La facilité d’utilisation, la clarté du suivi des paiements et les rappels automatiques. L’application est intuitive. J’apprécie aussi la rapidité de validation et la possibilité de payer plus tard sans frais cachés.

Cons

Parfois, certaines boutiques partenaires ne sont pas encore bien intégrées et cela est bien dommage.

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/)

Popular comparisons

[PayPal vs Klarna](https://www.capterra.com/compare/207944-230509/PayPal-vs-Klarna)[Stripe vs Klarna](https://www.capterra.com/compare/123889-230509/Stripe-vs-Klarna)

[Afterpay vs Klarna](https://www.capterra.com/compare/229452-230509/Afterpay-vs-Klarna) 

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