# Klarna Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Klarna the right Payment Processing solution for you? Explore 100 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/230509/Klarna/reviews --- Klarna 3.7 (100) [View alternatives](https://www.capterra.com/p/230509/Klarna/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated May 15th, 2026 # Reviews of Klarna Ease of use 4.0 Customer Service 3.4 ## Pros and Cons in Reviews LD Leo D Embedded software test engineerMachinery, 501 - 1,000 employeesUsed the software for: 1-2 years. “Smooth app, flexible payments, and enough reminders to make you question your life choices.“ April 9, 2026 LJ Lyn J Senior ManagerConstruction, 2 - 10 employeesUsed the software for: 1-2 years. “The only problem I have is that Klarna allows for individuals to overspend and not use debt as an asset.“ April 18, 2026 DG Damian G CTOComputer Software, Self-employedUsed the software for: Less than 6 months. “I like how seamless the checkout integration is for my clients stores.“ March 28, 2026 Temiloluwa E StudentHealth, Wellness and Fitness, Self-employedUsed the software for: More than 2 years. “The customer support can be a bit of a headache if you have to return an item and the merchant is taking their time.“ April 21, 2026 Temiloluwa E StudentHealth, Wellness and Fitness, Self-employedUsed the software for: More than 2 years. “The app is really easy to navigate and I like that it sends me reminders before a payment is due“ April 21, 2026 BS Bill S Owner PresidentConsumer Services, 11 - 50 employeesUsed the software for: 6-12 months. “Can’t sign in can’t get to chat with anybody your phone there and they can’t help me so don’t waste your time calling there and you can’t even delete the app because you have to be able to sign in which you can’t sign in.“ April 26, 2025 CK Clayton K Clerk TwoEducation Management, 1,001 - 5,000 employeesUsed the software for: 1-2 years. “I really enjoy using Klarna as my go to for payment credit. “ April 21, 2026 MC Martin C CEOConstruction, Self-employedUsed the software for: 6-12 months. “They are dragging out procedures to avoid refunding amounts in dispute following potential fraud with Agoda.“ April 27, 2025 ## Showing most helpful reviews Showing 1-25 of 100 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use cynthia R. Clinician Public Relations and Communications Used the software for: 2+ years ### "Satisfied customer " March 19, 2026 5.0 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 LD Leo D. Embedded software test engineer Machinery Used the software for: 1-2 years ### "Klarna made shopping way too easy." April 9, 2026 5.0 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 DG Damian G. CTO Computer Software Used the software for: Less than 6 months ### "Spicy kebab" March 28, 2026 3.0 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 VR Verified Reviewer Student Health, Wellness and Fitness Used the software for: 2+ years ### "Makes shopping for big items much more affordable" April 21, 2026 5.0 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 CK Clayton K. Clerk Two Education Management Used the software for: 1-2 years ### "Klarna Review" April 21, 2026 4.0 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 MC Martin C. CEO Construction Used the software for: 6-12 months ### "Worst and worst" April 27, 2025 1.0 They are dragging out procedures to avoid refunding amounts in dispute following potential fraud with Agoda. This is the third email I've received asking for an explanation after explaining everything in a previous email and a phone call. It's over for me, and be careful in the future with companies like Klarna. Pros I have used Klarna several times because I found their service useful. I have never had any problems until now except... Cons Except now, this is where we see the real service when problems arise. I understand that Klarna is not Agoda, the company I dealt with, BUT if there was fraud, or whatever the problem, Klarna must protect me and make sure to give me service. They solved the first problem with Agoda and for the 2nd, it is very complicated and yet ... Switched from [Sezzle](https://www.capterra.com/p/195895/Sezzle/) Because you do not have a customer and claim service very high value. Any dispute is a mess Review Source AS ALFREDO S. LEAD Wholesale Used the software for: 1-2 years ### "HAPPY USING KLARNA" March 23, 2026 5.0 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 LJ Lyn J. Senior Manager Construction Used the software for: 1-2 years ### "Klarna - Review" April 18, 2026 4.0 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 KW Kayla W. HR Coordinator Child Day Care Services Used the software for: 2+ years ### "Using Klarna " April 1, 2026 4.0 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 DS Dani S. Seller Retail Used the software for: 1-2 years ### "Love Klarna " April 6, 2026 5.0 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 LS Lidia S. Casalinga Food & Beverages Used the software for: 1-2 years ### "Completo disastro" December 8, 2025 1.0 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 AB Amile B. AP Controller Retail Used the software for: 1-2 years ### "Paying Interest-free for 3 months is helpful" February 24, 2025 5.0 It has been great when you have to manage your monthly spending budget. I get to spread a costly item over 3 months. And I am able to get a luxury item because of Klarna knowing I will get it paid for 3 months only. Just making sure I am not spending on the next 2 months. So then I get to splurge myself 4 times a year. Girl math. Ha ha Pros The 3 installment or pay in 30 days option interest free is a great way to get that item you wanted that is a bit over your monthly spending budget. Paying over 3 months is helpful. Cons I think some of the shops are still not using Klarna but it’s getting there. As Klarna is becoming so popular, I wouldn’t be surprised if all of the shops will opt to use their payment platform. Review Source KM Kendall M. Owner Retail Used the software for: 1-2 years ### "Klarna for the win!" November 22, 2024 5.0 Pros It is a very helpful product. I use it for many of my everyday purchases. Cons Nothing, I believe it is perfect for those who are on a budget and need flexibilty. Review Source CP Charlie P. Clinical Effectiveness facilitator Health, Wellness and Fitness Used the software for: Less than 6 months ### "Great to use if you know you can pay back easily - dont get trapped into ordering more than you can afford. " February 21, 2025 3.0 Easy to use and recommend if you know you can easily pay off the money. But I do think people need to be careful about splitting payments if its not necessary as it does affect credit. Pros Really easy to use and available on alot of shopping experiences. Enables you to pay when you cant afford. Cons Negatively affects your credit score, easy to get into debt without realising. Review Source SF Sarah F. Owner Apparel & Fashion Used the software for: 2+ years ### "Klarna for pay in 4 payments" June 19, 2024 5.0 Overall I am pleased with Klarna for accepting payments Pros My customers love using it. They earn rewards for shopping and can spread payments into 4 payments Cons I dislike the time it takes for funds to clear into my account Review Source AB Autumn B. Designer Arts and Crafts Used the software for: 1-2 years ### "Great for making payments at a later time " May 30, 2024 5.0 I like the convenience of the software, and the option for paying later in multiple payments Pros Great for making payments at a later time. 4 interest free payments. Allows you to purchase now and pay later Cons Can’t split payments between multiple methods. The payment that’s due can’t be changed Review Source SA Sandra A. Head of accounting Internet Used the software for: 6-12 months ### "Not my favourite payment method " December 28, 2023 2.0 Pros You can reach customers you can’t reach with other payment methods Cons They give options to customers that result in disputes, for example they offer that customer can pay after receiving the product when it is not our policy. It is impossible to contact customer service. They algo give no option to answer disputes so any incident results in a loss of money for the company, encouraging fraud Review Source VR Verified Reviewer Senior Marketing Strategy Manager Entertainment Used the software for: 1-2 years ### "Best shop-now-pay-later product in Europe" January 13, 2023 5.0 Pros Very easy checkout process, good overview of purchases, generous credit limits Cons There were some log-in bugs, but they have been fixed now Review Source HS Henrik S. QA Manager Food Production Used the software for: 2+ years ### "Secure payments within a few steps." November 15, 2022 4.0 A very functional tool that feels safe to use. Pros Fast and easy way of making payments from online sites. If a website uses Klarna, it makes me more safe to make a payment. Cons Advertisement in the app is somewhat taking down the experience. Review Source MF Margarette F. center director Education Management Used the software for: 2+ years ### "Klarna is amazing!" March 22, 2022 5.0 My overall experience has been wonderful. Pros Klarna is by far my favorite of the "quad payment" apps. The transactions have always processed very smoothly, and when a vendor did not ship me the items I was supposed to receive, they 100% took care of me, and the problem! I have nothing but good things to say about this company. Cons The only thing I can think that I would like to change is being able to use this app through its website, rather than having to log in through my phone app. Review Source CJ Christopher J. Ceo Music Used the software for: 1-2 years ### "Klarna Helps!" December 4, 2023 5.0 Pros I like I can do payments and pay overtime Cons Klarna really does the job. there is a late fee but its very fair Review Source AK Andressa K. Administração Automotive Used the software for: 6-12 months ### "Installments up to 3X" April 23, 2024 5.0 I really like. I have already purchased from several stores with Klarna. Pros I really like the fact that it’s paid in installments. There are several companies and stores that already work with Klarna. So I can buy everything from cosmetics to furniture with the possibility of paying in installments. Cons The installments could be increased. Instead of 3, there are 5. Review Source sB stacey B. service writer Transportation/Trucking/Railroad Used the software for: 2+ years ### "Great functionality and ease of use" December 7, 2022 5.0 I love shopping with klarns. it's easy to use and super convenient Pros I love that i can finance everyday items when im in a pinch Cons Sometimes i don't get accepted even though i made my payments Review Source KC Kimberly C. Regional sales Manager- West Industrial Automation Used the software for: Less than 6 months ### "Klarna made shopping so much easier for me!" November 30, 2023 5.0 Awesome and easy. I will be using again for Christmas shopping! Pros Klarna allowed me to buy all my work clothes all at once and pay for them in 4 smaller payments which was very nice. Cons Nothing. It was super easy to use and they deduct the payment automatically. Review Source CM Cláudia M. EHS Engineer Automotive Used the software for: Less than 6 months ### "Pay with Klarna" February 8, 2023 4.0 It's been nice but if you don't have control, you can get caught in debts. Pros Klarna gives the possibility to buy now and pay later. I can be a good management tool. Cons If you need to antecipate a payment, the process is not very easy or userfriendly. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.