Klarna vs Affirm

Klarna9.4Visit Affirm9.3Visit

Higher score Klarna #1 in Buy Now, Pay Later Platforms 9.4/10 Pricing on request ✓ 1 of 1 features Visit Klarna

vs

Affirm #2 in Buy Now, Pay Later Platforms 9.3/10 Pricing on request Free plan✓ 1 of 1 features Visit Affirm

• Klarna fits best

  Global omnichannel merchants

• Affirm fits best

  Merchants needing flexible financing

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Side by side

Feature	Klarna 9.4/10 Visit ↗	Affirm 9.3/10 Visit ↗
At a glance
Editor score	9.4	9.3
Ranking	#1 in Buy Now, Pay Later Platforms	#2 in Buy Now, Pay Later Platforms
Best for	Global omnichannel merchants	Merchants needing flexible financing
Pricing model	Paid	Paid
Starting price	Pricing on request	Pricing on request
Free plan	Not checked yet	✓ (best)
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile, Browser extension
Platforms	Web, iOS, Android	Web, iOS, Android, Chrome extension
Integrations	6 integrations	15 integrations
Features Klarna 1/1 · Affirm 1/1
Merchant dashboard	✓	✓
Specs
Checkout channels	Omnichannel	Omnichannel
Repayment terms	Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available	4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments
Merchant platforms	Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce	Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion
Merchant settlement	Scheduled	Not checked yet
Consumer regions	Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, United Kingdom, United States	United States, Canada, United Kingdom
Our review
Pros	Supports online, mobile-app, and in-store payment acceptance Offers pay-now, pay-later, installment, and financing options Provides API, platform integrations, settlement, and dispute tools	Pay in 4 plus installment terms extending up to 36 months Omnichannel support spans online checkout, stores, telesales, and APIs Integrates with 15 listed ecommerce platforms and includes a merchant portal
Cons	Merchant pricing is contract-based rather than publicly listed Payment methods and consumer eligibility vary by country Settlement timing is defined by the merchant agreement	Merchant pricing is customized and requires contacting sales Settlement timing varies by integration and payment method Consumer coverage is limited to the United States, Canada, and United Kingdom
Our verdict	Klarna provides payment and buy-now-pay-later services for ecommerce, mobile applications, and physical stores. It is designed for merchants that want to offer pay-now, pay-later, pay-in-parts, and financing options across multiple… Read the review →	Affirm is a buy now, pay later platform for merchants and consumers. It supports Pay in 4 interest-free payments every two weeks, as well as installment financing with terms from 6 weeks to 36 months. Merchants can offer payment options… Read the review →

Strengths and trade-offs

• Klarna — where it wins

  • Supports online, mobile-app, and in-store payment acceptance
  • Offers pay-now, pay-later, installment, and financing options
  • Provides API, platform integrations, settlement, and dispute tools

  Where it doesn't

  • Merchant pricing is contract-based rather than publicly listed
  • Payment methods and consumer eligibility vary by country
  • Settlement timing is defined by the merchant agreement

• Affirm — where it wins

  • Pay in 4 plus installment terms extending up to 36 months
  • Omnichannel support spans online checkout, stores, telesales, and APIs
  • Integrates with 15 listed ecommerce platforms and includes a merchant portal

  Where it doesn't

  • Merchant pricing is customized and requires contacting sales
  • Settlement timing varies by integration and payment method
  • Consumer coverage is limited to the United States, Canada, and United Kingdom

• Klarna9.4/10 · Pricing on request

  A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.

  Visit KlarnaFull verdict →
• Affirm9.3/10 · Pricing on request

  A flexible BNPL option for merchants needing online, in-store, and longer-term financing.

  Visit AffirmFull verdict →