Klarna vs Afterpay

Klarna9.4Visit Afterpay9.2Visit

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

vs

Afterpay #3 in Buy Now, Pay Later Platforms 9.2/10 Pricing on request Free plan✓ 1 of 1 features Visit Afterpay

• Klarna fits best

  Global omnichannel merchants

• Afterpay fits best

  Five-market omnichannel retailers

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Side by side

Feature	Klarna 9.4/10 Visit ↗	Afterpay 9.2/10 Visit ↗
At a glance
Editor score	9.4	9.2
Ranking	#1 in Buy Now, Pay Later Platforms	#3 in Buy Now, Pay Later Platforms
Best for	Global omnichannel merchants	Five-market omnichannel retailers
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
Platforms	Web, iOS, Android	Web, iOS, Android
Integrations	6 integrations	4 integrations
Features Klarna 1/1 · Afterpay 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	Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months
Merchant platforms	Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce	Square, Magento, Shopify, WooCommerce
Merchant settlement	Scheduled	Scheduled
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	Australia, Canada, New Zealand, United Kingdom, United States
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 3-, 6-, 12-, and 24-month terms Online and in-store payments across five supported markets Business Hub includes disputes, integrations, plugins, and reports
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 requires contacting sales Verified integrations focus on four merchant platforms Eligibility and repayment terms vary by region
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 →	Afterpay is a buy now, pay later platform for merchants and consumers, supporting online checkout financing and in-store payments. Merchants can offer Pay in 4 over six weeks or longer monthly repayment options of 3, 6, 12, or 24 months in… 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

• Afterpay — where it wins

  • Pay in 4 plus 3-, 6-, 12-, and 24-month terms
  • Online and in-store payments across five supported markets
  • Business Hub includes disputes, integrations, plugins, and reports

  Where it doesn't

  • Merchant pricing requires contacting sales
  • Verified integrations focus on four merchant platforms
  • Eligibility and repayment terms vary by region

• Klarna9.4/10 · Pricing on request

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

  Visit KlarnaFull verdict →
• Afterpay9.2/10 · Pricing on request

  An omnichannel BNPL platform with flexible repayment terms and merchant reporting.

  Visit AfterpayFull verdict →