Klarna vs Oney

Klarna9.4Visit Oney9.0Visit

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

vs

Oney #5 in Buy Now, Pay Later Platforms 9.0/10 Free plan · pricing on request Free plan✓ 1 of 1 features Visit Oney

• Klarna fits best

  Global omnichannel merchants

• Oney fits best

  Established European merchants

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Side by side

Feature	Klarna 9.4/10 Visit ↗	Oney 9.0/10 Visit ↗
At a glance
Editor score	9.4	9.0
Ranking	#1 in Buy Now, Pay Later Platforms	#5 in Buy Now, Pay Later Platforms
Best for	Global omnichannel merchants	Established European merchants
Pricing model	Paid	Free plan + paid
Starting price	Pricing on request	Free plan · pricing on request
Free plan	Not checked yet	✓ (best)
Free trial	—	—
Deployment	Cloud, Mobile	Cloud
Platforms	Web, iOS, Android	Web
Integrations	6 integrations	6 integrations
Features Klarna 1/1 · Oney 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	3, 4, 6, 10, and 12 installments; financing up to 60 months
Merchant platforms	Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce	PrestaShop, Magento 2, Salesforce
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	France, Italy, Portugal, Spain, Romania, Belgium, Netherlands, Germany
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	Supports installment, deferred payment, and financing terms up to 60 months Connects web, mobile, and in-store payment journeys Includes fraud, non-payment protection, reporting, and reconciliation
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 uses a contact-sales model Platform integrations focus on PrestaShop, Magento 2, and Salesforce Availability and terms vary by market and partnership
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 →	Oney is a European bank and merchant-financing provider for businesses that want to offer buy now, pay later, installment, deferred, and longer-term financing options. Its payment journeys cover web, mobile, and in-store channels, making… 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

• Oney — where it wins

  • Supports installment, deferred payment, and financing terms up to 60 months
  • Connects web, mobile, and in-store payment journeys
  • Includes fraud, non-payment protection, reporting, and reconciliation

  Where it doesn't

  • Merchant pricing uses a contact-sales model
  • Platform integrations focus on PrestaShop, Magento 2, and Salesforce
  • Availability and terms vary by market and partnership

• Klarna9.4/10 · Pricing on request

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

  Visit KlarnaFull verdict →
• Oney9.0/10 · Free plan · pricing on request

  A European BNPL provider for merchants needing omnichannel financing options.

  Visit OneyFull verdict →