Klarna vs Splitit

Klarna9.4Visit Splitit8.9Visit

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

vs

Splitit #6 in Buy Now, Pay Later Platforms 8.9/10 Pricing on request ✓ 1 of 1 features Visit Splitit

• Klarna fits best

  Global omnichannel merchants

• Splitit fits best

  White-label card-linked installments

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature	Klarna 9.4/10 Visit ↗	Splitit 8.9/10 Visit ↗
At a glance
Editor score	9.4	8.9
Ranking	#1 in Buy Now, Pay Later Platforms	#6 in Buy Now, Pay Later Platforms
Best for	Global omnichannel merchants	White-label card-linked installments
Pricing model	Paid	Paid
Starting price	Pricing on request	—
Free plan	Not checked yet	Not checked yet
Free trial	—	—
Deployment	Cloud, Mobile	Cloud
Platforms	Web, iOS, Android	Web
Integrations	6 integrations	7 integrations
Features Klarna 1/1 · Splitit 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	monthly; biweekly; partial installments; pay after delivery; up to 12 installments
Merchant platforms	Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce	BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud
Merchant settlement	Scheduled	Next day
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	100+ countries
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	Uses shoppers’ existing credit cards for installment plans Supports online, in-store, phone, and payment-link checkout Offers white-label checkout and next-day merchant settlement
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	Requires consumers to have a credit card Plan pricing requires a sales contact Core merchant settlement timing may differ
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 →	Splitit is a buy now, pay later platform for merchants that want to offer installments through shoppers’ existing credit cards. It supports monthly and biweekly schedules, partial-payment plans with a larger upfront payment, and… 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

• Splitit — where it wins

  • Uses shoppers’ existing credit cards for installment plans
  • Supports online, in-store, phone, and payment-link checkout
  • Offers white-label checkout and next-day merchant settlement

  Where it doesn't

  • Requires consumers to have a credit card
  • Plan pricing requires a sales contact
  • Core merchant settlement timing may differ

• Klarna9.4/10 · Pricing on request

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

  Visit KlarnaFull verdict →
• Splitit8.9/10 · Pricing on request

  A flexible BNPL platform for branded, card-linked installments across sales channels.

  Visit SplititFull verdict →