Afterpay vs Klarna

Shopify

PayPal Enterprise Payments

Revolut Business

Affirm

Sezzle

Compare Afterpay and Klarna based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Sezzle is a payment processing solution that helps merchants manage options for buying now and paying later via installments. It offers mobile applications for Android and iOS devices, which allows users to handle payments and view specific brands according to requirements.

Zip affords customers the opportunity to make immediate purchases while opting to spread the payment over time using a series of installment payments without interest.

Shopify is a commerce platform that allows anyone to easily sell online, at a retail location, and everywhere in between

Afterpay is an installation payment solution that provides an additional payment option for customers. With Afterpay, businesses can allow customers to pay for any product in installments payments over 6 weeks.

ACH Payment Processing

Data Security

Debit/Credit Card Processing

Mobile Payments

Multiple Payment Options

Online Payments

Partial Payments

Payment Fraud Prevention

Recurring/Subscription Billing

Reporting/Analytics

Self Service Portal

Afterpay

Web-based

Owner

Afterpay has been a great way for my sales to increase by 60. I love them as a merchant and as a consumer.

Integration was very easy even if you were not good with computers. Very helpful and my customers love the option.

That it’s super easy to use. The customer service from start to finish was great.

Desing/Marketing Manager

There are no analytics tracking, and the dashboard is confusing to navigate.

owner

Afterpay is very easy to use. Customer love it and love how easy it is.

Delivery Driver

The best is this app is so sophisticated and a breeze to navigate.

Trust for our customer, its amazing how customer relate with afterpay and also with the afterpay store directory.

I love when I added this back in 2018 it instantly added to sales within my company. A lot of consumers are dealing with the pandemic and need to place orders on a payment plan, this helps.

I love the easy use and being able to have this option for my customers.

Owner 

Easy to use  and my customers love if they like options to pay.

Director of Ecommerce

We love how afterpay makes quick and easy transactions for our customers.

Soap Maker

So easy to use, as a customer and merchant. Great customer service too.

Internal Advisor

You have the ability to buy a product now and make payments later. That is a very good thing to have, especially during the time's we're all living in, money is a problem, and this makes it easier.

I dislike the 3 business days that you must wait before payout.

The integration process was easy. Customers like the available option.

Head of E-Commerce & Marketing

Customers often get confused on how to check out using Afterpay (via our Shopify powered site).

Small business owner

Ease of use is the only compliment, but they make this easy because they willing To steal your money.

I wouldn’t say that I have anything negative to.

Afterpay screenshot: Afterpay connects merchants with the world's best shoppers. And no application fees mean more businesses sign up with Afterpay than any other payment service.

Afterpay screenshot: Afterpay offers shoppers an all-inclusive application to access their favorite brands, manage their budgets, and pay in 4 with one touch.

Freelancers

Large Enterprises

Mid Size Business

Small Business

Affirm is tailored to merchants looking to increase average order value and repeat purchase rate. Regardless of industry or size, Affirm removes price as a barrier, turning browsers into buyers.

Revolut Business is designed to streamline your business operations. Scale — and save — with multi-currency accounts, company cards, spend management tools, seamless integrations, and more. Join the hundreds of thousands of businesses worldwide who use Revolut Business to expand with ease.

PayPal Braintree is a cloud-based payment solutions that allows businesses to process eCommerce transactions on mobile platforms and desktop. It provides multi-lingual sales and live support with fraud protection assessments. It also enables users to customize design of the checkout to match application or website interface.

Klarna is a payment processing platform designed to help businesses offer a secure checkout experience to customers with several payment methods. Shoppers can use the application to manage purchases, report returns, and communicate with customer service agents.


Credit Card Processing

Customizable Branding

Electronic Payments

Mobile Access

Multi-Channel Marketing

Multi-Currency

Payment Options

Third-Party Integrations

Klarna

Android

iPad

iPhone

Head of accounting

They algo give no option to answer disputes so any incident results in a loss of money for the company, encouraging fraud.

Manager

Love it, cant say enough good things about it, team are there to support you whether your a small business or big retailer. We have also worked with them at events which was an amazing opportunity.

Teacher

It is a trustworthy company and can help you purchase big items while paying in installments. It's very user friendly and helpful.

I like the fact that I am able to get products and then pay for them over time. I also like that making timely payments actual help to improve your credit score as well.

welder

On December 10, I received a message that KLARNA had charged me more than $400 from my account instead of the $200 required under the contract.

Integrates perfect with shopify, customer service there 24/7 to assist if any issues, setup was straight forwards when you have the right documents, there team work close with you on boarding.

Deli Associate

For an app that I found by accident, & just in general, its by far the best when using any payment plan service. Interest free & easy to use with a wide variety of stores to shop at.

You are very limited as to where to shop. You most ship with retailers who have a contract with this company.

It is a very helpful product. I use it for many of my everyday purchases.

AP Controller

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.

editor

Customer service impossible to join because you need to have an account who works properly but the thing is usually you contact them when you have a problem on it, they really have a little brain.

Good tool that was suggested by a customer who was a regular Klarna user. Provided customers an extra way to pay.

So i am block because i cannot buy, i cannot change the number of my account and i cannot contact them for help. The dude who develop this has a iq negative.

Dispatcher

Tried purchasing from Walmart, Walmart has a your message saying the time of delivery alot was taken, so it forced me to go back and checkout again.

Director

My experience with Klarna has been good most of the time, and I find it a pretty convenient way for customers to pay. Notwithstanding, I found some  issues to get refunds.

Office/Shop Manager

Klarna's decision process is quick and easy. It doesn't take forever to get an answer or a payment plan.

Afterpay vs Klarna Comparison (2026)

Afterpay

Klarna

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives