Klarna vs Google Pay

PayPal

Square Payments

Afterpay

Samsung Pay

Affirm

Sezzle

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

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.

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.

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.

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

Data Security

Debit/Credit Card Processing

Electronic Payments

Mobile Access

Mobile Payments

Multi-Channel Marketing

Multi-Currency

Multiple Payment Options

Online Payments

Partial Payments

Payment Fraud Prevention

Payment Options

Reporting/Analytics

Third-Party Integrations

Klarna

Android

Web-based

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.

Owner

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.

Klarna screenshot: Klarna payment methods

Klarna screenshot: Klarna messages

Freelancers

Large Enterprises

Mid Size Business

Small Business

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Samsung Pay is a mobile banking software that helps businesses of all sizes add Visa, Mastercard, and American Express cards to process payments. The platform enables administrators to offer cards, coupons, and certificates with barcodes and update loyalty programs.

Square Payments is an online payment processing solution which integrates with Square hardware & POS software to allow businesses to accept payments

Google Pay is a mobile payment platform that allows users to make online payments, in-app purchases, and send money to others. It is available on Android devices, iPhones, and other mobile devices such as Chromebooks and tablets.

Authentication

Bill Payment

Chat/Messaging

Customer Accounts

Data Synchronization

Digital Wallet

Mobile Alerts

Online Banking

Transaction History

Transaction Monitoring

Google Pay

Deciding feature is nice and the fact that you can keep your card safe with another ID is nice.

Managing Director 

Customer service is amazing, it took less time to resolve the issue.5. Easy to use for both customer and business individuals.6.

Freelance Writer

Another is the promotional offers and deals that allow you to make or save a few bucks on the side. It's also safe and secure, requiring PIN or other confirmation for payment.

Illustrator

It's great to be able to have all cards/gift cards and loyalty cards in one place.

application developer

I will use this for tap and pay, and to pay people who do not use venmo or paypal. Other than that, my usage is limited because of how clunky it can be to use.

Direct Support Professional

I love the ease of use and cash back. Makes it all more worth it.

Sales

I love the customer service and I love that I can trust them.

It can be quite confusing and is not intuitive. You need to find your way around the app and so it may be difficult to use for those who arent tech savvy.

Clients can easily make payments to the shop with this software, more payment options the better for the buiseness. I would definitely recommend this software.

Application Engineer

Ease of use, Account linking more easy and feasible, QR code capabilities help users make payment faster.

Positive, it is one of my favourite apps for payment and receiving payment.

License Manager

Google Pay doesn't work without unlocking phone. After run I have wet hands and have problems with unlocking the phone.

Physiotherapist

One of the most effective software to manage payments. Feel really secure while using it.

Physician

Great, integrated well with its own mediums and other applications.

Inside Sales

My overall experience has been a good one  and I am able to track my business spending using an inexpensive piece of software.

Programmer Analyst

Due to weak server connectivity from their side, we sometimes suffer due to hindrances in important transactions.

Supervisor 

Using the software is absolutely easy and convenient ,nowadays people don’t wanna carry cash like myself so google pays a great way to do your every day things without worrying about money on hand.

Klarna vs Google Pay Comparison (2026)

Klarna

Google Pay

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives