NetSuite vs Klarna

Dynamics 365

SAP Concur

Sage Intacct

Afterpay

Affirm

Sezzle

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

Sage Intacct is a leading provider of best-in-class cloud ERP software, and is the preferred cloud financial management applications for the AICPA.

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

Microsoft Dynamics 365 is a multi-language, multi-currency enterprise resource planning (ERP) software. The solution is designed for midsize and larger companies, and is fully customizable and extensible through its rich development platform and tools.

NetSuite is an AI-powered cloud-based business management suite. It helps organizations streamline their operations and gain real-time insights into their performance. The suite caters to a range of industries such as manufacturing, retail, and professional services.

"What If" Scenarios

1099 Preparation

3PL Management

Access Controls/Permissions

Accounting

Accounting Integration

Accounts Payable

Accounts Receivable

ACH Payment Processing

Activity Dashboard

Activity Tracking

Ad hoc Query

Ad hoc Reporting

Agile Methodologies

Aging Tracking

Alerts/Notifications

Approval Process Control

Approval Workflow

Asset Lifecycle Management

Audit Management

Audit Trail

Automated Scheduling

Automatic Billing

Availability Management

Backorder Management

Bank Reconciliation

Barcode Printing

Barcode Recognition

Barcode/Label Management

Barcode/Ticket Scanning

Barcoding/RFID

Benchmarking

Billing & Invoicing

Bills of Material

BOM Creation

Budget Management

Budgeting/Forecasting

Built-in Accounting

Calendar Management

Calendar/Reminder System

Campaign Management

Capacity Management

Capacity Planning

Case Management

Cash Flow Management

Cash Management

Catalog Management

Channel Management

Chart of Accounts

Check Processing

Check Writing

Check-in/Check-out

Client Management

Client Portal

Collaboration Tools

Commenting/Notes

Commission Management

Committee Management

Communication Management

Compliance Management

Compliance Tracking

Configurable Workflow

Consolidation/Roll-Up

Contact Database

Contact Management

Contract/License Management

Core Accounting

Cost Management

Cost Tracking

Cost-to-Completion Tracking

CPA Firms

Credit Card Processing

Cross Docking

Currency Management

Customer Accounts

Customer Database

Customer History

Customer Management

Customer Statements

Customizable Fields

Customizable Forms

Customizable Invoices

Customizable Reports

Customizable Rules

Customizable Templates

Customization

Dashboard

Dashboard Creation

Data Entry

Data Extraction

Data Import/Export

Data Management

Data Security

Data Visualization

Delivery Management

Demand Forecasting

Direct Deposit

Discount Management

NetSuite

Android

Web-based

iPad

iPhone

Controller

With prior experience with Quickbooks and Microsoft GP, I can say that Netsuite is the best ERP because of its ease of use and powerful applications.

Internal Accountant

It's ability to allow the user to customise the report by adding data field(s) which is great as we do not always need to go behind IT Professional asking for help.

Technology Program Manager

My advice for those scoping out Netsuite is seriously analyze your business requirements and then advocate the hell for them in the scoping or implementation phases.

Accounting Manager

The ability to customize just about anything your organization wants is rewarding. And if you are willing to spend, you can have your system fit your business processes like a glove.

Commercial Property Broker

We were fortunate enough to use a trained consultant to do the implementation and now we have a fantastic solution even through getting there was not smooth sailing.

In all cases, the ability to customize to unique business needs, far beyond something like Quickbooks or Microsoft Dynamics, is fantastic.

Chief Operating Officer

Please do your research before you find yourself stuck in a contract with a bunch of misleading employees that won't even respond to your email or try to address your concerns.

Software Developer

I hate the reporting functionality, avoid it if I can. Might be that I don't really understand its uses.

Operations Manager

Lack of direct integration to the PSA tool. We struggled with bringing all of the contract details into the PSA and associated project.

Finance Associate

It makes certain things accounting wise very automated and easy. Integration features are amazing.

General Manager

Software is very easy to use so suitable for all staff not just office based staff. Software is so powerful that you can use it for invoicing, customer support, CRM and Shopping carts.

Director

And when you realise that a lot of what you are paying for is really very poor and that you have to buy additional software/SAAS to make up for it's shortcomings, it is even more expensive.

It still has the same old clunky "out of date" UI, very limited change is made in their annual updates - it remains very dated and Netsuite never address the key lack of functionality.

Project Manager

The customer support is horrible. You can call your Account Executive and it takes days, weeks or months to get results.

Accounting Officer

I use it on a daily basis and its very useful for quick reports and billing. I find it very helpful when I have to raise a large number invoices at one go through the upload.

Senior Accountant

I am sometimes disappointed with the "out of the box" product, meaning there are some things that I would think are standard, but they end up costing more.

Tax Consultant

Really good for accounting and easy to use the basic features.

Chief Finance Officer

Perfect for Subscription and SaaS Model Businesses.

NetSuite screenshot: NetSuite track KPI

NetSuite screenshot: NetSuite bill capture

NetSuite screenshot: NetSuite dashboard

NetSuite screenshot: NetSuite Salesforce connector

NetSuite screenshot: NetSuite Cash 360 dashboard

Freelancers

Large Enterprises

Mid Size Business

Non Profit

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.

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.


Customizable Branding

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

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.

NetSuite vs Klarna Comparison (2026)

NetSuite

Klarna

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives