PayPal vs Klarna

Venmo

Square Point of Sale

Payoneer

Afterpay

Affirm

Sezzle

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

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

Payoneer is a cross-border payments platform available in over 200 countries and 150 currencies, with multiple payout options

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.

Access Controls/Permissions

Accounting

ACH Payment Processing

Activity Dashboard

Ad hoc Reporting

AI/Machine Learning

Alerts/Notifications

Anomaly Detection

Authentication

Barcode/Ticket Scanning

Billing & Invoicing

Billing Portal

Cash Management

Check Fraud Detection

Compliance Management

Contact Database

Credit Card Processing

Customizable Dashboard

Customizable Invoices

Data Import/Export

Data Management

Data Security

Data Visualization

Debit/Credit Card Processing

Deferred Billing

Digital Wallet Payments

eCommerce Management

Electronic Payments

Electronic Signature

Expense Tracking

Financial Analysis

Financial Management

Financial Reporting

For Banking

For eCommerce

For Food Trucks

For Retail

For Small Businesses

Fraud Detection

In-Person Payments

Internal Fraud Monitoring

Inventory Management

Invoice Creation

Invoice History

Invoice Management

Invoice Processing

Marketing Reports

Mobile Access

Mobile Payments

Monitoring

Multi-Currency

Multi-Location

Multi-Period Recurring Billing

Multiple Payment Options

Online Invoicing

Online Payments

Order Management

Payment Fraud Prevention

Payment Gateway Integration

Payment Links

Payment Options

Payment Processing

Payment Tracking

PCI Compliance

Performance Management

Point of Sale (POS)

Product Catalog

Projections

Promotions Management

Real-time Alerts

Real-Time Data

Real-Time Monitoring

Receipt Management

Recurring Invoicing

Recurring/Subscription Billing

Refund Management

Reminders

Reporting/Analytics

Returns Management

Risk Analysis

Risk Management

Role-Based Permissions

Sales Reports

Sales Tax Management

Scheduled/Automated Reports

Search/Filter

Self Service Portal

Shipping Labels

Shipping Management

Social Media Integration

Status Tracking

Transaction History

Transaction Monitoring

PayPal

Android

Web-based

iPad

iPhone

student

What I like the most about paypal is, it is easy to use in paying and most of all paypal giving a gift reward in every users.

customers service

The Paypal program is very wonderful. The ease in depositing and withdrawing is very distinguished.

Content writer

However, people also get blocked by PayPal without any warning and they can freeze and hold the money from that account that makes annoying things to the user.

Biologist

Also, I do worry about storing my bank account information for a service like PayPal. They might be insured against fraud, but I still worry sometimes that my account information will be stolen.

Administrative Clerk

This becomes a problem when you need money quickly. IPN and PayPal API are unstable, often messing up transactions, especially if they involve limited items and need verification as soon as possible.

assistant

Love the ease of use and the ease of implementation/integration within other websites and platforms to capture payment.

I attempted to get them to refund money from fraudulent suppliers for months to no avail. Several of my associates found the same thing.

Educational Consultant

This has been a great overall experience. I love that PayPal now has started accepting Bitcoin and cryptocurrencies.

Customer Success Manager

Quick and reliable solution for those who need to have the ability to take and send payments in a secure fashion.

Manager

It is as safe and secure as the most popular credit cards, continuously gaining trust of costumers all around the world. It has a fast invoicing service for freelance and business users.

Sr Consultant 

PayPal is a great tool that allows for incoming and outgoing cash exchange in a seamless way. It is easy to idea and very secure.

Victim Advocate 

I love the ease of use, both on the computer and the app on my phone. I love the feeling of security in sending money to friends and making purchases online.

Teacher

On top of all this, I'm pretty satisfied with how it ensures the security and privacy of my accounts and my e-money. I've never been this happy as much as I am with PayPal.

graphic designer

It's a very great solution for sending money to everyone, I used it weekly and I like it so much, I really love it.

Engineeing Intern

Having money in PayPal really helps with the ease of payment at various points during online shopping. I love the easy transition of the gateway with the security.

I love that when you purchase using Paypal, if the item received is either wrong or never delivered, they have a great customer service team that can help resolve it.

Office Administrator 

Satisfactory, customer service is great and helpful, easy for customers and employees. Platform very user friendly.

Marketing Manager

The PayPal API is fantastic and the ease of use trumps any potential downfalls we may have. PayPal has been fantastic and helps keep PII and payment information safe.

PayPal screenshot: PayPal payment options

PayPal screenshot: PayPal payments

PayPal screenshot: PayPal risk dashboard

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

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

Multi-Channel Marketing

Partial Payments

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.

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.

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.

PayPal vs Klarna Comparison (2026)

PayPal

Klarna

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives