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Klarna
klarna.comSummary
Klarna is a financial technology company that provides flexible payment solutions, primarily focusing on 'Buy Now, Pay Later' services. It allows consumers to split purchases into interest-free installments, pay in 30 days, or finance over a longer period, both online and in-store through various methods including their app, one-time cards, and a credit card.
Feature Matches1/12
See all1/12
Must Have
0 of 5
Instant P2P Transfers
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Commission-Free Stock Trading
Bitcoin Trading
Other
1 of 7
Pay Over Time (Afterpay)
Fraud Monitoring & Security
High-Yield Savings
Round-Up Savings
Instant Discounts & Offers
Customizable Card Designs
ATM Access & Fee Reimbursement
PricingFreemium
See allFreemium
Pay in 4
$0.00 one time
- Split purchase into 4 payments
- Interest-free
- Automatic payments every 2 weeks
Pay over time
Custom
- Spread cost over 6-24 months
- Monthly payments
- Interest may apply (0.00%-35.99% APR)
- Subject to credit approval
- Minimum purchase amount and down payment may be required
Pay in full today
$0.00 one time
- Fast and secure payment
- Stored cards
- Buyer protection
Pay in 30 days
$0.00 one time
- Pay up to 30 days later
- No late fees or interest when paid on time
- Pay only for what you keep
Rationale
Klarna's primary offering is 'Buy Now, Pay Later' (BNPL) services, which directly aligns with the 'Pay Over Time (Afterpay)' feature. While it offers various payment options, it does not provide peer-to-peer transfers, a dedicated prepaid debit card for general spending (beyond its credit card or one-time card for BNPL), early direct deposit, or investment features like stock or bitcoin trading, which are core to the Cash App concept. The Klarna Credit Card and One-time card are mechanisms to facilitate their BNPL service, not standalone prepaid debit cards as described for Cash App.
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Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
Show HN: We built a better [Product]
Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
[Product] vs Competitor B - which one should I choose?
Reddit·confused_buyer·Oct 14·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Oct 11·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.