Competitors
Klarna
klarna.com
Klarna is a financial technology company that provides flexible payment solutions, primarily focusing on 'Buy Now, Pay Later' (BNPL) options for online and in-store purchases. They offer a credit card that allows users to choose how they pay for each purchase, including splitting costs into interest-free installments. Klarna also provides a shopping app with features like cashback, price comparison, and loyalty card management.
Rationale
Klarna offers a credit card that functions similarly to a prepaid debit card, allowing users to manage their spending and choose payment options. Their core offering is 'Buy Now, Pay Later' (BNPL) which directly aligns with the 'Pay Over Time (Afterpay)' feature. While Klarna does not offer direct P2P transfers, early direct deposit, or investment features like stock or bitcoin trading, it does provide a card and flexible payment options.
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