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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' (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.
Feature Matches2/12
See all2/12
Must Have
1 of 5
Prepaid Debit Card (Cash App Card)
Instant P2P Transfers
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
Klarna Plus
$7.99 monthly
- Double Rewards points
- Exclusive offers & discounts
- $8 off first purchase in app (with trial)
- Restrictions apply to offers/discounts
Pay over time (Financing)
Custom
- Spread cost of purchases over 3 to 18 months
- Subject to credit approval
- Interest applies
- Minimum purchase amount and down payment may be required
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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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.
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After struggling with [Product]'s limitations, we decided to build our own solution.
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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·Jan 25·+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.