Competitors
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Klarna
klarna.comSummary
Ask questionsKlarna 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.
Features10/46
See all10/46
Must Have
9 of 14
Payment Processing
Billing & Subscription Management
Fraud Detection
Credit Card Processing
Online Payments
Fraud Prevention
Recurring Billing
Global Payments
Subscription & Recurring Billing
Developer API Integration
Dashboard & Reporting
Developer Tools
Credit Card Acceptance
Developer APIs & SDKs
Other
1 of 32
Mobile App Management
Stripe Connect
Stripe Issuing
Stripe Terminal
Stripe Treasury
Stripe Atlas
Stripe Capital
Stripe Sigma
Stripe Tax
Stripe Invoicing
Multi-Currency Support
Global Payment Methods
Webhook Event System
Customer Portal
Invoicing
Payment Intents
Reporting & Analytics
Marketplace Payments
In-Person Payments
Connect Platform
Issuing
Treasury Services
Identity Verification
Webhooks & Event Notifications
Multi-Currency Support
Dispute Management
Reporting & Analytics Dashboard
Payout Management
PCI Compliance
Test Mode & Sandbox
Customizable Checkout
Invoice Creation & Sending
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 is a strong match for the 'Stripe Payment Platform' concept, particularly in its core offering of flexible payment solutions for consumers and businesses. While it doesn't offer the same deep developer API integration as Stripe, it provides payment processing, recurring billing (through its 'Pay in 4' and 'Pay over time' options), and fraud prevention. It also supports global payments and has a mobile app for management. The 'For business' section explicitly mentions payment solutions for retailers, including integration with platforms like Stripe, which further solidifies its role in the payment ecosystem. The primary difference is Klarna's focus on 'Buy Now, Pay Later' (BNPL) and consumer financing, rather than being a pure payment gateway for all transaction types like Stripe.
