Affirm
6.0#21 in buy now, pay later platformsAndroidiOSWebAPI
VisitAffirm vs Klarna
What both publish
| Fact | Affirm | Klarna |
|---|---|---|
| Founded | 2012 | 2005 |
| Integrations | Affirm lists integrations with Shopify, Wix, BigCommerce, Adobe Commerce, Salesforce Commerce Cloud, SAP Commerce, WooCommerce, Stripe, Adyen, Worldpay, and other platforms and payment service providers. | Klarna Payments supports integrations including Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce. |
| Security | Affirm says it uses industry-standard encryption in transit and at rest, is a PCI DSS Level 1 Service Provider, and maintains SOC 1 and SOC 2 Type 2 reports. | Klarna describes account protections including encryption, two-factor authentication, real-time fraud monitoring, biometrics, and passkeys. |
| Support | Affirm provides a consumer Help Center and a business support center. | Klarna’s US Pay in 4 page directs customers to customer service for help and troubleshooting. |
Affirm plans
- Adaptive Checkout™—
- Installments—
- Pay in 4—
Klarna plans
- Klarna Core membership$4.99 a month
- Klarna Plus membership$9.99 a month
- Klarna Premium membership$19.99 a month
- Klarna Max membership$44.99 a month
Pick Affirm if…
Affirm suits consumers in the United States, Canada, and United Kingdom who want installment options at participating merchants. Merchants looking to add those payment options can use its API, mobile SDKs, and listed platform integrations.
Pick Klarna if…
Klarna may suit consumers in its listed regions who want different ways to repay at checkout. Merchants using supported commerce platforms can consider it for omnichannel checkout and scheduled settlement.