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Afterpay vs Klarna

Afterpay logo

Afterpay

6.6#10 in buy now, pay later platformsFree plan
Free planAndroidiOSWebAPI
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Klarna logo

Klarna

7.2#3 in shopping and price-tracking appsFrom $4.99 a month
AndroidiOSWebAPI
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What both publish

FactAfterpayKlarna
Founded20142005
IntegrationsAfterpay offers integrations with e-commerce, payments, and content-management platforms, plus iOS and Android SDKs and bespoke API options.Klarna Payments supports integrations including Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce.
SupportThe U.S. Help Center offers 24/7 in-app chat and phone support daily from 8 AM to 9:30 PM ET.Klarna’s US Pay in 4 page directs customers to customer service for help and troubleshooting.
What it doesAfterpay lets eligible shoppers pay in four installments at partner brands and shop online or in-store.Klarna Payments lets merchants offer Klarna as a checkout payment method, with options customers can select such as pay now, pay later, or pay in parts.

Afterpay plans

  • Pay in 4Free
  • Pay monthly—

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 Afterpay if…

Afterpay suits eligible shoppers who want to split partner-brand purchases into installments, and retailers looking to offer checkout across online, in-store, or in-app channels. U.S. customers must meet the stated age, residency, and eligibility requirements.

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.

Charts they share