Klarna
7.2#3 in shopping and price-tracking appsFrom $4.99 a monthAndroidiOSWebAPI
VisitKlarna vs Payflex
What both publish
| Fact | Klarna | Payflex |
|---|---|---|
| App platforms | Klarna lists the app as available on the App Store and Google Play. | Payflex offers its free app for Android, iOS, and Huawei AppGallery. |
| Integrations | Klarna Payments supports integrations including Shopify, Adobe Commerce, Salesforce Commerce, and WooCommerce. | Payflex lists WooCommerce, Shopify, Magento V1 and V2, and OpenCart, and says custom-built sites can use its API. |
| Pay in 4 | In the US, Pay in 4 splits a purchase into four interest-free payments collected every two weeks, with no fees when paid on time. | Pay in 4 splits a purchase into four instalments, with the first paid upfront and the other three debited every two weeks. |
| Security | Klarna describes account protections including encryption, two-factor authentication, real-time fraud monitoring, biometrics, and passkeys. | Payflex says its website is SSL-secure, it does not store card details, and payments are handled by a PCI-compliant South African payment gateway. |
| Support | Klarna’s US Pay in 4 page directs customers to customer service for help and troubleshooting. | Customer support hours are Monday to Friday 8:30–17:00, Saturday and Sunday 09:00–15:00, and public holidays 09:00–13:00. |
| What it does | 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. | Payflex lets shoppers pay for purchases online or in store using Pay Now or interest-free instalment plans. |
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
Payflex plans
No prices published.
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.
Pick Payflex if…
Payflex suits South African shoppers seeking instalment payments and merchants adding online or in-store checkout options. Merchant integrations cover major commerce platforms and custom websites.