Klarna
7.2#3 in shopping and price-tracking appsFrom $4.99 a monthAndroidiOSWebAPI
VisitKlarna vs PayJustNow
PayJustNow
6.6#11 in buy now, pay later platformsFree planFree planAndroidiOSWeb
VisitWhat both publish
| Fact | Klarna | PayJustNow |
|---|---|---|
| Security | Klarna describes account protections including encryption, two-factor authentication, real-time fraud monitoring, biometrics, and passkeys. | PayJustNow says it uses a PCI DSS certified service provider and uses Peach Payments and/or Stripe as its card processor. |
| 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. | PayJustNow lets shoppers split purchases into instalments through participating South African online and in-store retailers. |
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
PayJustNow plans
- Pay in 3Free
- Pay in 12Priced on request
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 PayJustNow if…
PayJustNow suits eligible South African shoppers who want instalments at participating retailers. Pay in 12 is specifically available for online purchases at partner stores.