E-Commerce · alternatives
Alternatives to Klarna
22 e-commerce tools sit alongside Klarna in this directory. Below is what separates each from Klarna on the figures we hold, price, model, tier count and rating, and a direct comparison for every one.
- Alternatives listed
- 22
- With a free tier
- 13
- Cheaper to start
- -
- Klarna starts at
- On request
Why people look past Klarna
Only what the record supports. Each point below is a figure on the Klarna entry measured against the tools listed beside it.
There is no free tier
The record for Klarna carries no free tier, so evaluating it means paying first. 13 of the 22 alternatives below can be used without paying.
There is only one tier
Klarna publishes a single plan, Klarna for Business at On request. There is no smaller tier to drop to if the fit is wrong or the budget moves.
What each alternative does differently
Ordered by the aggregated rating on each catalogue entry. Differences are drawn from price, pricing model, tier count and rating, the fields the category listing carries. For a feature-level difference, follow the head-to-head link on each card: those pages read both full records.
Financial infrastructure for the internet
- Can be used without paying; Klarna cannot.
- Publishes an entry price of Free, where Klarna does not.
The payments platform built for growth
- Publishes an entry price of $0.13/per-transaction, where Klarna does not.
- Sold on a usage-based model rather than quote.
The most trusted ecommerce platform to start, grow, and scale your business
- Publishes an entry price of $24/month, where Klarna does not.
- Sold on a subscription model rather than quote.
- 4 tiers to Klarna's 1.
Social resale marketplace with a flat fee on low-value sales and a percentage cut above that
- Can be used without paying; Klarna cannot.
- Sold on a Free to list; tiered seller commission by sale price model rather than quote.
US and Canada grocery delivery and pickup marketplace with a paid membership tier
- Can be used without paying; Klarna cannot.
- Sold on a Free to download; item markups plus delivery and service fees per order, optional subscription model rather than quote.
- 2 tiers to Klarna's 1.
Ultra-fast-fashion e-commerce app shipping low-cost apparel direct from Chinese manufacturers
- Can be used without paying; Klarna cannot.
- Sold on a Free to browse and use; pay per order, optional paid loyalty tier model rather than quote.
- 2 tiers to Klarna's 1.
Every Klarna alternative at a glance
A dash means the catalogue entry carries no figure, not that the answer is nothing.
| Tool | Entry price | Model | Tiers | Head to head |
|---|---|---|---|---|
| Klarna (this page) | On request | Quote | 1 | |
| StripeIf you want one processor for cards and instalments with published rates rather than a negotiated BNPL contract | Free | - | - | vs Klarna |
| AdyenIf you are an enterprise merchant wanting interchange-plus pricing and BNPL methods under a single acquiring contract | $0.13/per-transaction | Usage-based | 1 | vs Klarna |
| ShopifyIf you are already on Shopify and want instalments through the native checkout without a separate merchant agreement | $24/month | Subscription | 4 | vs Klarna |
| Poshmark | Free | Free to list; tiered seller commission by sale price | 1 | vs Klarna |
| Instacart | Free | Free to download; item markups plus delivery and service fees per order, optional subscription | 2 | vs Klarna |
| Shein | Free | Free to browse and use; pay per order, optional paid loyalty tier | 2 | vs Klarna |
| Depop | Free | Free to list; percentage plus per-order seller fee, separate payment processing fee | 1 | vs Klarna |
| Amazon Shopping | Free | Free to use; optional Prime subscription for fast shipping and bundled media | 2 | vs Klarna |
| Wish | Free | Free to browse and use; pay per order | 1 | vs Klarna |
| Temu | Free | Free to browse and use; pay per order, heavy promotional discounting | 1 | vs Klarna |
| Mercari | Free | Free to list; 10 percent seller commission on sale price plus payment processing fee | 1 | vs Klarna |
| Vinted | Free | Free for sellers, no commission; buyer pays a variable Buyer Protection fee at checkout | 2 | vs Klarna |
| Zendrop | Free, then $49/month | Freemium | 3 | vs Klarna |
| Saleor | Free | Open-source | 4 | vs Klarna |
| CJ Dropshipping | Free | Freemium | - | vs Klarna |
| Mollie | £0.3/transaction | Per transaction by payment method | 3 | vs Klarna |
| Drip | $39/month | Per month by contact count | 3 | vs Klarna |
| Memberful | $49/month | Subscription | 2 | vs Klarna |
| FastSpring | On request | Transaction | 1 | vs Klarna |
| SamCart | $79/month | Subscription | 2 | vs Klarna |
| Gumroad | On request | Transaction | 2 | vs Klarna |
| Loox | $14.99/month | Subscription | 3 | vs Klarna |
Ratings are aggregated from third-party sources and imported with each catalogue entry; Softwr hosts no reviews of these products. How each figure is used is set out on the Klarna badges page.
Cheaper ways to solve the same problem
What you would be giving up
Klarna is most often brought in for a fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basket, a merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkout, a european retailer wanting a single hosted checkout that handles instalments, invoice and card in one flow, a brand that wants distribution inside klarna's shopping app as an acquisition channel rather than only a payment option. Anything replacing it has to cover the ones you actually depend on, and a cheaper tool that misses one of them is not cheaper.
Two things this page cannot settle. It compares on price, model, tier count and rating, because those are the fields the category listing carries, feature-level differences need both full records, which is what the head-to-head pages load. And the ratings are third-party aggregates imported with each entry rather than reviews written here, so a 0.2 difference between two tools is noise rather than a finding.
If Klarna is broadly right and the question is cost, the Klarna pricing breakdown covers every tier and what each one adds. If you want the whole field rather than a shortlist, the E-Commerce category lists everything the directory holds, and best e-commerce tools ranks them.
Klarna runs on web, ios, android. Platform coverage is not carried on the category listing for the alternatives, so it is one more thing to check on each head-to-head page rather than here.
Questions about Klarna alternatives
- What are the main alternatives to Klarna?
- 22 other e-commerce tools are listed in this directory, led by Stripe, Adyen, Shopify, Poshmark. They are ordered by the aggregated rating on each catalogue entry, not by any Softwr ranking.
- What is the best free alternative to Klarna?
- 13 of the alternatives listed here can be used without paying: Stripe, Poshmark, Instacart, Shein, Depop.
- Why do people look for an alternative to Klarna?
- On the figures on record, 2 things stand out: there is no free tier; there is only one tier. Each is set out with the numbers behind it above.
- What would I give up by switching from Klarna?
- Klarna is most often brought in for a fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basket, a merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkout, a european retailer wanting a single hosted checkout that handles instalments, invoice and card in one flow, a brand that wants distribution inside klarna's shopping app as an acquisition channel rather than only a payment option. Anything you replace it with has to cover the ones you actually rely on, the side-by-side comparisons linked from each alternative below put the two feature records against each other.
- Is there an open-source alternative to Klarna?
- Saleor is recorded with an open-source licence model.
- How were these Klarna alternatives chosen?
- They are the tools filed in the same category, E-Commerce, ordered by the aggregated rating on each entry. There is no editorial shortlist, and nothing on this page is paid: no sponsored placement runs on alternatives pages and the order cannot be bought. Softwr has not used these products.
- Where can I compare Klarna against one of these directly?
- Every alternative below has a side-by-side page against Klarna covering price, platforms, features and what each one is used for. Those pages read the full record for both products rather than the summary shown here.
- Does this list cover every e-commerce tool?
- No. It covers what this directory holds in the E-Commerce category, 22 tools beside Klarna. The category page lists the rest of the catalogue as it grows.