Softwr

E-Commerce · head to head

3dcart vs Klarna

3dcart logo

3dcart

E-Commerce

All-in-one ecommerce platform for online retailers

From
$19/month
Rated
-
Full reviewWebsite
Klarna logo

Klarna

E-Commerce

Buy now pay later and instalment checkout for online and in-store merchants

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 3dcart limited scalability compared to enterprise e-commerce platforms; Klarna merchant fees for the short-term products run around 5.99% plus a fixed fee in the United States, roughly double a standard card rate, so unless Klarna measurably lifts average order value or conversion it is a straight margin loss.
  • They diverge on capability: 3dcart covers Store builder, Klarna covers Pay in 4.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which 3dcart and Klarna actually diverge.

Attributes where 3dcart and Klarna differ
Attribute3dcartKlarna
Starting price$19/monthOn request
Pricing modelUnknownquote
PlatformsWebWeb, iOS, Android
Founded1997Unknown

Identical on both: free tier (No), user rating (Not yet rated), category (E-Commerce).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in 3dcart

  • Store builder
  • Unlimited products
  • Shopping cart
  • Payment processing
  • Inventory management
  • Email marketing
  • SEO optimization
  • Mobile responsive

Only in Klarna

  • Pay in 4
  • Pay in 30 days
  • Longer-term financing
  • Klarna app placement
  • Klarna Checkout
  • In-store payments
  • On-site messaging
  • Merchant portal

What people use each for

The jobs each tool is most often brought in to do.

3dcart

  • Building multi-channel stores across Facebook, eBay, Amazon in parallelnot Klarna
  • Recovering abandoned shopping carts with automated email sequencesnot Klarna
  • Calculating real-time shipping costs and integrating carrier APIsnot Klarna
  • Protecting payment processing with VISA PCI certificationnot Klarna

Klarna

  • A fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basketnot 3dcart
  • A merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkoutnot 3dcart
  • A European retailer wanting a single hosted checkout that handles instalments, invoice and card in one flownot 3dcart
  • A brand that wants distribution inside Klarna's shopping app as an acquisition channel rather than only a payment optionnot 3dcart

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

3dcart

  • Limited scalability compared to enterprise e-commerce platforms
  • Payment processing tied to Shift4 Payments after acquisition
  • Fewer advanced marketing and analytics features than competitors

Klarna

  • Merchant fees for the short-term products run around 5.99% plus a fixed fee in the United States, roughly double a standard card rate, so unless Klarna measurably lifts average order value or conversion it is a straight margin loss.
  • Rates are negotiated and unpublished, which means small merchants pay the standard rate while large ones negotiate down, and you cannot benchmark what you are being charged without going to market.
  • Returns and partial refunds are handled through Klarna's systems rather than your payment processor, so your finance team reconciles a second settlement flow and customer service handles a second dispute process.
  • Buy now pay later is being brought under consumer credit regulation in the UK, the EU and Australia, which is already changing affordability checks and disclosures; the checkout experience that converts today may be legally required to add friction.
  • Klarna owns the post-purchase relationship, sending payment reminders and marketing in its own name, so a shopper who has a poor collections experience associates it with your brand while you have no control over the messaging.

Pricing, plan by plan

3dcart

$19/month
  • Starter$19/month
    • Unlimited products
    • Basic templates
    • Email support

Klarna

On request
  • Klarna for Business$undefined/year
    • Per-transaction percentage plus a fixed fee, negotiated by merchant
    • No published rate card; rates vary by market, product and volume
    • Short-term products priced materially above card interchange

Which should you pick?

Choose 3dcart if

  • You need store builder.
  • You also want unlimited products.
3dcart review

Choose Klarna if

  • You need pay in 4.
  • You work on Web, iOS, Android.
  • You also want pay in 30 days.
Klarna review

Questions people ask

Is 3dcart or Klarna better?
Neither clearly leads. 3dcart starts at $19/month and Klarna at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 3dcart or Klarna?
3dcart starts at $19/month and Klarna at On request.
Does 3dcart or Klarna run on more platforms?
3dcart runs on Web. Klarna runs on Web, iOS, Android.
What is 3dcart best used for?
3dcart is most often used for building multi-channel stores across facebook, ebay, amazon in parallel, recovering abandoned shopping carts with automated email sequences, calculating real-time shipping costs and integrating carrier apis, protecting payment processing with visa pci certification. Of those, building multi-channel stores across facebook, ebay, amazon in parallel and recovering abandoned shopping carts with automated email sequences are not what Klarna is typically brought in for.
What can 3dcart do that Klarna cannot?
3dcart covers Store builder, Unlimited products, Shopping cart, Payment processing. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

3dcart: What is the starting price for 3dcart?

3dcart (now Shift4Shop) starts at $19/month with no setup fees, transaction fees, or hidden fees.

Source
Klarna: What does Klarna cost a merchant?

Klarna does not publish a rate card. In the United States most merchants pay around 5.99% plus $0.30 for short-term products, with longer-term financing nearer 3.29% plus $0.30, and large merchants negotiate lower.

3dcart: Does 3dcart include hosting?

Yes. 3dcart includes web hosting, domain support, and built-in website building tools with no separate hosting costs.

Source
Klarna: Does the merchant carry the credit risk?

No. Klarna pays the merchant the full amount less fees and takes the risk of the shopper not paying.

3dcart: What happened to 3dcart?

Shift4 Payments acquired 3dcart in November 2020. The platform is now operated under the name Shift4Shop but maintains the same core functionality and pricing.

Source
Klarna: Can I use Klarna alongside my existing processor?

Yes. It is normally added as an additional payment method through Shopify, Adyen, Stripe or a direct integration rather than replacing your card acquirer.

3dcart: Does 3dcart offer free templates?

Yes. 3dcart provides dozens of professionally designed, industry-specific templates that are mobile-friendly, SEO optimized, and highly customizable.

Source
Klarna: Is Klarna still independent?

Yes. It listed on the New York Stock Exchange in September 2025 and holds a Swedish banking licence.

3dcart: What payment methods does 3dcart support?

3dcart integrates with multiple payment gateways including Shift4 Payments, Stripe, PayPal, and other major payment processors.

Source
Share

Related pages

More on 3dcart

More on Klarna

Keep looking

Other head to heads