Softwr

E-Commerce · head to head

BackToMe vs Klarna

BackToMe logo

BackToMe

E-Commerce

Right-of-withdrawal handling for European e-commerce

From
€25/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: BackToMe the scope is European consumer law. A merchant selling outside the EU has no use for it.; 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: BackToMe covers Floating withdrawal button, Klarna covers Pay in 4.
  • Prices and features above were last checked on 15 September 2026.

Where they differ

Only the attributes on which BackToMe and Klarna actually diverge.

Attributes where BackToMe and Klarna differ
AttributeBackToMeKlarna
Starting price€25/monthOn request
Pricing modelsubscriptionquote
PlatformsWebWeb, iOS, Android

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 BackToMe

  • Floating withdrawal button
  • Automatic acknowledgement
  • Sealed archiving
  • Withdrawal dashboard
  • One-click proof export
  • Multi-store from one account

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.

BackToMe

  • Meeting EU Directive 2023/2673 withdrawal obligationsnot Klarna
  • Producing dated proof of a cancellation in a customer disputenot Klarna
  • Handling withdrawal requests across several EU languagesnot Klarna
  • Running one withdrawal process across multiple storefrontsnot Klarna
  • Passing a consumer-protection audit with exportable recordsnot Klarna

Klarna

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

Where each one falls short

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

BackToMe

  • The scope is European consumer law. A merchant selling outside the EU has no use for it.
  • The site and dashboard are French. The customer-facing button covers 24 EU languages, but the merchant side is not multilingual.
  • One price, one feature set. There is no tier for a shop that wants only the archive or only the button.
  • It runs as an injected script on the storefront, so a shop with a strict content security policy has an extra step before the button will render.
  • A young French vendor with no independent review coverage, so there is nothing outside the vendor's own material to corroborate the archive's evidentiary weight.

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

BackToMe

€25/month
  • Monthly$25/month
    • Per active store, excluding VAT
    • Unlimited withdrawal requests
    • 24 EU languages
  • Annual$250/year
    • Per store, excluding VAT
    • Two months free against the monthly rate
    • Everything in the monthly plan

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 BackToMe if

  • You need floating withdrawal button.
  • You also want automatic acknowledgement.
BackToMe 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 BackToMe or Klarna better?
Neither clearly leads. BackToMe starts at €25/month and Klarna at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, BackToMe or Klarna?
BackToMe starts at €25/month and Klarna at On request.
Does BackToMe or Klarna run on more platforms?
BackToMe runs on Web. Klarna runs on Web, iOS, Android.
What is BackToMe best used for?
BackToMe is most often used for meeting eu directive 2023/2673 withdrawal obligations, producing dated proof of a cancellation in a customer dispute, handling withdrawal requests across several eu languages, running one withdrawal process across multiple storefronts. Of those, meeting eu directive 2023/2673 withdrawal obligations and producing dated proof of a cancellation in a customer dispute are not what Klarna is typically brought in for.
What can BackToMe do that Klarna cannot?
BackToMe covers Floating withdrawal button, Automatic acknowledgement, Sealed archiving, Withdrawal dashboard. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

BackToMe: What does BackToMe cost?

25 euros excluding VAT per month per active store, or 250 euros excluding VAT per year, which works out at two months free. The price does not change with the number of withdrawal requests.

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.

BackToMe: Which regulation does it address?

EU Directive 2023/2673, which governs the consumer right of withdrawal on distance contracts in e-commerce.

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.

BackToMe: Is there a free trial?

Seven days. A card is required to start it but nothing is charged upfront, and cancelling before day seven costs nothing. There is also a 30-day money-back guarantee.

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.

BackToMe: Are staging and development stores billed?

No. Only activated stores are billed, and the withdrawal button does not display on inactive ones.

Source
Klarna: Is Klarna still independent?

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

BackToMe: What happens to the archive if I cancel?

Cancellation is available at any time with no commitment, premium access runs to the end of the paid period, and the account stays open with archived withdrawals and proofs accessible indefinitely. Reactivation is self-service.

Source
BackToMe: Which e-commerce platforms does it support?

Shopify, WordPress, WooCommerce, PrestaShop, Wix, Webflow, WiziShop and Squarespace, plus custom builds through a single line of script. The vendor puts installation at five minutes on any platform.

Source
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