Softwr

Accounting · head to head

Bill.com vs Klarna

Bill.com logo

Bill.com

Accounting

Automate your financial workflows

From
Free
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

  • Only Bill.com has a free tier, so it costs nothing to try first.
  • Each has a real cost: Bill.com limited customization of approval workflows and user permissions for complex business needs; 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: Bill.com covers AP automation, Klarna covers Pay in 4.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Bill.com and Klarna actually diverge.

Attributes where Bill.com and Klarna differ
AttributeBill.comKlarna
Starting priceFreeOn request
Pricing modelUnknownquote
Free tierYesNo
PlatformsWebWeb, iOS, Android
CategoryAccountingE-Commerce
Founded2006Unknown

Identical on both: user rating (Not yet rated).

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 Bill.com

  • AP automation
  • AR automation
  • Payment processing
  • Approval workflows
  • Document management
  • Vendor management
  • Cash flow insights
  • Mobile approvals

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.

Bill.com

  • Invoice processingnot Klarna
  • Bill paymentsnot Klarna
  • Vendor paymentsnot Klarna
  • Cash flow managementnot Klarna
  • Financial automationnot Klarna

Klarna

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

Where each one falls short

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

Bill.com

  • Limited customization of approval workflows and user permissions for complex business needs
  • Limited international payment capabilities compared to specialists like Tipalti
  • Customer support response times are slow, with agents often lacking product expertise

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

Bill.com

Free
  • Essentials$49/month
    • Core AP and AR functionality
    • Manual CSV import/export
  • Team$65/month
    • Automatic 2-way sync with QuickBooks Online, Xero
  • Corporate$89/month
    • Procurement features
    • Custom approval policies
    • Sync with NetSuite, Dynamics

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 Bill.com if

  • You need ap automation.
  • You want to start without paying.
  • You also want ar automation.
Bill.com 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 Bill.com or Klarna better?
Neither clearly leads. Bill.com starts at Free and Klarna at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or Klarna?
Bill.com has a free tier; the other does not. Paid plans start at Free for Bill.com and On request for Klarna.
Does Bill.com or Klarna run on more platforms?
Bill.com runs on Web. Klarna runs on Web, iOS, Android.
Can I use Bill.com for free?
Yes. Bill.com has a free tier, so you can try it without paying. Klarna starts at On request.
What is Bill.com best used for?
Bill.com is most often used for invoice processing, bill payments, vendor payments, cash flow management. Of those, invoice processing and bill payments are not what Klarna is typically brought in for.
What can Bill.com do that Klarna cannot?
Bill.com covers AP automation, AR automation, Payment processing, Approval workflows. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

Bill.com: What payment methods does Bill.com support?

Bill.com supports ACH transfers, checks, corporate cards, and international transfers. ACH payments cost $0.59 per transaction, checks cost $1.99, and card payments incur a 2.9% fee.

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.

Bill.com: Does Bill.com offer a free tier?

Yes. Bill.com offers a free Spend & Expense plan for access to credit lines from $1,000-$5M with corporate cards, budgets, and expense tracking.

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.

Bill.com: Which accounting systems does Bill.com integrate with?

Bill.com integrates with QuickBooks Online, QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, and Xero, with automatic two-way syncing on most plans.

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.

Klarna: Is Klarna still independent?

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

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