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Fashion · head to head

CBX Software vs Klarna

CBX Software logo

CBX Software

Fashion

Business management software for fashion retailers

From
$250/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: CBX Software no public pricing disclosed; requires sales contact for enterprise pricing; 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: CBX Software covers Point of sale, Klarna covers Pay in 4.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which CBX Software and Klarna actually diverge.

Attributes where CBX Software and Klarna differ
AttributeCBX SoftwareKlarna
Starting price$250/monthOn request
Pricing modelsubscriptionquote
CategoryFashionE-Commerce
Founded1995Unknown

Identical on both: free tier (No), platforms (Web, iOS, Android), 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 CBX Software

  • Point of sale
  • Inventory management
  • Financial management
  • Customer management
  • Report generation
  • Multi-store management
  • Payment systems
  • Supplier systems

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.

CBX Software

  • Retail operationsnot Klarna
  • Financial managementnot Klarna

Klarna

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

Where each one falls short

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

CBX Software

  • No public pricing disclosed; requires sales contact for enterprise pricing
  • ERP integration depth rated 3.6 out of 5 by Gartner reviewers, with gaps limiting data flow
  • Analytics and reporting capabilities weaker than dedicated business intelligence tools
  • Pre-built connector catalog breadth not transparently published
  • Quality management features designed for retail and private-label bias, not regulated industries like pharma or automotive

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

CBX Software

$250/month
  • Essentials$250/month
    • Core modules
  • Professional$500/month
    • All modules
  • Enterprise$undefined/month
    • Custom solution

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 CBX Software if

  • You need point of sale.
  • You work on Web, iOS, Android.
  • You also want inventory management.
CBX Software 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 CBX Software or Klarna better?
Neither clearly leads. CBX Software starts at $250/month and Klarna at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, CBX Software or Klarna?
CBX Software starts at $250/month and Klarna at On request.
Does CBX Software or Klarna run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is CBX Software best used for?
CBX Software is most often used for retail operations, financial management. Of those, retail operations and financial management are not what Klarna is typically brought in for.
What can CBX Software do that Klarna cannot?
CBX Software covers Point of sale, Inventory management, Financial management, Customer management. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

CBX Software: Does TradeBeyond (formerly CBX Software) work offline?

Yes. The mobile platform allows users to record factory audits, product inspections, and sample results offline, then synchronize data via WiFi or cellular networks back to the platform.

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.

CBX Software: What integrations does TradeBeyond support?

Pre-built connectors and APIs integrate with ERPs including SAP, Oracle, NetSuite, Microsoft Dynamics, as well as Xero and QuickBooks for accounting. The platform also connects to warehouse management, transportation management, and third-party systems.

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.

CBX Software: What industries does CBX Software serve beyond fashion?

CBX Software serves fashion, general merchandise, furniture, pet supplies, hardware, home decor, and value-brand retailers. It focuses on mid-tier to enterprise retailers and brands.

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.

CBX Software: How many users and customers does the platform support?

TradeBeyond has over 20,000 users collaborating across the platform in more than 50 countries, including major retailers like Target, Safeway, and Kmart.

Source
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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