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E-Commerce · head to head

Checkout.com vs Klarna

Checkout.com logo

Checkout.com

E-Commerce

Your business deserves tailored pricing based on your needs

From
On request
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: Checkout.com no rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales; 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.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where Checkout.com and Klarna differ
AttributeCheckout.comKlarna
PlatformsWebWeb, iOS, Android

Identical on both: starting price (On request), pricing model (quote), 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 Checkout.com

Nothing recorded that Klarna does not also cover.

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.

Checkout.com

  • Processing card payments across 150+ currenciesnot Klarna
  • Taking domestic payments in 45+ countriesnot Klarna
  • Interchange plus plus processing for a business that wants itemised card association and processor costsnot Klarna

Klarna

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

Where each one falls short

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

Checkout.com

  • No rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales
  • Both a flat rate and interchange plus plus are offered without either being quoted, so a buyer cannot tell which model they will be given
  • Every route to a number runs through the sales team

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

Checkout.com

On request

No published plan breakdown. See the Checkout.com review.

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 Checkout.com if

Nothing in the data separates Checkout.com from Klarna on the points above - pick on price and on how each one feels to use.

Checkout.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 Checkout.com or Klarna better?
Neither clearly leads. Checkout.com starts at On request and Klarna at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Checkout.com or Klarna?
Checkout.com starts at On request and Klarna at On request.
Does Checkout.com or Klarna run on more platforms?
Checkout.com runs on Web. Klarna runs on Web, iOS, Android.
What is Checkout.com best used for?
Checkout.com is most often used for processing card payments across 150+ currencies, taking domestic payments in 45+ countries, interchange plus plus processing for a business that wants itemised card association and processor costs. Of those, processing card payments across 150+ currencies and taking domestic payments in 45+ countries are not what Klarna is typically brought in for.
What can Checkout.com do that Klarna cannot?
Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

Checkout.com: How is Checkout.com pricing structured?

Checkout.com offers flat-rate pricing based on your business profile and risk category. They also provide interchange++ pricing model showing transparent card association and processor fees. No setup fees, account maintenance fees, or surprise charges are applied.

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.

Checkout.com: Does Checkout.com offer pricing for nonprofits?

Yes, Checkout.com provides free payment processing for registered charities in countries where they operate. Contact their sales team to verify eligibility and activate the charity program.

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.

Checkout.com: What support is included in Checkout.com pricing?

All plans include dedicated account management, risk and fraud management tools, and integration support at no additional cost.

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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