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Restaurants · head to head

Clover vs Klarna

Clover logo

Clover

Restaurants

Point of sale system that grows with your business

From
$29/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: Clover the App Store listing (Clover Network, Inc) requires an existing Clover merchant account to use the app at all; there is no self-serve signup or published subscription price inside the listing, confirming the product is sold only through merchant onboarding contracts; 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: Clover covers POS system, Klarna covers Pay in 4.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Clover and Klarna actually diverge.

Attributes where Clover and Klarna differ
AttributeCloverKlarna
Starting price$29/monthOn request
Pricing modelsubscriptionquote
PlatformsHardware, Ios, AndroidWeb, iOS, Android
CategoryRestaurantsE-Commerce
Founded2012Unknown

Identical on both: free tier (No), 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 Clover

  • POS system
  • Payment processing
  • Inventory management
  • Employee management
  • Reporting
  • QuickBooks
  • Yelp
  • Gusto

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.

Clover

  • Point of salenot Klarna
  • Payment processingnot Klarna
  • Business 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 Clover
  • A merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkoutnot Clover
  • A European retailer wanting a single hosted checkout that handles instalments, invoice and card in one flownot Clover
  • A brand that wants distribution inside Klarna's shopping app as an acquisition channel rather than only a payment optionnot Clover

Where each one falls short

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

Clover

  • The App Store listing (Clover Network, Inc) requires an existing Clover merchant account to use the app at all; there is no self-serve signup or published subscription price inside the listing, confirming the product is sold only through merchant onboarding contracts

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

Clover

$29/month
  • StarterFree
    • Mobile payments
    • Basic reporting
  • Standard$14.95/month
    • Full POS
    • Employee management
    • Inventory

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 Clover if

  • You need pos system.
  • You work on Hardware, Ios, Android.
  • You also want payment processing.
Clover 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 Clover or Klarna better?
Neither clearly leads. Clover starts at $29/month and Klarna at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Clover or Klarna?
Clover starts at $29/month and Klarna at On request.
Does Clover or Klarna run on more platforms?
Clover runs on Hardware, Ios, Android. Klarna runs on Web, iOS, Android.
What is Clover best used for?
Clover is most often used for point of sale, payment processing, business management. Of those, point of sale and payment processing are not what Klarna is typically brought in for.
What can Clover do that Klarna cannot?
Clover covers POS system, Payment processing, Inventory management, Employee management. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

Clover: Does Clover publish pricing on their website?

Pricing is not shown on Clover's main site or dedicated pricing page. To get a quote, you must contact their sales team directly.

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.

Clover: Do I need a credit card to try Clover?

The site does not disclose whether a trial period exists or what sign-up requirements are. Contact sales to ask whether a free trial is available and what payment information is required.

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.

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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