Softwr

E-Commerce · head to head

commercetools vs Klarna

commercetools logo

commercetools

E-Commerce

The Digital Commerce AI Company

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: commercetools no published pricing: customers cannot see costs, tier details, or feature breakdowns 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 commercetools and Klarna actually diverge.

Attributes where commercetools and Klarna differ
AttributecommercetoolsKlarna
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 commercetools

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.

commercetools

  • Composable commerce platforms for enterprise retailersnot Klarna
  • B2C and B2B commerce API infrastructurenot Klarna
  • Multi-region commerce operationsnot Klarna

Klarna

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

Where each one falls short

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

commercetools

  • No published pricing: customers cannot see costs, tier details, or feature breakdowns before contacting sales
  • Order-based pricing opacity: described as 'transparent' but actual fee structure per order is undisclosed
  • Free trial time-gate: 60-day trial does not reveal production pricing for ongoing operations
  • Marketplace distribution unclear: availability on Google Cloud and AWS Marketplaces implies pricing varies by channel without transparency

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

commercetools

On request

No published plan breakdown. See the commercetools 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 commercetools if

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

commercetools 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 commercetools or Klarna better?
Neither clearly leads. commercetools 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, commercetools or Klarna?
commercetools starts at On request and Klarna at On request.
Does commercetools or Klarna run on more platforms?
commercetools runs on Web. Klarna runs on Web, iOS, Android.
What is commercetools best used for?
commercetools is most often used for composable commerce platforms for enterprise retailers, b2c and b2b commerce api infrastructure, multi-region commerce operations. Of those, composable commerce platforms for enterprise retailers and b2c and b2b commerce api infrastructure are not what Klarna is typically brought in for.
What can commercetools 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

commercetools: Does commercetools publish pricing online?

No. Pricing is not published on their website. Customers must contact sales, start a free 60-day trial, or purchase through Google Cloud or AWS Marketplaces to discuss pricing.

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.

commercetools: What is the pricing model for commercetools?

commercetools uses order-based pricing (not Gross Merchandise Value dependent) described as 'transparent and growth-friendly' with 'no hidden fees or penalties for scaling,' but exact per-order costs are disclosed only through sales consultation.

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.

commercetools: Does commercetools offer a free trial?

Yes. A 60-day free trial includes full access to production-ready infrastructure, APIs, tools, and preloaded sample B2C/B2B data, with the option to move MVP to production without setup costs.

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.

Share

Related pages

More on commercetools

More on Klarna

Keep looking

Other head to heads