Softwr

Cybersecurity · head to head

DTiQ vs Klarna

DTiQ logo

DTiQ

Cybersecurity

Managed video loss prevention with human auditors for restaurants, convenience stores and retail

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: DTiQ you are buying labour, so the cost per site is far higher than a self-service video licence and it does not fall as camera prices do.; 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: DTiQ covers SmartAudit, Klarna covers Pay in 4.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which DTiQ and Klarna actually diverge.

Attributes where DTiQ and Klarna differ
AttributeDTiQKlarna
CategoryCybersecurityE-Commerce

Identical on both: starting price (On request), pricing model (quote), 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 DTiQ

  • SmartAudit
  • POS transaction linking
  • 360iQ platform
  • Exception alerting
  • Drive-through timing
  • Food safety and compliance checks
  • Managed installation

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.

DTiQ

  • A multi-unit quick service franchisee who has no one available to review video across fifteen storesnot Klarna
  • A convenience store chain investigating till fraud by matching voids to what actually happened at the counternot Klarna
  • An operator enforcing drive-through service time standards across locations from evidence rather than anecdotenot Klarna
  • A brand auditing food safety and cleanliness compliance at franchise sites without sending a field managernot Klarna

Klarna

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

Where each one falls short

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

DTiQ

  • You are buying labour, so the cost per site is far higher than a self-service video licence and it does not fall as camera prices do.
  • Audits are sampled, not continuous, so a problem outside the reviewed window is invisible and the score is a statistical impression rather than a complete record.
  • Nothing is published on price and the commercial shape is a multi-year managed service agreement, which is harder to exit than a software subscription and typically involves bundled hardware you do not own.
  • Ownership changed in a $200 million Digital Alpha led investment tied to a Cisco Meraki partnership, so the hardware and network roadmap may shift under an existing estate.
  • It is built around restaurant, convenience and retail operating models, so an organisation outside those verticals gets a generic video product and pays for an audit methodology that does not fit its work.

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

DTiQ

On request
  • DTiQ managed service$undefined/month
    • Priced per location as a managed service, not per camera
    • Audit frequency and scope determine the rate
    • Hardware and installation bundled into the service agreement

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 DTiQ if

  • You need smartaudit.
  • You work on Web, iOS, Android.
  • You also want pos transaction linking.
DTiQ 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 DTiQ or Klarna better?
Neither clearly leads. DTiQ 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, DTiQ or Klarna?
DTiQ starts at On request and Klarna at On request.
Does DTiQ or Klarna run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is DTiQ best used for?
DTiQ is most often used for a multi-unit quick service franchisee who has no one available to review video across fifteen stores, a convenience store chain investigating till fraud by matching voids to what actually happened at the counter, an operator enforcing drive-through service time standards across locations from evidence rather than anecdote, a brand auditing food safety and cleanliness compliance at franchise sites without sending a field manager. Of those, a multi-unit quick service franchisee who has no one available to review video across fifteen stores and a convenience store chain investigating till fraud by matching voids to what actually happened at the counter are not what Klarna is typically brought in for.
What can DTiQ do that Klarna cannot?
DTiQ covers SmartAudit, POS transaction linking, 360iQ platform, Exception alerting. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

DTiQ: Is DTiQ a video management system?

Not primarily. It is a managed service where human auditors review your footage and deliver scored reports. The platform exists to support that service.

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.

DTiQ: How is it priced?

Per location as a managed service, based on audit scope and frequency, with hardware and installation bundled. Nothing is published.

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.

DTiQ: Who owns DTiQ?

Digital Alpha holds a majority stake following a $200 million investment that bought out Bain Capital, BV Investment Partners and others, alongside a Cisco Meraki partnership.

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.

DTiQ: Does it integrate with my POS?

Yes, with major restaurant and convenience store point of sale systems, which is what allows transaction exceptions to be replayed on video.

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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