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Cybersecurity · head to head

Envysion vs Klarna

Envysion logo

Envysion

Cybersecurity

Managed video for restaurants and convenience stores that pairs camera footage with point of sale transaction data

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: Envysion envysion now sits inside Motorola Solutions alongside Avigilon and Pelco, which overlap with it in retail video, so buyers should establish which platform Motorola intends to invest in before committing to a multi-year multi-site agreement.; 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: Envysion covers Point of sale exception reporting, Klarna covers Pay in 4.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Envysion and Klarna actually diverge.

Attributes where Envysion and Klarna differ
AttributeEnvysionKlarna
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 Envysion

  • Point of sale exception reporting
  • Cloud video review
  • Audio capture
  • Loss prevention case management
  • Operational auditing
  • Multi-site dashboards
  • Franchise access controls
  • Managed service model

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.

Envysion

  • A 300-store quick service chain where till voids and refunds are a known shrink channelnot Klarna
  • A convenience retailer needing drive-through audio and video to settle a customer disputenot Klarna
  • A franchisor auditing food safety and uniform compliance across franchisee sites remotelynot Klarna
  • An investigator building an evidence package for a termination that will be challengednot Klarna

Klarna

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

Where each one falls short

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

Envysion

  • Envysion now sits inside Motorola Solutions alongside Avigilon and Pelco, which overlap with it in retail video, so buyers should establish which platform Motorola intends to invest in before committing to a multi-year multi-site agreement.
  • Point of sale integration is per till system, so a chain running two or three POS platforms across acquired brands may find exception reporting works properly in only some of its stores.
  • No pricing is published and it is sold as a per-site managed service, usually on a multi-year agreement, so a chain closing or refranchising stores mid-term can be paying for locations it no longer operates.
  • It is built specifically for till-level retail and restaurant loss prevention and is a poor fit for campus, industrial or office security, so an operator with a mixed estate needs a second platform for the head office.
  • Each site typically needs recording hardware installed, which makes rollout an install project per location rather than a software subscription, and refreshing that hardware is a periodic capital event the subscription does not cover.

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

Envysion

On request
  • Envysion managed video$undefined/year
    • Priced per site as a managed service
    • Recording hardware typically required in each location
    • Point of sale integration scoped per till system

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 Envysion if

  • You need point of sale exception reporting.
  • You work on Web, iOS, Android.
  • You also want cloud video review.
Envysion 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 Envysion or Klarna better?
Neither clearly leads. Envysion 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, Envysion or Klarna?
Envysion starts at On request and Klarna at On request.
Does Envysion or Klarna run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Envysion best used for?
Envysion is most often used for a 300-store quick service chain where till voids and refunds are a known shrink channel, a convenience retailer needing drive-through audio and video to settle a customer dispute, a franchisor auditing food safety and uniform compliance across franchisee sites remotely, an investigator building an evidence package for a termination that will be challenged. Of those, a 300-store quick service chain where till voids and refunds are a known shrink channel and a convenience retailer needing drive-through audio and video to settle a customer dispute are not what Klarna is typically brought in for.
What can Envysion do that Klarna cannot?
Envysion covers Point of sale exception reporting, Cloud video review, Audio capture, Loss prevention case management. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

Envysion: Who owns Envysion?

Motorola Solutions. It sits in the same video security portfolio as Avigilon, Pelco and Openpath.

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.

Envysion: What makes it different from a cloud camera service?

The point of sale integration. Exception reports link a void, refund or discount directly to the clip of that transaction, which is what makes multi-site review practical.

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.

Envysion: Is pricing published?

No. It is quoted per site as a managed service, typically on a multi-year agreement.

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.

Envysion: Will it work with my point of sale system?

Integration is built per POS platform, so confirm your specific system and version before buying, especially across acquired brands.

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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