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E-Commerce · head to head

Erply vs Klarna

Erply logo

Erply

E-Commerce

Cloud point of sale and retail management

From
$59/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: Erply priced per store per month rather than a flat company rate, starting at $49/store for the Giftshop & Grocery Chain plan with only 1 user account and 1 POS terminal included; 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 Erply and Klarna actually diverge.

Attributes where Erply and Klarna differ
AttributeErplyKlarna
Starting price$59/monthOn request
Pricing modelsubscriptionquote
PlatformsWebWeb, iOS, Android

Identical on both: 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 Erply

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.

Erply

  • Managing inventory across multiple retail locations in real-timenot Klarna
  • Synchronizing online store orders with physical point-of-salenot Klarna
  • Processing customer payments integrated with loyalty programsnot Klarna
  • Generating multi-location sales and inventory reportsnot Klarna

Klarna

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

Where each one falls short

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

Erply

  • Priced per store per month rather than a flat company rate, starting at $49/store for the Giftshop & Grocery Chain plan with only 1 user account and 1 POS terminal included
  • Multichannel Chains plan is limited to 2 user accounts at $179/store per month
  • POS for NetSuite starts at $1,800 per month and Franchise & Chain starts at $3,500 per month, both quote-adjusted from there
  • Cancellation requires a written request 30 days prior to the end of the billing cycle

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

Erply

$59/month
  • Giftshop & Grocery Chain$59/month
    • 1 user account
    • 1 point of sale terminal
    • For net sales turnover up to $25,000 per month
  • Multichannel Chains$199/month
    • 2 user accounts
    • 1 warehouse license
  • POS for NetSuite$1800/month
    • 2 user accounts
    • Inventory licensing
  • Franchise & Chain$3500/month
    • For 50+ store retail chains or franchises
    • Franchise HQ Module
    • Chain HQ Module

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 Erply if

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

Erply 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 Erply or Klarna better?
Neither clearly leads. Erply starts at $59/month and Klarna at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Erply or Klarna?
Erply starts at $59/month and Klarna at On request.
Does Erply or Klarna run on more platforms?
Erply runs on Web. Klarna runs on Web, iOS, Android.
What is Erply best used for?
Erply is most often used for managing inventory across multiple retail locations in real-time, synchronizing online store orders with physical point-of-sale, processing customer payments integrated with loyalty programs, generating multi-location sales and inventory reports. Of those, managing inventory across multiple retail locations in real-time and synchronizing online store orders with physical point-of-sale are not what Klarna is typically brought in for.
What can Erply 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

Erply: What payment options does Erply offer?

Erply offers both monthly and annual billing contracts. Payment is due in advance at the start of each billing cycle. Annual contracts receive discounts compared to monthly rates. Changes to payment take effect within 48 hours.

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.

Erply: Is there a free trial for Erply?

Erply offers free account creation with no credit card required to explore the platform. Users can create an account and test the service before committing to a paid plan.

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.

Erply: Can I cancel my Erply subscription?

Erply subscriptions can be cancelled, but require a written request submitted at least 30 days prior to the desired cancellation date.

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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