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Restaurants · head to head

Foodics vs Klarna

Foodics logo

Foodics

Restaurants

Cloud restaurant point of sale, payments and lending built for the Middle East and North Africa

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: Foodics it is sold only in its supported Middle East and North Africa markets, so a group expanding into Europe or North America has to run a second point of sale platform there.; 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: Foodics covers Arabic and English interfaces, Klarna covers Pay in 4.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Foodics and Klarna actually diverge.

Attributes where Foodics and Klarna differ
AttributeFoodicsKlarna
CategoryRestaurantsE-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 Foodics

  • Arabic and English interfaces
  • ZATCA electronic invoicing
  • Integrated payments
  • Inventory and cost control
  • Regional delivery integration
  • Merchant lending

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.

Foodics

  • A Saudi restaurant group that must satisfy ZATCA electronic invoicing without building it itselfnot Klarna
  • A cafe chain in the Gulf needing Arabic interfaces for staff and Arabic receipts for customersnot Klarna
  • An operator wanting local delivery platforms integrated rather than worked on separate tabletsnot Klarna
  • A growing regional chain that wants POS, payments and working capital from one providernot Klarna

Klarna

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

Where each one falls short

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

Foodics

  • It is sold only in its supported Middle East and North Africa markets, so a group expanding into Europe or North America has to run a second point of sale platform there.
  • Revenue comes from payment processing rather than software, so a low subscription usually accompanies a processing rate that costs far more over a year than the licence does.
  • Merchant lending is underwritten against the card volume flowing through the platform, which makes switching vendors mid facility commercially awkward.
  • Feature depth is strongest in quick service and cafe formats; fine dining coursing, complex table management and hotel outlet workflows are thinner.
  • Support quality and reseller capability vary noticeably by country, so an implementation in a smaller market is not the same experience as one in Riyadh.

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

Foodics

On request
  • Foodics$undefined/year
    • Subscription quoted per branch with tiers by feature set
    • Terminals and payment hardware quoted with the agreement
    • Card processing rates negotiated separately and are the main vendor revenue

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 Foodics if

  • You need arabic and english interfaces.
  • You work on Web, iOS, Android.
  • You also want zatca electronic invoicing.
Foodics 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 Foodics or Klarna better?
Neither clearly leads. Foodics 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, Foodics or Klarna?
Foodics starts at On request and Klarna at On request.
Does Foodics or Klarna run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Foodics best used for?
Foodics is most often used for a saudi restaurant group that must satisfy zatca electronic invoicing without building it itself, a cafe chain in the gulf needing arabic interfaces for staff and arabic receipts for customers, an operator wanting local delivery platforms integrated rather than worked on separate tablets, a growing regional chain that wants pos, payments and working capital from one provider. Of those, a saudi restaurant group that must satisfy zatca electronic invoicing without building it itself and a cafe chain in the gulf needing arabic interfaces for staff and arabic receipts for customers are not what Klarna is typically brought in for.
What can Foodics do that Klarna cannot?
Foodics covers Arabic and English interfaces, ZATCA electronic invoicing, Integrated payments, Inventory and cost control. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

Foodics: Does it handle Saudi electronic invoicing?

Yes. ZATCA electronic invoicing requirements are supported in the platform, which is a principal reason Saudi operators choose it.

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.

Foodics: Can I use my own payment provider?

It is possible in some markets, but the commercial model is built around Foodics payments and the subscription pricing reflects that.

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.

Foodics: Is it available outside the Middle East?

No. It is sold in Gulf markets and Egypt, and there is no general availability in Europe or North America.

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.

Foodics: Does it work in Arabic throughout?

Yes, including right to left interfaces, Arabic receipts and Arabic reporting rather than a partial translation.

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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