Softwr

E-Commerce · head to head

FullStory vs Klarna

FullStory logo

FullStory

E-Commerce

Digital experience intelligence platform

From
Free
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

  • Only FullStory has a free tier, so it costs nothing to try first.
  • Each has a real cost: FullStory free tier limited to 30,000 sessions per month, no 5,000+ monthly active user sites; 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: FullStory covers Session replay, Klarna covers Pay in 4.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which FullStory and Klarna actually diverge.

Attributes where FullStory and Klarna differ
AttributeFullStoryKlarna
Starting priceFreeOn request
Free tierYesNo
PlatformsWeb, MobileWeb, iOS, Android
Founded2014Unknown

Identical on both: pricing model (quote), 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 FullStory

  • Session replay
  • Heatmaps
  • Conversion funnels
  • User journey mapping
  • Error tracking
  • Frustration signals
  • Search functionality
  • Custom events

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.

FullStory

  • User experience analysisnot Klarna
  • Bug reproductionnot Klarna
  • Conversion optimizationnot Klarna
  • Customer supportnot Klarna
  • Product developmentnot Klarna

Klarna

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

Where each one falls short

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

FullStory

  • Free tier limited to 30,000 sessions per month, no 5,000+ monthly active user sites
  • Personal email addresses cannot be used for signup; business email domain required
  • Paid plan pricing not publicly listed, requires sales contact for quotes
  • Free plan has no email support, only community-based assistance
  • Mobile app analytics requires a separate add-on purchase

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

FullStory

Free
  • FreeFree
    • 1,000 sessions/month
    • 14-day data retention
    • Basic analytics
  • Business$undefined/month
    • Custom sessions
    • 3-month retention
    • Advanced analytics
  • Enterprise$undefined/month
    • Unlimited sessions
    • Custom retention
    • Advanced privacy controls

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 FullStory if

  • You need session replay.
  • You want to start without paying.
  • You work on Web, Mobile.
  • You also want heatmaps.
FullStory 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 FullStory or Klarna better?
Neither clearly leads. FullStory starts at Free and Klarna at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FullStory or Klarna?
FullStory has a free tier; the other does not. Paid plans start at Free for FullStory and On request for Klarna.
Does FullStory or Klarna run on more platforms?
FullStory runs on Web, Mobile. Klarna runs on Web, iOS, Android.
Can I use FullStory for free?
Yes. FullStory has a free tier, so you can try it without paying. Klarna starts at On request.
What is FullStory best used for?
FullStory is most often used for user experience analysis, bug reproduction, conversion optimization, customer support. Of those, user experience analysis and bug reproduction are not what Klarna is typically brought in for.
What can FullStory do that Klarna cannot?
FullStory covers Session replay, Heatmaps, Conversion funnels, User journey mapping. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

FullStory: What does FullStory's free tier include?

30,000 sessions per month, 10 user seats, 5,000 server-side events per month, 1 year of session replay retention, and 1 year of product analytics retention. Session capture pauses when you exceed the monthly limit, though existing sessions remain accessible.

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.

FullStory: What features are excluded from the free plan?

Dashboards, configurable form privacy, Go-Live functionality, Streams, client-side rate hooks, mobile app analytics, and StoryAI are not available on the free tier. Email support is also unavailable; only community-based help is provided.

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.

FullStory: Can I use a personal email to sign up for FullStory's free plan?

No. FullStory requires a business email domain for signup; personal email services like Gmail cannot be used for free plan registration.

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.

FullStory: How does FullStory integrate with Slack?

FullStory's Slack integration allows individual users to send noteworthy sessions to Slack channels. Advanced and Enterprise plans can configure Alerts to receive notifications in Slack when user metrics exceed defined thresholds.

Source
Klarna: Is Klarna still independent?

Yes. It listed on the New York Stock Exchange in September 2025 and holds a Swedish banking licence.

FullStory: What analytics platforms does FullStory integrate with?

FullStory integrates with Segment, Mixpanel, Adobe Analytics, Google Analytics, Salesforce, HubSpot, and others. These integrations allow you to attach FullStory session URLs to events in your analytics platform for cross-platform correlation.

Source
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