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Accounting · head to head

Invoice2go vs Klarna

Invoice2go logo

Invoice2go

Accounting

Mobile-first invoicing app for small businesses and freelancers

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: Invoice2go starter plan caps invoices at just 30 per year, forcing an upgrade for most active businesses.; 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: Invoice2go covers Invoice creation and customization, Klarna covers Pay in 4.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Invoice2go and Klarna actually diverge.

Attributes where Invoice2go and Klarna differ
AttributeInvoice2goKlarna
Pricing modelsubscriptionquote
CategoryAccountingE-Commerce

Identical on both: starting price (On request), 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 Invoice2go

  • Invoice creation and customization
  • Estimates and projects
  • In-app payments
  • Automated reminders
  • Accounting integrations
  • Team member access

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.

Invoice2go

  • Freelancers invoicing clients from a mobile devicenot Klarna
  • Small service businesses tracking estimates and projectsnot Klarna
  • Businesses wanting integrated card and ACH paymentsnot Klarna
  • Businesses syncing invoices with QuickBooks or Xeronot Klarna

Klarna

  • A fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basketnot Invoice2go
  • A merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkoutnot Invoice2go
  • A European retailer wanting a single hosted checkout that handles instalments, invoice and card in one flownot Invoice2go
  • A brand that wants distribution inside Klarna's shopping app as an acquisition channel rather than only a payment optionnot Invoice2go

Where each one falls short

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

Invoice2go

  • Starter plan caps invoices at just 30 per year, forcing an upgrade for most active businesses.
  • Card processing fees are higher than some dedicated payment processors.
  • Accounting integrations are limited to QuickBooks and Xero, excluding other platforms.
  • Premium plan requires roughly $100k+/year revenue to be cost-effective, per its own positioning.

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

Invoice2go

On request
  • Starter$undefined/month
    • 30 invoices/year
    • 3.5% card payment fee
    • Free ACH bank transfers
  • Professional$undefined/month
    • 100 invoices/year
    • 3% card payment fee
    • QuickBooks/Xero integration
  • Premium$undefined/month
    • Unlimited invoices
    • 2.9% card payment fee
    • Recurring invoices

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 Invoice2go if

  • You need invoice creation and customization.
  • You work on web, ios, android.
  • You also want estimates and projects.
Invoice2go 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 Invoice2go or Klarna better?
Neither clearly leads. Invoice2go 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, Invoice2go or Klarna?
Invoice2go starts at On request and Klarna at On request.
Does Invoice2go or Klarna run on more platforms?
Invoice2go runs on web, ios, android. Klarna runs on Web, iOS, Android.
What is Invoice2go best used for?
Invoice2go is most often used for freelancers invoicing clients from a mobile device, small service businesses tracking estimates and projects, businesses wanting integrated card and ach payments, businesses syncing invoices with quickbooks or xero. Of those, freelancers invoicing clients from a mobile device and small service businesses tracking estimates and projects are not what Klarna is typically brought in for.
What can Invoice2go do that Klarna cannot?
Invoice2go covers Invoice creation and customization, Estimates and projects, In-app payments, Automated reminders. Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

Invoice2go: What does Invoice2go cost?

Invoice2go offers three tiers - Starter (30 invoices/year), Professional (100 invoices/year), and Premium (unlimited invoices) - distinguished by invoice volume and card processing fees from 3.5% down to 2.9%.

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.

Invoice2go: Is there a free trial?

Yes, Invoice2go offers a 30-day free trial that requires a credit card but includes a 100% money-back guarantee if canceled within 30 days.

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.

Invoice2go: Does Invoice2go integrate with accounting software?

Yes, the Professional and Premium plans include integration with QuickBooks and Xero.

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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