Is Klarna or Loox better?

Neither clearly leads. Klarna starts at On request and Loox at $14.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Klarna or Loox?

Klarna starts at On request and Loox at $14.99/month.

Does Klarna or Loox run on more platforms?

Klarna runs on Web, iOS, Android. Loox runs on Web.

What is Klarna best used for?

Klarna is most often used for a fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basket, a merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkout, a european retailer wanting a single hosted checkout that handles instalments, invoice and card in one flow, a brand that wants distribution inside klarna's shopping app as an acquisition channel rather than only a payment option. Of those, a fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basket and a merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkout are not what Loox is typically brought in for.

What can Klarna do that Loox cannot?

Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

E-Commerce · head to head

Klarna vs Loox

Klarna

E-Commerce

Buy now pay later and instalment checkout for online and in-store merchants

From: On request
Rated: -

Full review Website

Loox

E-Commerce

Photo reviews and referrals for Shopify stores

From: $14.99/month
Rated: -

Full review Website

The short version

Each has a real cost: 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.; Loox beginner plan limited to 500 total orders
Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Klarna and Loox actually diverge.

Attributes where Klarna and Loox differ
Attribute	Klarna	Loox
Starting price	On request	$14.99/month
Pricing model	quote	subscription
Platforms	Web, iOS, Android	Web

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 Klarna

Pay in 4
Pay in 30 days
Longer-term financing
Klarna app placement
Klarna Checkout
In-store payments
On-site messaging
Merchant portal

Only in Loox

Nothing recorded that Klarna does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Klarna

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

Loox

Collecting visual reviews and customer photosnot Klarna
Displaying reviews across product pages and checkoutnot Klarna
Syncing reviews across multiple sales channelsnot Klarna
Running referral and discount programs from reviewsnot Klarna

Where each one falls short

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

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.

Loox

Beginner plan limited to 500 total orders
Convert plan costs $35 more monthly than Beginner but enables unlimited orders
Pricing specific to Shopify stores, not available for other platforms

Pricing, plan by plan

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

Loox

$14.99/month

Beginner$14.99/month
- Up to 500 total orders
- Review request emails
- Discount for photo reviews
Convert$49.99/month
- Unlimited orders
- Smart visual sorting
- Review highlights
Unlimited$299.99/month
- Unlimited review requests
- Unlimited referrals
- Priority support

Which should you pick?

Choose Klarna if

You need pay in 4.
You work on Web, iOS, Android.
You also want pay in 30 days.

Klarna review

Choose Loox if

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

Loox review

Questions people ask

Is Klarna or Loox better?: Neither clearly leads. Klarna starts at On request and Loox at $14.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Klarna or Loox?: Klarna starts at On request and Loox at $14.99/month.
Does Klarna or Loox run on more platforms?: Klarna runs on Web, iOS, Android. Loox runs on Web.
What is Klarna best used for?: Klarna is most often used for a fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basket, a merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkout, a european retailer wanting a single hosted checkout that handles instalments, invoice and card in one flow, a brand that wants distribution inside klarna's shopping app as an acquisition channel rather than only a payment option. Of those, a fashion or furniture retailer with average order values high enough that a 3% fee uplift is repaid by a larger basket and a merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkout are not what Loox is typically brought in for.
What can Klarna do that Loox cannot?: Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement.

Answered from the vendors’ own pages

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.

Loox: How much does Loox cost?

Loox pricing starts at $14.99 per month for the Beginner plan, $49.99 per month for Convert, and $299.99 per month for Unlimited. Billing occurs through Shopify with no annual commitment required.

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.

Loox: What is the main difference between Loox's Beginner and Convert plans?

Beginner plan is limited to 500 total orders and includes basic review features. Convert allows unlimited orders and adds smart visual sorting, video reviews, Google Shopping integration, AI review stories, auto-translated reviews, and AI review replies.

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.

Loox: Is there a free version of Loox?

Loox offers a free trial to start, but paid plans begin at $14.99 per month. No permanent free version is available.

Source

Klarna: Is Klarna still independent?

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

Klarna vs Loox

Klarna

Loox

The short version

Where they differ

What each one covers

Only in Klarna

Only in Loox

What people use each for

Klarna

Loox

Where each one falls short

Klarna

Loox

Pricing, plan by plan

Klarna

Loox

Which should you pick?

Choose Klarna if

Choose Loox if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Klarna

More on Loox

Keep looking

Other head to heads