Softwr

E-Commerce · head to head

Klarna vs Retail Pro

Klarna logo

Klarna

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Retail Pro logo

Retail Pro

E-Commerce

Comprehensive retail management software

From
On request
Rated
-
Full reviewWebsite

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.; Retail Pro pricing details not disclosed; requires sales consultation
  • They diverge on capability: Klarna covers Pay in 4, Retail Pro covers Point of sale.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Klarna and Retail Pro actually diverge.

Attributes where Klarna and Retail Pro differ
AttributeKlarnaRetail Pro
Pricing modelquoteUnknown
PlatformsWeb, iOS, AndroidiOS, Android, Windows
FoundedUnknown1988

Identical on both: starting price (On request), 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 Retail Pro

  • Point of sale
  • Inventory management
  • Customer database
  • Employee management
  • Sales analytics
  • Promotion management
  • Multi-store support
  • Reporting tools

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 Retail Pro
  • A merchant selling to younger shoppers who have low credit card penetration and would otherwise abandon at checkoutnot Retail Pro
  • A European retailer wanting a single hosted checkout that handles instalments, invoice and card in one flownot Retail Pro
  • A brand that wants distribution inside Klarna's shopping app as an acquisition channel rather than only a payment optionnot Retail Pro

Retail Pro

  • Multi-location retail POS operations (1 to 250+ stores)not Klarna
  • Inventory management with serialized product trackingnot Klarna
  • Customer loyalty programs via AppCard integrationnot 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.

Retail Pro

  • Pricing details not disclosed; requires sales consultation
  • No published technical requirements or system specifications
  • International deployment requires fiscal/tax compliance consultation per region

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

Retail Pro

On request

No published plan breakdown. See the Retail Pro review.

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 Retail Pro if

  • You need point of sale.
  • You work on iOS, Android, Windows.
  • You also want inventory management.
Retail Pro review

Questions people ask

Is Klarna or Retail Pro better?
Neither clearly leads. Klarna starts at On request and Retail Pro at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Klarna or Retail Pro?
Klarna starts at On request and Retail Pro at On request.
Does Klarna or Retail Pro run on more platforms?
Klarna runs on Web, iOS, Android. Retail Pro runs on iOS, Android, Windows.
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 Retail Pro is typically brought in for.
What can Klarna do that Retail Pro cannot?
Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement. Retail Pro covers Point of sale, Inventory management, Customer database, Employee management.

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.

Retail Pro: How much does Retail Pro cost?

Retail Pro does not publish specific pricing on its website. The company describes a 'Pay As You Grow' model but directs interested retailers to request a consultation or brochure to obtain actual pricing quotes customized to their business needs.

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.

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.

Share

Related pages

More on Klarna

More on Retail Pro

Keep looking

Other head to heads