Softwr

E-Commerce · head to head

Klarna vs SamCart

Klarna logo

Klarna

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
SamCart logo

SamCart

E-Commerce

The number one checkout platform

From
$79/month
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.; SamCart no feature differentiation between CORE and PRO tiers, pricing tier based on expected transaction volume only
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Klarna and SamCart actually diverge.

Attributes where Klarna and SamCart differ
AttributeKlarnaSamCart
Starting priceOn request$79/month
Pricing modelquotesubscription
PlatformsWeb, iOS, AndroidWeb

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 SamCart

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

SamCart

  • Increasing average order value through automated order bumps and upsellsnot Klarna
  • Recovering failed subscription payments with retry logic and dunning managementnot Klarna
  • Generating sales pages, emails, and ads with AI from product descriptionsnot Klarna
  • Sending cart abandonment recovery emails without customer re-entrynot Klarna
  • Migrating existing customer bases from competing platforms without data lossnot 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.

SamCart

  • No feature differentiation between CORE and PRO tiers, pricing tier based on expected transaction volume only
  • Transaction fees of 2.9% plus $0.30 apply to all plans

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

SamCart

$79/month
  • CORE$79/month
    • All features included
  • PRO$199/month
    • All features included

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 SamCart if

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

SamCart review

Questions people ask

Is Klarna or SamCart better?
Neither clearly leads. Klarna starts at On request and SamCart at $79/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Klarna or SamCart?
Klarna starts at On request and SamCart at $79/month.
Does Klarna or SamCart run on more platforms?
Klarna runs on Web, iOS, Android. SamCart 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 SamCart is typically brought in for.
What can Klarna do that SamCart 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.

SamCart: How much does SamCart cost?

SamCart offers two subscription tiers: CORE at $79/month and PRO at $199/month. Both plans include all features with no restrictions between tiers.

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.

SamCart: What are SamCart's transaction fees?

SamCart charges a transaction fee of 2.9% plus $0.30 per transaction on all payments processed through the platform.

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.

SamCart: Does SamCart offer a free trial?

Yes, SamCart offers a 7-day free trial available for both the CORE and PRO plans, allowing customers to test the platform before committing to a subscription.

Source
Klarna: Is Klarna still independent?

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

SamCart: Does SamCart offer migration services from other platforms?

Yes, SamCart offers done-for-you migration services for customers switching from Kajabi, ThriveCart, ClickFunnels, Shopify, and Teachable. Specific pricing for migration services is not listed on the main page.

Source
Share

Related pages

More on Klarna

More on SamCart

Keep looking

Other head to heads