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E-Commerce · head to head

Klarna vs Sellfy

Klarna logo

Klarna

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Sellfy logo

Sellfy

E-Commerce

Ecommerce platform for creators and entrepreneurs

From
$22/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.; Sellfy every plan caps annual sales volume: $10k on Starter, $50k on Business and $200k on Premium
  • They diverge on capability: Klarna covers Pay in 4, Sellfy covers Physical & digital products.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Klarna and Sellfy actually diverge.

Attributes where Klarna and Sellfy differ
AttributeKlarnaSellfy
Starting priceOn request$22/month
Pricing modelquotesubscription
PlatformsWeb, iOS, AndroidWeb
FoundedUnknown2013

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 Sellfy

  • Physical & digital products
  • Membership/subscription sales
  • Email marketing
  • Marketing automation
  • Affiliate program
  • Analytics
  • Mobile app
  • Multi-currency support

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

Sellfy

  • Selling digital downloads, subscriptions or print on demand goods from a hosted storefrontnot Klarna
  • Running a small creator store without building a sitenot 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.

Sellfy

  • Every plan caps annual sales volume: $10k on Starter, $50k on Business and $200k on Premium
  • Exceeding the cap forces a plan upgrade rather than an overage charge, so growth is a step change in cost
  • Maximum file size per digital product is tied to the plan, at 10 GB, 15 GB and 20 GB
  • Email marketing credits are metered per plan, from 2,000 to 50,000
  • Cart abandonment, upselling and the affiliate programme all require the Business plan
  • Payment processing fees from PayPal or Stripe are charged on top of the subscription

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

Sellfy

$22/month
  • Starter$22/month
    • From $22/month with annual billing (or $39/month with monthly billing)
    • Basic e-commerce features for digital and physical products
  • Business$null/month
    • Mid-tier option with expanded capabilities
  • Premium$null/month
    • Highest tier with up to 20GB per digital product file storage

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 Sellfy if

  • You need physical & digital products.
  • You also want membership/subscription sales.
Sellfy review

Questions people ask

Is Klarna or Sellfy better?
Neither clearly leads. Klarna starts at On request and Sellfy at $22/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Klarna or Sellfy?
Klarna starts at On request and Sellfy at $22/month.
Does Klarna or Sellfy run on more platforms?
Klarna runs on Web, iOS, Android. Sellfy 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 Sellfy is typically brought in for.
What can Klarna do that Sellfy cannot?
Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement. Sellfy covers Physical & digital products, Membership/subscription sales, Email marketing, Marketing automation.

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.

Sellfy: How much does Sellfy cost?

Sellfy starts at $22/month for the Starter plan with annual billing ($39/month with monthly billing). Higher tiers (Business and Premium) are available but specific pricing requires contacting sales or visiting the pricing page.

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.

Sellfy: Does Sellfy charge transaction fees?

No, Sellfy charges zero transaction fees on sales, unlike competitors such as Gumroad which charges 10%. If revenue exceeds a plan limit, a 2% fee may apply unless you upgrade to a higher tier.

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.

Sellfy: Does Sellfy offer a free trial?

Yes, new users can access a 14-day free trial with no credit card required. During the trial you can customize store design and add product types, but upgrading to a paid plan is required to start selling.

Source
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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