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E-Commerce · head to head

Klarna vs Squarespace Commerce

Klarna logo

Klarna

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Squarespace Commerce logo

Squarespace Commerce

E-Commerce

All-in-one website builder and ecommerce platform

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.; Squarespace Commerce the entry plan charges a 2% transaction fee on online store sales on top of payment processing
  • They diverge on capability: Klarna covers Pay in 4, Squarespace Commerce covers Website builder.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Klarna and Squarespace Commerce actually diverge.

Attributes where Klarna and Squarespace Commerce differ
AttributeKlarnaSquarespace Commerce
Pricing modelquotesubscription
PlatformsWeb, iOS, AndroidWeb
FoundedUnknown2003

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 Squarespace Commerce

  • Website builder
  • Ecommerce platform
  • Mobile optimization
  • Email marketing
  • Analytics
  • Domain registration
  • SSL certificate
  • Customer accounts

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

Squarespace Commerce

  • Website building and hostingnot Klarna
  • eCommerce and online store managementnot Klarna
  • Digital content and membership salesnot Klarna
  • Service booking and schedulingnot 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.

Squarespace Commerce

  • The entry plan charges a 2% transaction fee on online store sales on top of payment processing
  • Digital content and membership sales carry their own fee, up to 7% on the lowest tier
  • The entry plan is limited to 2 contributors
  • Reaching a 0% transaction fee requires moving up from the entry plan

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

Squarespace Commerce

On request
  • Basic Plan$null/month
    • Designer templates included
    • Drag-and-drop editor
    • Free custom domain (annual plans only)
  • Standard Plan$null/month
    • All Basic features
    • Transaction fees: reduced rates
    • Gift cards and invoicing
  • Advanced Plan$null/month
    • All Standard features
    • Further reduced transaction fees
    • Point-of-sale capability
  • Premium Plan$null/month
    • All Advanced features
    • Lowest credit card processing rates (0% transaction fees for digital/memberships)
    • Dedicated Customer Success Manager

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 Squarespace Commerce if

  • You need website builder.
  • You also want ecommerce platform.
Squarespace Commerce review

Questions people ask

Is Klarna or Squarespace Commerce better?
Neither clearly leads. Klarna starts at On request and Squarespace Commerce at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Klarna or Squarespace Commerce?
Klarna starts at On request and Squarespace Commerce at On request.
Does Klarna or Squarespace Commerce run on more platforms?
Klarna runs on Web, iOS, Android. Squarespace Commerce 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 Squarespace Commerce is typically brought in for.
What can Klarna do that Squarespace Commerce cannot?
Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement. Squarespace Commerce covers Website builder, Ecommerce platform, Mobile optimization, Email marketing.

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.

Squarespace Commerce: How much does Squarespace cost?

Squarespace does not publish specific plan prices on their pricing page. Four tiers (Basic, Standard, Advanced, Premium) are listed with descriptions of features and benefits. Annual subscriptions offer up to 36% savings compared to monthly billing.

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.

Squarespace Commerce: Does Squarespace offer a free trial?

Yes, Squarespace provides a 14-day free trial with no credit card required. You can upgrade to a paid plan at any time during or after your trial, and there are no long-term contracts required.

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.

Squarespace Commerce: What are Squarespace's transaction fees?

Transaction fees start at 2% on the Basic plan and decrease as you upgrade, reaching 0% for digital content and memberships on the Premium tier. Card processing rates also decrease by tier, reaching the lowest rates on Premium.

Source
Klarna: Is Klarna still independent?

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

Squarespace Commerce: How many AI credits does each Squarespace plan include?

AI credits range from 10 to 120 monthly depending on the plan tier, but specific allocations per plan are not detailed on the public pricing page.

Source
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