Softwr

E-Commerce · head to head

Klarna vs Trustpilot

Klarna logo

Klarna

E-Commerce

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

From
On request
Rated
-
Full reviewWebsite
Trustpilot logo

Trustpilot

E-Commerce

Review management platform for ecommerce

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Trustpilot has a free tier, so it costs nothing to try first.
  • 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.; Trustpilot review invitations are rationed monthly, at 50 on free, 100 on Starter and 300 on Plus, so collecting reviews is the metered resource
  • They diverge on capability: Klarna covers Pay in 4, Trustpilot covers Review collection.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Klarna and Trustpilot actually diverge.

Attributes where Klarna and Trustpilot differ
AttributeKlarnaTrustpilot
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb
FoundedUnknown2011

Identical on both: 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 Trustpilot

  • Review collection
  • Email surveys
  • Review moderation
  • Analytics dashboard
  • Response management
  • Star rating display
  • Widgets
  • API access

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

Trustpilot

  • Review collection and managementnot Klarna
  • Customer reputation monitoringnot Klarna
  • Review widget integrationnot Klarna
  • Multi-location business review trackingnot 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.

Trustpilot

  • Review invitations are rationed monthly, at 50 on free, 100 on Starter and 300 on Plus, so collecting reviews is the metered resource
  • The Plus and Premium plans are priced per domain, so a second brand doubles the cost
  • Starter at $99 a month billed annually allows one user, two widgets and one domain
  • Customising the public profile to match a brand requires the Plus plan at $319 a month
  • Sentiment analysis and custom dashboards are Premium only at $799 a month
  • Every published price requires annual billing

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

Trustpilot

Free
  • FreeFree
    • 50 review invitations monthly
    • Unlimited Support Center access
    • Basic review collection and management
  • Starter$99/month
    • 100 review invitations monthly
    • 2 widgets, 1 user, 1 domain
    • 15 integrations
  • Plus$319/month
    • 300 invitations monthly
    • 10 widgets, 3 users
    • Up to 3 domains
  • Premium$799/month
    • 1,000 invitations monthly
    • 21 widgets, 10 users
    • Unlimited domains

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 Trustpilot if

  • You need review collection.
  • You want to start without paying.
  • You also want email surveys.
Trustpilot review

Questions people ask

Is Klarna or Trustpilot better?
Neither clearly leads. Klarna starts at On request and Trustpilot at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Klarna or Trustpilot?
Trustpilot has a free tier; the other does not. Paid plans start at On request for Klarna and Free for Trustpilot.
Does Klarna or Trustpilot run on more platforms?
Klarna runs on Web, iOS, Android. Trustpilot runs on Web.
Can I use Trustpilot for free?
Yes. Trustpilot has a free tier, so you can try it without paying. Klarna starts at On request.
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 Trustpilot is typically brought in for.
What can Klarna do that Trustpilot cannot?
Klarna covers Pay in 4, Pay in 30 days, Longer-term financing, Klarna app placement. Trustpilot covers Review collection, Email surveys, Review moderation, Analytics dashboard.

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.

Trustpilot: Does Trustpilot offer a free plan?

Yes. Trustpilot's Free plan includes 50 review invitations monthly, unlimited Support Center access, and basic review management at no cost.

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.

Trustpilot: What is the minimum contract length for Trustpilot paid plans?

All Trustpilot contracts require a 12-month commitment, prepaid annually. This applies to Starter, Plus, Premium, and Enterprise plans.

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.

Trustpilot: Does Trustpilot charge per domain or per organization?

Pricing for Plus and Premium plans is per domain. The Starter plan includes 1 domain; Plus covers up to 3 domains; Premium supports unlimited domains. Enterprise pricing is custom.

Source
Klarna: Is Klarna still independent?

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

Trustpilot: Can data be accessed after canceling Trustpilot?

Yes. Trustpilot states that 'Reviews remain accessible if service is discontinued,' ensuring customers retain access to collected review data even after canceling.

Source
Share

Related pages

More on Klarna

More on Trustpilot

Keep looking

Other head to heads