Best Klarna Payments Alternatives in 2026
8 alternatives to Klarna Payments in Payment Gateways, ranked by our editorial score. Compare pricing, free tiers, and best-fit guidance side by side.
Top Payment Gateways Alternatives
| Tool | Score | Starting Price | Free Tier | Best For | |
|---|---|---|---|---|---|
| Stripe | 75 | — | Online businesses, SaaS startups, and platforms that want a flexible, developer- | Compare vs Klarna Payments → | |
| Adyen | 71 | Free | ✓ | Adyen is best for established enterprises, high-volume retailers, and platforms | Compare vs Klarna Payments → |
| BitPay | 70 | Free | ✓ | Businesses that want to accept Bitcoin, Ethereum, or stablecoins and convert the | Compare vs Klarna Payments → |
| Paddle | 69 | Free | ✓ | SaaS and software startups that want to sell globally without dealing with the o | Compare vs Klarna Payments → |
| Braintree | 67 | Free | ✓ | Merchants who need a single payment gateway to accept both card payments and Pay | Compare vs Klarna Payments → |
| Mollie | 66 | Free | ✓ | European ecommerce and SaaS businesses that primarily sell to Dutch, Belgian, or | Compare vs Klarna Payments → |
| Paystack | 64 | Free | ✓ | Nigerian and other African businesses looking for a reliable, developer-friendly | Compare vs Klarna Payments → |
| Coinbase Commerce | 63 | Free | ✓ | Crypto-native merchants and small businesses who want a free, self-custodial pay | Compare vs Klarna Payments → |
Which Alternative Should You Choose?
Best for: Online businesses, SaaS startups, and platforms that want a flexible, developer-
⚖️ Klarna Payments vs Stripe →
Best for: Adyen is best for established enterprises, high-volume retailers, and platforms
⚖️ Klarna Payments vs Adyen →
Best for: Businesses that want to accept Bitcoin, Ethereum, or stablecoins and convert the
⚖️ Klarna Payments vs BitPay →
Best for: SaaS and software startups that want to sell globally without dealing with the o
⚖️ Klarna Payments vs Paddle →❓ Frequently Asked Questions
What does Klarna cost for merchants?
Klarna's merchant pricing is custom and typically per-transaction, with fees varying by payment option (Pay Now, Pay Later, Slice It), country, and volume. There is no upfront cost, but you'll pay a fee for each completed transaction.
How does Klarna's payment settlement work for merchants?
Merchants get settled for Pay Now transactions quickly, but Pay Later and Slice It payments are typically settled after the customer's first payment or according to your contract. Settlement schedules vary and can be longer than standard card processors.
Can Klarna integrate with my existing e-commerce platform?
Yes, Klarna offers plugins and direct integrations for major platforms like Shopify, WooCommerce, Magento, and BigCommerce, plus a flexible API for custom builds. Most setups take less than a day.
Does Klarna perform credit checks on customers?
Klarna performs soft credit checks for most Pay Later products, which do not impact the customer's credit score. For Slice It (installment loans), a hard credit check may be required.