Klarna

3.8 (69)
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Online payment processing platform for secure checkout

Overall rating

3.8 /5
(69)
Value for Money
3.6/5
Features
3.8/5
Ease of Use
3.9/5
Customer Support
3.5/5

70%
recommended this app
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69 Reviews

Gustavo
Gustavo
Overall rating
  • Industry: Marketing & Advertising
  • Company size: 2–10 Employees
  • Used Monthly for 6-12 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 9.0 /10

Good Platform

Reviewed on 2022/05/07

My experience with Klarna has been good most of the time, and I find it a pretty convenient way for...

My experience with Klarna has been good most of the time, and I find it a pretty convenient way for customers to pay. Notwithstanding, I found some issues to get refunds.

Pros

It does offer a fractionable payment method without interest
It won't affect any credit score towards traditional banking systems.

Cons

It does not have a good customer support at all. There are no phone numbers or chat systems to get human prompt response to issues that might appear.

Alternatives Considered

Afterpay, Revolut Business, Affirm and Braintree

Reasons for Choosing Klarna

I found a better chance to pay without interest and compromising credit score using Klarna system over Traditional Banking Credit Cards.

Reasons for Switching to Klarna

Klarna does not charge any interest at the purchase moment, then customers might pay exactly the price as suggested without any additional amount.
Autumn
Overall rating
  • Industry: Arts & Crafts
  • Company size: Self Employed
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Great for making payments at a later time

Reviewed on 2024/05/30

I like the convenience of the software, and the option for paying later in multiple payments

I like the convenience of the software, and the option for paying later in multiple payments

Pros

Great for making payments at a later time. 4 interest free payments. Allows you to purchase now and pay later

Cons

Can’t split payments between multiple methods. The payment that’s due can’t be changed

Mikhail
Overall rating
  • Industry: Design
  • Company size: 2–10 Employees
  • Used Monthly for 6-12 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 2.0 /10

Don't trust this!

Reviewed on 2024/12/12

On December 10, I received a message that KLARNA had charged me more than $400 from my account...

On December 10, I received a message that KLARNA had charged me more than $400 from my account instead of the $200 required under the contract. It turns out that the reason was that it could not charge me $200 in October for some reason, which it did not inform me about in any way. And now they have charged me double the amount in December when most expenses are on holidays and you must count every dollar. Why didn't you charge me double the amount in November? Why did you specifically wait to charge me double the amount in December?

Pros

it appears on every corner where you want to buy anything

Cons

it charged me twice the amount it was supposed to

Dylan
Overall rating
  • Industry: E-Learning
  • Company size: Self Employed
  • Used Daily for 1-5 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 0.0 /10

Don't use this app. Just don't.

Reviewed on 2024/11/20

Terrible. I was forced to change from the far superior Storcard.

Terrible. I was forced to change from the far superior Storcard.

Pros

That I can uninstall it. There are no redeeming features on this app.

Cons

Terrible downgrade from Storcard. There is no widget for Android, and you can't change the order of cards; many users report very slow load speeds. These all make the app much slower than alternatives.

Blake
Overall rating
  • Industry: Writing & Editing
  • Company size: Self Employed
  • Used Weekly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Helps in a crunch.

Reviewed on 2024/10/31

It’s easy to use and helps when you need something and might not have the money for a few days.

It’s easy to use and helps when you need something and might not have the money for a few days.

Pros

I can get the things I need when I need them.

Cons

I haven’t yet had any bad experiences with Klarna.

Julie
Overall rating
  • Industry: Transportation/Trucking/Railroad
  • Company size: Self Employed
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 0.0 /10

Worst company ever. Horrible people and experience.

Reviewed on 2024/08/13

Nothing about any of the experience I've had with klarna had been good. Horrible customer service....

Nothing about any of the experience I've had with klarna had been good. Horrible customer service. Who will block you from sending messages to customer service, when you ask to speak to a manager. Which they don't let you speak to a manager. [sensitive content hidden] the employee there was the worst. He was slow, didn't know what he was doing, rude and blocked me from sending any messages to customer service. They say you are a risk and ask you to pay easy more up front rather then 4 equal payments which defeats the purpose of klarna. It is s horrible place to ship with. I spent a lot of money and i will never again, after this experience.

Pros

Nothing they are unprofessional and are not helpful at all.

Cons

Everything. Horrible customer service. You can't speak to anyone. When you do they are no help. After pay is way better. They take more money then they should be. Horrible company.

David
David
Overall rating
  • Industry: Leisure, Travel & Tourism
  • Company size: 51–200 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 0.0 /10

get scammed on Klarna they won't help you to get your money back

Reviewed on 2024/01/25

Pros

Nothing costumers service is never there to help you

Cons

I got scammed on Klarna
I bought flight tickets on the Klarna app I did not get the tickets I contacted Klarna asking to please help as it was £1000
They asked me to submitted proof of email with the store who sold me the flight I did gave them the emails
They also asked me to contact the store by phone and screenshot the call and send to them which I did.
Everything they asked me to proof I did
However they keep saying “we will sort it after 6 month I find out they sent me to a debt agency and reported me affecting my life and credit score.
I call them
And ask:
How I will paid fornaomething that I did not recive???
Answer from Klarna is not our problem you sorted basically

in all honesty if you planning to sing in on Klarna - DONT do it

“DO NOT USE KLARNA IF YOU GET SCAMMED IN THEIR APP THEY WILL NOT HELP YOU AND YOU WILL LOSE YOUR MONEY AND YOU CREDIT SCORE AS ALL THEY WILL DO IS REPIRT YOU IN A DEBT AGENCY THEY WILL NOT CARE OF AS CUSTOMER “

Kendall
Overall rating
  • Industry: Retail
  • Company size: Self Employed
  • Used Weekly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Klarna for the win!

Reviewed on 2024/11/22

Pros

It is a very helpful product. I use it for many of my everyday purchases.

Cons

Nothing, I believe it is perfect for those who are on a budget and need flexibilty.

Ashley
Overall rating
  • Industry: Oil & Energy
  • Company size: 501–1,000 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Seamless integration with retail apps

Reviewed on 2025/01/09

Easy to use, direct link to pay with Klarna from various retailers. Many retailers offer promotions...

Easy to use, direct link to pay with Klarna from various retailers. Many retailers offer promotions via Klarna and I like the option to pay for the entire purchase at once as well.

Pros

Easy to use, intuitive user experience. Feels secure.

Cons

Unsure what data was stored/remembered by the app.

Kortney
Overall rating
  • Industry: Luxury Goods & Jewelry
  • Company size: Self Employed
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 2.0 /10

Good extra way to pay, used by online stores more and more

Reviewed on 2025/02/05

Good tool that was suggested by a customer who was a regular Klarna user. Provided customers an...

Good tool that was suggested by a customer who was a regular Klarna user. Provided customers an extra way to pay.

Pros

Have the ability to my customers to pay for their purchases in instalments.

Cons

The relatively long wait to receive the payments

Sarah
Overall rating
  • Industry: Apparel & Fashion
  • Company size: Self Employed
  • Used Weekly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Klarna for pay in 4 payments

Reviewed on 2024/06/19

Overall I am pleased with Klarna for accepting payments

Overall I am pleased with Klarna for accepting payments

Pros

My customers love using it. They earn rewards for shopping and can spread payments into 4 payments

Cons

I dislike the time it takes for funds to clear into my account

Sandra
Overall rating
  • Industry: Internet
  • Company size: 51–200 Employees
  • Used Daily for 6-12 months
  • Review Source

Overall rating

  • Ease of Use
  • Customer Support
  • Likelihood to recommend 3.0 /10

Not my favourite payment method

Reviewed on 2023/12/28

Pros

You can reach customers you can’t reach with other payment methods

Cons

They give options to customers that result in disputes, for example they offer that customer can pay after receiving the product when it is not our policy. It is impossible to contact customer service. They algo give no option to answer disputes so any incident results in a loss of money for the company, encouraging fraud

gabriel
Overall rating
  • Industry: Accounting
  • Company size: Self Employed
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 0.0 /10

Worst app ever, lock everything, cannot use it

Reviewed on 2024/07/14

Pros

The thing that i can not use it if i can.

Cons

This is the worst app on earth ever done. Customer service impossible to join because you need to have an account who works properly but the thing is usually you contact them when you have a problem on it, they really have a little brain.

Cannot change mobile phone connected to it, cannto verify my identity ( and i have all the document correct but their really smart IA doesnt works)

Cannot use it to buy things.

So i am block because i cannot buy, i cannot change the number of my account and i cannot contact them for help.

The dude who develop this has a iq negative.

Rickie
Overall rating
  • Industry: Retail
  • Company size: 2–10 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Great for small business

Reviewed on 2024/07/19

Small business owner. Love this platform. So easy to use

Small business owner. Love this platform. So easy to use

Pros

Super easy to use with online aswell as mobile sales.

Cons

No negative experience to list at this time.

Andressa
Overall rating
  • Industry: Automotive
  • Company size: Self Employed
  • Used Monthly for 6-12 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Installments up to 3X

Reviewed on 2024/04/23

I really like.
I have already purchased from several stores with Klarna.

I really like.
I have already purchased from several stores with Klarna.

Pros

I really like the fact that it’s paid in installments.
There are several companies and stores that already work with Klarna.
So I can buy everything from cosmetics to furniture with the possibility of paying in installments.

Cons

The installments could be increased.
Instead of 3, there are 5.

Shana
Overall rating
  • Industry: Real Estate
  • Company size: 2–10 Employees
  • Used Monthly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Klarna is a nice thing to have!

Reviewed on 2024/04/01

Pros

I've enjoyed the privilege of being able to pay for my items over time using Klarna. It is easy to use and great for helping with larger purchases.

Cons

There is nothing for me to complain about.

Sarah
Overall rating
  • Industry: Market Research
  • Company size: Self Employed
  • Used Monthly for 2+ years
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Gain Everything For The Same Price

Reviewed on 2023/08/16

Pros

Klarna is necessary; especially after COVID. The ability to afford things for your home and still take care of your kids is difficult considering all the business foreclosures. Making payments every week or every other week is more than ideal when having to make sure your bills are paid but also have the things you need. Zero interest is a plus, I feel, why not use Klarna? You gain to lose nothing.

Cons

I do not like how Klarna checks for approval while simply using the site and after an approval; meaning, if they approve you within that moment, if you do not spend the money right then, later on in the day you can come right back when you have free time and you could be denied spending power or your limit could be decreased. Klarna claims they have no control over the way that is dealt with but it is hard to believe.

Tiara
Tiara
Overall rating
  • Industry: Media Production
  • Company size: 2–10 Employees
  • Used Monthly for 6-12 months
  • Review Source

Overall rating

  • Ease of Use
  • Likelihood to recommend 7.0 /10

Great when you're in a bind

Reviewed on 2023/11/19

Pros

The flexibility in the borrow amounts and frequency of installments. The payment plan and interest rates are very reasonable. Every transaction with the one time use card is broken down into four payments and sometimes they'll offer incentives when shopping with certain retailers.

Cons

There is virtually no customer service or support. If an issue arise, expect to wait 3-5 days for someone to get back to you.

Alternatives Considered

Afterpay
Kayleigh
Overall rating
  • Industry: Consumer Services
  • Company size: 2–10 Employees
  • Used Weekly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

BEST buy now, pay later app I've EVER used!

Reviewed on 2023/08/11

We purchase high ticket items for our customers for repairs and upgrades to their RVs. We require...

We purchase high ticket items for our customers for repairs and upgrades to their RVs. We require parts be paid for before we order or at least a down payment because some items cost so much. This allows our customers to afford upgrades and new things for their RVs through our company because we have the option to order things and buy them now but pay them as we go.

Pros

Klarna's decision process is quick and easy. It doesn't take forever to get an answer or a payment plan. They literally explain EVERYTHING throughout the whole purchase process.

Cons

I wish they were partnered with more stores for the "shop in store" option where you can create a card at check out to pay for your order in the store in real time. While Klarna is partnered with a number of stores, they are more specialty stores and not so much the big name department stores.

Carlisbeth
Overall rating
  • Industry: Sports
  • Company size: 51–200 Employees
  • Used Weekly for 1+ year
  • Review Source

Overall rating

  • Ease of Use
  • Likelihood to recommend 10.0 /10

LOVE this software

Reviewed on 2023/11/19

Pros

I LOVE this software and how easy it is to use. It allows you to use in app but also on regular browser

Cons

They used to have better reward offers before, but not anymore

Marko
Overall rating
  • Industry: Photography
  • Company size: Self Employed
  • Used Monthly for 1-5 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 5.0 /10

Klarna review

Reviewed on 2024/11/15

My overall experience with klarna was positive but not show stopping compared to its rivals

My overall experience with klarna was positive but not show stopping compared to its rivals

Pros

What I liked most about Klarna is the payment plans and integration with multiple payment platforms

Cons

What I liked least about klarna is its instability when connecting to banks

Christopher
Overall rating
  • Industry: Music
  • Company size: 2–10 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Likelihood to recommend 10.0 /10

Klarna Helps!

Reviewed on 2023/12/04

Pros

I like I can do payments and pay overtime

Cons

Klarna really does the job. there is a late fee but its very fair

Carly
Overall rating
  • Industry: Arts & Crafts
  • Company size: Self Employed
  • Used Daily for 1-5 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 0.0 /10

Wasted my time

Reviewed on 2023/06/27

Overall trying to use this service was a complete waste of time over the span of two weeks. I...

Overall trying to use this service was a complete waste of time over the span of two weeks. I submitted all of the applicable info on their on-line application, waited a week for a response, then received an email requesting proof of business registration and a copy of my ID. I sent the info and waited another week only to get the response that my application was rejected because they don't work with sole proprietors in Canada. I provided this info. via the on-line application and could have spent that 2 weeks setting up an account with an appropriate company.

Pros

I didn't get a chance to use their service

Cons

They don't provide upfront information about what qualifies to use their services

Kimberly
Overall rating
  • Industry: Industrial Automation
  • Company size: 51–200 Employees
  • Used Monthly for 1-5 months
  • Review Source

Overall rating

  • Value for Money
  • Ease of Use
  • Customer Support
  • Likelihood to recommend 10.0 /10

Klarna made shopping so much easier for me!

Reviewed on 2023/11/30

Awesome and easy. I will be using again for Christmas shopping!

Awesome and easy. I will be using again for Christmas shopping!

Pros

Klarna allowed me to buy all my work clothes all at once and pay for them in 4 smaller payments which was very nice.

Cons

Nothing. It was super easy to use and they deduct the payment automatically.

Johnny
Overall rating
  • Industry: Warehousing
  • Company size: 1,001–5,000 Employees
  • Used Monthly for 1+ year
  • Review Source

Overall rating

  • Ease of Use
  • Likelihood to recommend 10.0 /10

4 easy payments

Reviewed on 2023/08/22

Pros

I like that you can split up the payments in 4 ways. That helps big time

Cons

I don’t have anyway complaints as of now