Klarna alternatives: 11 buy now pay later providers tools compared
Klarna is the name most shoppers know, which is also why merchants and consumers start comparing: the business pages tell a seller little about cost, and the consumer side mixes payment methods with a card, accounts and a paid membership. The alternatives below range from a Milan instalment firm and a UK credit app to invoice specialists for business buyers and US-centred lenders.
Short answer: Smaller vendors fill the top three places where the category offers them, and the household names start at place 4. For Klarna users, the top three picks from our buy now pay later providers ranking are Scalapay, Zilch and Riverty. Pick Scalapay if you want a smaller European firm with named plugins and an in-store option. The 11 entries that follow are all ranked in Best Buy Now Pay Later Providers in 2026; each one explains what sets it apart from Klarna.
Vendors can pay for more visibility on this website, for example a higher place in a ranking or more room on a page. Commercial relationships can also affect which products we feature and how prominently. Every vendor link is marked the same, whatever the arrangement behind it. How that works.
Pricing: Merchant fees not stated; consumer membership carries monthly costs
Established in: Not stated by the vendor
Built for: Dutch shoppers who want one app for payments, cashback and an account
Not for: Merchants who compare fees, plugins and the legal entity
01
Why buyers look past Klarna
01
The business page leaves the price out
Klarna's business page quotes reach and uplift figures: 120 million shoppers, 1.2 million retail partners, a 40% rise in average order value and a 20% rise in conversion. It gives no merchant fee, no plan table and no transaction limit. A seller comparing providers on cost has to ask for terms before any total can be set beside another vendor.
02
One brand, many products
On the Dutch homepage Klarna shows pay now, pay in 3 and pay in 30 days next to a Klarna Card, bank accounts and a membership with monthly costs. For a shopper that is a wide menu; for a small shop it means the provider's attention and branding reach well beyond a checkout button, and the customer relationship runs through Klarna's own app.
03
Seller protection comes bundled with the credit model
The business page says Klarna takes credit and fraud risk and pays merchants upfront and in full. That is a clear benefit, and it also ties the seller to Klarna's decisions about who may pay in instalments. Businesses that sell on invoice to other companies, or that prefer a card-based or regional lender, look at different models.
you sell higher-value items and need long instalment terms
#13
03
What each one does differently
1
Scalapay
Italy · See profile
Scalapay is a Milan company, SCALAPAY S.R.L., and publishes a list of shop plugins: WooCommerce, Shopify, PrestaShop and Magento 2, plus an API. Shoppers pay in three instalments without interest, and an app barcode lets them use it in a physical store. Its marketing claims a 48% larger basket; the merchant rate is not shown on the page we read.
Switch from Klarna if you want a smaller European firm with named plugins and an in-store option.
Zilch Technology Limited is registered in England and Wales and authorised by the FCA. It prints its consumer plans on the page: Standard at no charge, Extra and Plus monthly, with credit from 50 to 4,500 pounds over six weeks or three months and a representative APR of 14.9%. A business offer is marked coming soon.
Switch from Klarna if your customers are UK shoppers and you want plan prices stated openly.
Riverty groups five pay-later methods in one range: pay afterwards, monthly invoice, part payments, pay in three and direct debit. Collection products and Invoicing as a Service sit alongside them. Its Dutch homepage names Asos, Lidl, WeFashion and Decathlon as places where shoppers meet it, but not plugins or fees.
Switch from Klarna if you sell to Dutch-speaking shoppers and want invoice and collections under one roof.
Splitit spreads a purchase over the shopper's own credit card instead of issuing new credit. Merchants connect through a single global API or a white-label plugin, and the page lists Splitit Go and a pay-after-delivery product. An Atlanta address and two lending entities appear; fees are not given.
Switch from Klarna if you prefer instalments that run on cards your customers already hold.
Two targets companies buying from companies. It describes Santander X Allianz Trade as a tripartite B2B pay-later solution and names ABN AMRO, Santander, Allianz and Visa as partners. Shopify, WooCommerce and Magento are listed along with a Two API. Merchants can try a portal or book a demo.
Switch from Klarna if your buyers are businesses that want invoice terms.
Billie sells purchase on invoice and instalment purchase to business buyers, and adds a Trade Account. It lists Stripe, Klarna, Mollie, Adyen and Kustom as payment-provider integrations, covering online, telesales and in-person sales. It claims more than 10,000 active merchants. The route in is a demo booking.
Switch from Klarna if you invoice business customers and already use one of the named payment providers.
Tabby splits a purchase into four payments free of fees or into up to 12 monthly payments, and adds a card with up to 40 days to pay plus a cash account. Two UAE entities carry the services, one of them under a Central Bank of the UAE licence. Merchant fees are not listed on the page.
Switch from Klarna if your shoppers are in the Gulf and you want a wallet-style app with a card.
Sezzle shows worked numbers openly: a 300 dollar pay-in-four with a 7.49 service fee at 45.0% APR, monthly loans from 0.00% to 35.99% APR and a 29.99 monthly Anywhere offer. Loans come from WebBank or Sezzle. It also sells credit reporting, SezzleCash and a mobile data plan.
Switch from Klarna if you serve US shoppers and want the fee examples written out.
Wisetack finances service work such as repairs and installations. Consumer terms run from 3 to 120 months at 0% to 35.9% APR, with extended 0% plans of up to 24 months that merchants can offer. Housecall Pro, Jobber and Thumbtack are named software partners, and an API exists.
Switch from Klarna if you sell quotes and jobs rather than a basket at a web shop.
Afterpay divides a purchase into four payments over about six weeks and charges no late fee when payments are on time. A finance fee may apply to certain transactions, and the page example runs at 36% APR. A points scheme called Pulse Rewards sits on top, and the platform and processor list is long.
Switch from Klarna if you sell mainly to US shoppers and want a points scheme attached.
Affirm offers four payments every two weeks as well as instalments of up to 36 months. It pays merchants by ACH within one to three business days and shows logos for Wix, Shopify, WooCommerce, BigCommerce, Magento, Salesforce and Stripe. Merchants pick a pricing plan at sign-up, with amounts left out of view.
Switch from Klarna if you sell higher-value items and need long instalment terms.
Two: It describes a tripartite B2B pay-later solution with Santander and Allianz Trade, and names ABN AMRO and Visa as partners.
02
You run a European web shop on WooCommerce, Shopify or Magento
Scalapay: Plugins are listed for WooCommerce, Shopify, PrestaShop and Magento 2, plus a custom API.
03
Your customers are UK shoppers who want to see plan prices
Zilch: It lists a Standard plan at no charge, credit from 50 to 4,500 pounds and a representative APR of 14.9%.
04
You do home services or repair jobs
Wisetack: Terms run from 3 to 120 months, with Housecall Pro, Jobber and Thumbtack named as software partners.
05
You need long instalments on high-value goods
Affirm: It offers instalments up to 36 months and pays merchants by ACH within one to three business days.
04
When Klarna is still the right choice
Klarna stays sensible for a retailer whose shoppers already hold the app, because the business page says Klarna carries credit and fraud risk and pays the merchant upfront and in full. It is a licensed Swedish bank, Klarna Bank AB (publ), with a banking licence since 2017 and 26 supported countries. Reach is the real draw: 120 million consumers and 1.2 million merchants. If cost is the worry, ask for written terms before switching.
05
What moving off Klarna involves
01
Check what the shopper loses on the way out
Klarna shoppers see pay now, pay in 3 and pay in 30 days at checkout. A replacement may offer fewer terms or a different age and credit check. Compare the options your customers actually use, not the headline list.
02
Credit risk may move back to you
Klarna says it assumes credit and fraud risk. Ask each alternative in writing who bears non-payment, how soon you are paid and what happens on returns, because the answer differs between consumer lenders, card-rail tools and B2B invoice providers.
06
Questions about replacing Klarna
6 answers
Does Klarna publish what merchants pay?
Not on the business page we read. It gives reach and uplift claims, a 40% rise in average order value and 20% in conversion, but no fee or plan table. Treat those figures as vendor marketing.
Is Klarna a bank?
Its about page names Klarna Bank AB (publ), headquartered in Stockholm, and says it secured a full banking licence in 2017.
How many countries does Klarna support?
The about page lists 26 countries supported, 120 million active consumers and more than 1.2 million merchants.
Which alternative suits business-to-business sales?
Two and Billie both sell invoice terms to business buyers. Two names bank and insurer partners; Billie lists payment-provider integrations and offers a Trade Account.
Which alternatives publish their consumer costs?
Zilch lists its plan prices and a representative APR of 14.9%, and Sezzle prints a worked example with a 7.49 service fee. Tabby says its four-payment split carries no fees. None of them states a merchant rate on the pages we read.
Can the alternatives plug into my shop software?
Scalapay names WooCommerce, Shopify, PrestaShop and Magento 2. Affirm shows Wix, Shopify, WooCommerce, BigCommerce, Magento, Salesforce and Stripe. Check the vendor's current plugin list before you commit.
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Sources
Checked 6 November 2026
Klarna for business: 120 million shoppers, 1.2 million retail partners, 40% order value and 20% conversion claims, pay in 30 days, pay in 3 or 4, seller protection.
Klarna about us: Stockholm headquarters, Klarna Bank AB (publ), banking licence 2017, 120m consumers, 1.2m+ merchants, 26 countries.
Founder of The Knowledge Engineers and of 2 Steps Ahead, an AI search visibility agency. Editorially responsible for every page on this site; research and drafting are AI-assisted.
Checked and edited by Sebastiaan Smits, last on 6 November 2026. The editorial process explains the method.
