8 Great Apps Like Klarna

Apps Like Klarna

Klarna is one of the most popular online payment methods and for a good reason. It allows consumers to pay with installments automatically debited from their bank account or credit card. 

The benefits of Klarna are especially notable on e-commerce sites, where it helps improve conversion rates by making the checkout process much more accessible than traditional methods such as PayPal or a credit card.

While Klarna and many similar services have successfully disrupted the e-commerce industry, they have yet to be effectively duplicated by anyone else. 

However, plenty of alternative payment processing solutions are worth considering if you’re looking to provide an easy shopping experience for your customers or start your own business and need something affordable and reliable to take payments on your website or mobile app.

Here are 8 great apps like Klarna that are worth trying out.

1. Paymentwall

Many e-commerce sites have started using PayPal’s in-store and mobile payment capabilities.

But if you’re already handling your store’s sales through Klarna, why add another middleman when you have apps like Klarna?

The popular European payment service has an impressive reputation for hassle-free payments: Instead of charging a percentage fee on each sale, Paywall charges one set price per transaction. 

In other words, if you make $1 million on Black Friday sales but only sell 1 product every 10 minutes that day, Paymentwall still charges you $1000.

There are no setup fees or monthly costs, just an upfront processing fee that ranges from 2 to 6 percent, depending on how much money you’ve made in total transactions.

2. Quadpay

If you run an e-commerce business, chances are you’re looking for a solution to accept payments online.

If so, Quadpay might be your answer, and it’s one of these apps like Klarna.

The platform provides small and medium-sized businesses (SMBs) with a simple, fast, cost-effective payment gateway that can handle any transaction.

Rather than using conventional payment methods such as credit cards, which carry costs for both customers and sellers.

Quadpay integrates with various third-party payment solutions, including PayPal and iDeal, to enable hassle-free transactions in popular currencies like Euros and the U.S. dollar.

3. Easyship

An alternative to apps like Klarna: Easyship is one of my favorite shipping APIs, and they have all of your standard shipping options and many premium ones.

Their integration with PayPal allows you to accept payments through your store even if you don’t have a merchant account. 

If your business has an inventory and products, Easyship adds them to your checkout pro and lets you buy a product or service online and pay for it over time.

There are two options: Pay off your purchase in three, six, nine, or 12 months, or choose a 36-month option. The more time you have to pay off your purchase, the less interest you’ll pay. 

You can set up a repayment schedule that fits into your monthly budget.

Best of all, if you don’t quite have enough cash to meet your payment at any given time, Laybuy can lend you some extra funds until you do — interest-free! 

Just stick to that plan and get it paid back as soon as possible (within six months). Otherwise, you will add interest on what’s owed each month.

4. Affirm

It is a finance company that offers zero-interest monthly payments for purchases. If you don’t have good credit and can’t qualify for most credit cards, then Affirm is a solid alternative to apps like Klarna.

Credit lines are determined based on your income and spending habits, so expect to be denied if you apply with less than stellar or no credit history. 

With Affirm, you pay a small deposit—say 10% of your purchase—and pay back the remaining balance in affordable monthly installments over two years. We love how it allows users to buy now and pay later.

5. ViaBill

These apps like Klarna, and ViaBill allow customers to pay for online purchases like Klarna, which requires a monthly subscription of $5.

ViaBill allows people to opt in and out of their services as needed. One advantage ViaBook has over other similar products is that it doesn’t charge any interest or add fees when paying off your balances. 

At a later date, you pay for what you ordered and can do so by either paying straight from your bank account or writing an email.

The latter option allows you to write an email directly from their site if you aren’t sure where to send it.

6. GoCardless

GoCardless is one of the apps like Klarna, a UK-based electronic direct debit service that makes it easy for anyone to collect payments directly from their customer’s bank accounts.

Customers of GoCardless pay a percentage of every sale processed by GoCardless, which gives companies an alternative to PayPal. 

Unlike Paypal, there are no fees for setting up an account or adding a new customer—unless your customers pay later than their due date (in which case you will be charged about 2 percent of late payment).

One major downside is that you can’t withdraw money to your bank account until it’s over £1,000 (about $1,600), which can take at least seven days.

7. Perpay

Perpay It makes it easy to set up and manage a consumer financing program that lets customers buy goods with free delivery and payments over time.

If you’re starting a business, it’s one of these apps like Klarna. Perpay helps acquire new customers by providing flexible purchase options that increase conversion rates. 

You can use Perpay to run split-bill campaigns or simply as an alternative payment option for your eCommerce site.

If you’re selling products in physical stores, Perpay also offers POS terminal support, so your employees can efficiently process customer purchases using their own devices.

It also supports Apple Pay if you want to let customers pay using their phones at brick-and-mortar locations.

8. Afterpay

Afterpay, Amazon has exploded in popularity in just two years thanks to its simple but effective offering: Anyone can buy anything without a credit card. For example, let’s say you’re browsing for a new T.V. on Amazon. 

Instead of heading to your local electronics store and putting down $600 for a new T.V. that day, you can use Afterpay and pay off your purchase in four monthly installments.

There is no interest or hidden charges; users pay a small fee—typically about 2 percent—on each installment payment.


Many companies, startups, and apps like Klarna are trying to change how you shop. There’s been a trend toward mobile payments, and when it comes to online shopping, paying as you go rather than in full is becoming more common.

That can take different forms; some companies will let you pay for certain items individually, while others allow users to send money directly to their friends. 

Klarna is one such company with an app that lets you purchase goods from thousands of stores using your phone.

It works similarly to PayPal or Venmo—you have an account with Klarna, which keeps track of your purchases and lets you send money to friends without sharing your financial information with other people.

The app also offers unique features that make purchasing goods easier: you can see what store your friend has purchased something from and then buy something similar (and have it shipped together) or split up purchases into multiple payments if they don’t fit into your budget right away.

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