What is Klarna used for?

Klarna is a buy now, pay later payments and shopping app that offers direct payments, pay-after-delivery and installment plans. It is a good fit for shoppers splitting a purchase into installments and online retailers offering flexible payment options.

Is Klarna open source?

No. Klarna is proprietary (closed-source) software and can't be self-hosted. In the Finance & Accounting category, open-source options include Hyperswitch, Lago and InvoicePlane.

What are some alternatives to Klarna?

Klarna competes with Affirm, Afterpay and PayPal.

Klarna: features, pricing and alternatives

About Klarna

Klarna is a payments company best known for letting shoppers buy now and pay later. Its services include direct payments, paying after delivery and splitting purchases into installment plans, all designed around a quick checkout experience at online retailers. It also provides a shopping app and a business side for merchants that want to offer Klarna at checkout.

The homepage mostly shows a market selector, so detailed features and fees are not summarized here. Klarna operates in many countries and languages, with separate sites for each market, and also lists corporate pages such as investor relations, governance, sustainability and news. Klarna is a hosted commercial service and is not open-source software.

Key features

Buy now, pay later checkout
Pay-after-delivery option
Installment payment plans
Shopping app for consumers
Merchant checkout integration

Good fit for

→Shoppers splitting a purchase into installments
→Online retailers offering flexible payment options

Tags: buy-now-pay-later; payments; fintech; installments; checkout; consumer-finance; ecommerce

Klarna: questions and answers

What is Klarna used for?: Klarna is a buy now, pay later payments and shopping app that offers direct payments, pay-after-delivery and installment plans. It is a good fit for shoppers splitting a purchase into installments and online retailers offering flexible payment options.
Is Klarna free?: Yes. Klarna has a free plan.
Is Klarna open source?: No. Klarna is proprietary (closed-source) software and can't be self-hosted. In the Finance & Accounting category, open-source options include Hyperswitch, Lago and InvoicePlane.
What are some alternatives to Klarna?: Klarna competes with Affirm, Afterpay and PayPal.