# Klarna Reviews **Vendor:** Klarna **Category:** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Average Rating:** 3.1/5.0 **Total Reviews:** 56 ## About Klarna Klarna is a global fintech company that offers innovative payment and marketing solutions designed to enhance the shopping experience for consumers and drive growth for businesses. By providing flexible payment options and performance-driven marketing tools, Klarna helps merchants attract, convert, and retain customers more effectively. Key Features and Functionality: - Flexible Payment Options: Klarna offers a variety of payment methods, including: - Pay in Full: Immediate payment at the time of purchase. - Pay in 30 Days: Allows customers to receive products and pay up to 30 days later without interest or late fees when paid on time. - Pay in 3 or 4 Installments: Enables shoppers to split purchases into smaller, interest-free payments. - Financing: Provides longer-term payment plans for larger purchases, offering manageable monthly payments. - Marketing Solutions: Klarna's full-funnel marketing suite allows businesses to run targeted campaigns across various channels, including search, programmatic ads, affiliate placements, cashback offers, and personalized in-app content, reaching over 24 million active shoppers. - Seamless Integration: Klarna integrates with major e-commerce platforms such as Shopify, Magento, WooCommerce, and BigCommerce, as well as payment partners like Stripe and Adyen, facilitating easy adoption for merchants. Primary Value and Solutions for Users: For consumers, Klarna provides a flexible and convenient shopping experience by offering multiple payment options that cater to different financial needs, thereby enhancing purchasing power and satisfaction. For merchants, Klarna drives business growth by increasing average order values, improving conversion rates, and fostering customer loyalty through its comprehensive payment and marketing solutions. ## Klarna Pros & Cons **What users like:** - Users value the **flexible payment options** of Klarna, especially during tough financial times, making purchases manageable. (3 reviews) - Users find Klarna's **ease of use** appealing, making payment management simple and efficient for everyone. (2 reviews) - Users appreciate the **convenience** of Klarna for organizing their customer cards and simplifying payments. (1 reviews) - Users value the **no fees flexibility** of Klarna, making payments easier during tough financial times. (1 reviews) - Users appreciate the **flexible payment options** of Klarna, finding it helpful for budgeting and managing larger purchases. (1 reviews) - Users appreciate the **payment efficiency** of Klarna, benefiting from organized card management and flexible payment options. (1 reviews) - Users value the **wide range of shopping websites** available through Klarna, surpassing competitors like Quad and Afterpay. (1 reviews) **What users dislike:** - Users report a **complex setup** process for Klarna, leading to negative initial experiences and customer service frustrations. (1 reviews) - Users report feeling that Klarna has **fraudulent activities** and cite unhelpful customer service as a major issue. (1 reviews) - Users are frustrated with the **limited acceptance** of Klarna, as not all vendors offer this payment option. (1 reviews) - Users notice that Klarna has **limited availability** , making it inaccessible for some banks and users. (1 reviews) - Users note the need for improved **ease of payment at checkout** when using Klarna for transactions. (1 reviews) - Users experience **poor customer support** , feeling unsupported and likening Klarna to a scam process due to negative interactions. (1 reviews) - UX Improvement (1 reviews) ## Klarna Reviews ### 1. Versatile Payment Tool with Handy Card Organization **Rating:** 4.0/5.0 stars **Reviewed by:** Osvaldo B. | Tecnico cinematografico, Entertainment, Small-Business (50 or fewer emp.) **Reviewed Date:** December 17, 2025 **What do you like best about Klarna?** Klarna started as an online platform that allowed customers to split their payments into three installments, which was especially useful for purchases like electronic devices. Recently, however, Klarna has evolved into a more comprehensive payment tool by adding new features to its platform, such as restaurant tickets and a wallet for storing money and card information. Lately, I have been using it mainly to keep all my customer cards organized in one place, although I previously used it for making payments as well. **What do you dislike about Klarna?** As a card and money wallet, Klarna doesn't really stand out from other similar tools. I also find the app's interface somewhat confusing. **What problems is Klarna solving and how is that benefiting you?** Klarna essentially allows you to split your expenses into three separate payments, rather than making a single payment. ### 2. Flexible Payment Options Make Shopping Stress-Free **Rating:** 5.0/5.0 stars **Reviewed by:** Angela P. | Staffing Specialist - Remote Recruiter, Staffing and Recruiting, Mid-Market (51-1000 emp.) **Reviewed Date:** January 08, 2026 **What do you like best about Klarna?** I like that they offer flexible payment options like Buy Now, Pay Later (Split a purchase into multiple interest-free payments (like four payments every two weeks) or pay in 30 days without fees Times are hard on a lot of people right now and offering pay over time for larger purchases has literally saved people at holidays, for emergencies and even vacations **What do you dislike about Klarna?** I have noticed that not all banks work with Klarna so its not accessible to everyone **What problems is Klarna solving and how is that benefiting you?** It has allowed some of our external workers to get safety boots or warm clothes needed for work ### 3. Effortless Payments and Convenient Installments **Rating:** 5.0/5.0 stars **Reviewed by:** Valerie I. | Consultant & Part Time Master's Candidate, Small-Business (50 or fewer emp.) **Reviewed Date:** November 19, 2025 **What do you like best about Klarna?** The ease of use and the small regular payments **What do you dislike about Klarna?** i don't like that not every vendor offers klarna. i like klarna and affirm over afterpay or any other flex pay service like paypal **What problems is Klarna solving and how is that benefiting you?** It prevents me from ever having to make a large purchase at once which helps my cash flow issues tremendously ### 4. Poor Customer Service, Negative Experience **Rating:** 0.0/5.0 stars **Reviewed by:** James C. **Reviewed Date:** December 15, 2025 **What do you like best about Klarna?** Absolutely nothing. This is nothing but a portal for scammers. **What do you dislike about Klarna?** I find their customer service to be unsupportive. It feels like people are using Klarna as a scam process. My initial experience setting up Klarna was very bad. **What problems is Klarna solving and how is that benefiting you?** I called because klarna is a scam or people are using klarna to scam people. I talked to a customer service agent who was at best unhelpful, unsypothetic and almost rude. ### 5. This app is incredible **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** September 15, 2022 **What do you like best about Klarna?** The variety of websites that you can shop on is great even compared to apps such as quad or afterpay. **What do you dislike about Klarna?** There isn't much to dislike about the app. The only thing I could say can use improvement is ease of payment at check out. **What problems is Klarna solving and how is that benefiting you?** It allows you to split payments of purchases into 4. This is great when you need to purchase something but can't afford it fully outright. ### 6. Klarna is Bad for Business and Merchants **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** November 22, 2023 **What do you like best about Klarna?** They aim to help customers make purchases of larger ticket items. **What do you dislike about Klarna?** We have applied twice to Klarna to be offered via our family retail business Website. We offer a variety of beauty and grooming products, much like other popular retail shops that already use and offer Klarna (and which Klarna proudly advertises as their customers). However, our applications are rejected incorrectly and unjustly because Klarna tags us as a company that does "drop shipping", simply because we offer a variety of brands. We are NOT a drop shipping company. We have NEVER drop shipped. We are a retail eCommerce shop. We have our own inventory of products that we fully purchase and and store in our warehouse. We have the full legal right to resell these brands as retail corporation (just like some other already approved and advertised by Klarna as their customers). The only difference is that we are not a giant corporation, but rather a local family business. The Klarna review process has been very difficult and illogical. It is not possible to get any help via support as a merchant. At this time we would not recommend any businesses to engage with Klarna. It would wonderful if Klarna can be more understanding and fair in their merchant review process. **What problems is Klarna solving and how is that benefiting you?** Klarna would be good if they supprted small business. They would allow our retail customers to more easily make purchases with us. ### 7. Klarna rocks! **Rating:** 5.0/5.0 stars **Reviewed by:** Brooklynne J. | Banking, Small-Business (50 or fewer emp.) **Reviewed Date:** May 13, 2024 **What do you like best about Klarna?** Buy now, Pay later is very beneficial in todays world. **What do you dislike about Klarna?** Could be more flexible with pay dates and payment methods. **What problems is Klarna solving and how is that benefiting you?** I get what I need now and am able to make affordable payments over time. ### 8. Customer Service and flexibility in service is non-existent **Rating:** 0.5/5.0 stars **Reviewed by:** Paul D. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2024 **What do you like best about Klarna?** Integration with our Shopify platform is a plus **What do you dislike about Klarna?** Customer Service for merchants is non-existent Flexibility in options is non-existent. We've tried working with them based off our customer feeback and Klarna doesn't seem interested in working with us to improve customer adoption **What problems is Klarna solving and how is that benefiting you?** They are a financing partner but are not solving any problems. No customers have chosen to utilize them based on their constraints ### 9. Waste of time **Rating:** 0.0/5.0 stars **Reviewed by:** Breayn L. | Executive Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2023 **What do you like best about Klarna?** Nothing! There is no easy way to speak or chat with someone! It takes you to your dashboard but not to the chat box to actually speak with someone, I had to Google the customer service number smh **What do you dislike about Klarna?** I don't really care to us Klarna because they check your credit every time and everytime I have to login into my credit report or the sites and unlift my freeze on my credit. It's annoying! I love Afterpay because it's simpple to use! Due to all this I have missed my product and is now sold out because I had to go through all this!! I will never use Klarna again!!! **What problems is Klarna solving and how is that benefiting you?** It's not benefining me at all, it made me miss my order as it is no longer in stock! ### 10. Identity Verification Nightmare **Rating:** 0.0/5.0 stars **Reviewed by:** Kimberly Christine T. | Small-Business (50 or fewer emp.) **Reviewed Date:** June 11, 2023 **What do you like best about Klarna?** The perks and rewards the have for making on time payments and paying off purchases are great and can really add up to some nice freebies quite rapidly. **What do you dislike about Klarna?** Klarna is awful. Both my husband and I have accounts with over $1,000 of purchase power and have both made successful purchases with Klarna and have since paid them in full. Randomly, I started getting denied due to “identity verification issues”. After countless chats, emails and “corrections” I have been told by every rank of employee from basic customer service rep to supervisor that my case has been escalated several times. I have been told through many communication avenues that the issue has been corrected, but my attempted purchases are still declined to this day citing identity verification issues. My husband who has been successfully using Klarna for several months and has over $1,000 of spending power is now ALSO getting denied each time he attempts a purchases due to identity confirmation issues. Unfortunately, we are not the only ones who have run into this issue. There is an entire feed on Reddit with scores of users saying the same thing has happened to them and Klarna has never resolved the issue. Do yourself a favor and avoid using Klarna and stick to other more professional and reliable buy now, pay later apps like AfterPay and Affirm. A word of caution, if you do find yourself running into this issue with Klarna, don’t bother wasting your time trying to get them to correct it. You’ll go through a lot of hassle only to have them tell you they’ve fixed the issue and your account will work.., but it never will. **What problems is Klarna solving and how is that benefiting you?** Klarna has an ongoing issue with identity verification of users. Unfortunately, despite spreading to tech support, customer service, supervisors and having my case escalated multiple times no one seems to be able to actually correct the issue surrrounding your identity verification. ## Klarna Discussions - [What are the Klarna options?](https://www.g2.com/discussions/what-are-the-klarna-options) - [What are the benefits of Klarna?](https://www.g2.com/discussions/what-are-the-benefits-of-klarna) - [What makes Klarna unique?](https://www.g2.com/discussions/what-makes-klarna-unique) - [What does the Klarna app do?](https://www.g2.com/discussions/what-does-the-klarna-app-do) - [No comprehension](https://www.g2.com/discussions/no-comprehension) - 1 upvote ## Klarna Features **Administration - Installment Payment and Buy Now Pay Later (BNPL)** - Email Notifications - Invoicing - Customer Portal - Loyalty Management **Engagement** - Live streaming - Live chat discussions - Social media - One-to-one call scheduling - Omnichannel livestreaming - Stream sharing - Product demonstrations **Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)** - Payment Gateway - Payment Tracking - E-commerce Integration - Payment Scheduling **Integration** - Shopping cart - Social media - Video analytics tools - Campaign management tool - CRM & Data Platform Integration - Smartphone and DSLR - API **Live selling** - Social media - Marketplaces - Lead capturing and distribution - E-commerce platform **Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features** - Adaptive Learning - Proactive Assistance - Decision Making **Analytics** - Data Capture - Reporting - Campaign performance - Product Insights **Generative AI** - AI Text-to-3D ## Top Klarna Alternatives - [PayPal Payments](https://www.g2.com/products/paypal/reviews) - 4.4/5.0 (2,633 reviews) - [Sezzle](https://www.g2.com/products/sezzle/reviews) - 4.6/5.0 (119 reviews) - [Affirm](https://www.g2.com/products/affirm/reviews) - 4.3/5.0 (46 reviews)