Top 7 Klarna Competitors & Alternatives in 2026
Updated onFind more companies/brands/products like Klarna. We've shortlisted leading alternatives and mapped their strengths, pricing, and go-to-market focus.
Klarna is a Swedish fintech that offers buy‑now‑pay‑later consumer financing, checkout and merchant payment solutions, and consumer financial services via its app and card across multiple countries.
Competitors
#1Affirm, Inc. is a U.S.-based fintech company offering buy-now-pay-later consumer financing, point-of-sale loans, and the Affirm Card, enabling shoppers to pay for purchases in fixed installment plans with transparent terms.
#2Afterpay is a buy-now-pay-later fintech that lets shoppers split purchases into interest-free installments (with fees for late payments) and is a subsidiary of Block, Inc.
Starts at $0
#3Zip is a buy-now-pay-later fintech offering consumer installment plans, virtual single‑use cards, and merchant payment solutions across the United States, Australia and New Zealand.
Starts at $0
#4Sezzle is a Minneapolis-based fintech company that provides buy‑now‑pay‑later installment payment solutions (Pay in 4/Pay in 5, virtual cards and merchant integrations) for consumers and merchants in the United States and Canada.
Est. 2025 • 1 employee • PrivateChampSignal
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#5PayPal
Best for enterprisesGlobal online payments platform that provides merchant accounts, buyer/seller protections, and compliance tools for legitimate transactions.
Owned by PayPal Holdings, Inc. Owns Venmo
#6Splitit is a payments fintech that provides card‑linked buy‑now‑pay‑later and consumer financing solutions that let merchants offer installment payments using shoppers' existing credit cards without new applications or credit checks.
#7Est. 2019 • 201-1k employees • PrivateScalapay
Best for SMBsScalapay is a Milan-based financial technology company that offers buy now, pay later solutions, allowing shoppers to split online and in-store purchases into interest-free instalments while helping merchants increase sales.
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