Alternatives and competitors
Sites like Klarna
The 20 closest buy now, pay later alternatives to Klarna, ranked by what they actually offer, and the 20 technologies behind it.
Looking for an alternative to Klarna? The closest matches are PayPal, Affirm and Capital One. We match sites by what they actually offer, from their homepages, Wikidata and a summary by Claude, in any language. Vote on each alternative and leave a short note to help the next person choose.
- Neighbours
- k = 20
- Sites searched
- 4,032
- Vector
- 384-d
- Query
- 29 ms
01 · Entity
About Klarna
Klarna klarna.com
Klarna US - A secure, flexible way to manage your money
Manage everyday payments securely with Klarna - online, in store, or with the Klarna Card. Flexible and interest-free options in the United States.
Wikidata: Swedish fintech company
Summary by Claude
Klarna offers buy now, pay later financing that lets shoppers split purchases into installments or pay later, online and in stores. It also offers a payment card, a shopping app with cashback, savings and personal accounts, and checkout tools for merchants.
- Who it’s for
- Online and in-store shoppers and retailers
- Business model
- Merchant transaction fees and consumer interest
02 · Embedding space
Competitor map
Each alternative by how close its vector is to Klarna’s (x) and how much traffic it gets, how much of the stack it shares, or where it sits in the embedding space itself (y). Lines split each axis at the median. Hover for the numbers, click to jump to it in the list.
similarity × popularity
03 · Nearest neighbours
Alternatives to Klarna
Thumbs up if it’s a real alternative to Klarna, thumbs down if it isn’t.
- 01
Pay, Send and Save Money with PayPal | PayPal US
From paying friends to saving money or getting cash back when you shop, explore what the new PayPal app has to offer.
Very close cos 0.908 - 02
Affirm | Pay over time with flexible payment plans and no fees
Buy now pay later without the fees. Flexible payment options with longer plans, lower payments, and no fees. Pay in 4 interest-free or get more time and see your total cost upfront.
Close cos 0.890 - 03
Capital One | Credit Cards, Checking, Savings & Auto Loans
Learn how banking with Capital One can help you meet your financial goals.
Close cos 0.888 - 04
Shop - Shopping designed around you
Shop from top brands, earn exclusive rewards, and track your packages all in one place. Now available on iOS, Android, and web.
Close cos 0.885 - 05
Paysafe | It starts here
We have a payment solution for every business. Using our global expertise we can help any business grow, from SMBs to large corporations. See our services here.
Close cos 0.881 - 06
NerdWallet: Finance smarter
NerdWallet makes it easy to find the right financial product for you. Our Nerds do all the research so you don’t have to.
Close cos 0.881 - 07
Pay Friends | Payments App | Venmo
Welcome to Venmo! Manage your account balance, send/receive money, split bills, pay friends, and stay connected with your network all in one place.
Close cos 0.876 - 08
EarnIn | You worked today. Get paid today.
EarnIn is an app that gives you access to the pay you've earned - when you want it. Get paid for the hours you've worked without waiting for payday.
Close cos 0.875 - 09
Payment services to power your performance | Checkout.com
Boost your acceptance rate, cut processing costs, fight fraud, and create extraordinary customer experiences with Checkout.com's payment solutions.
Close cos 0.875 - 10
bunq: Open a Bank Account in 5 Minutes
No paperwork, no branch visits. Open your bunq account in 5 minutes and start banking today.
Close cos 0.873 - 11
Send, Receive, Invest, & Manage Your Money with Cash App
Download Cash App to send & receive money instantly, spend with the Cash App Card, buy bitcoin, invest in stocks, & manage your finances.
Close cos 0.871 - 12
Shopify: The All-in-One Commerce Platform for Businesses - Shopify
Try Shopify free. Build or grow your business fast with AI. Get more than ecommerce software with tools to manage every part of your business.
Close cos 0.872 - 13
Digital wallet for money transfers & online payments | Skrill EN - US
Whether you're placing a bet, gaming online, or sending money internationally, Skrill's digital wallet makes every payment quick and secure.
Close cos 0.868 - 14
Power your entire business | Square
Sell anywhere. Diversify revenue streams. Streamline operations. Manage your staff. Get paid faster. Sign up for Square today.
Close cos 0.871 - 15
Discover how you can pay online in cash. | PaysafeCard US
Pay securely and easily with a PaysafeCard prepaid code. Get one in over 650,000 sales outlets and pay everywhere where you see our logo.
- Amazon CloudFront
- Google Search Console
- Google Tag Manager
- Meta Business Suite
- Amazon SES
- Apache HTTP Server
Close cos 0.868 - 16
Credit scores, reports and much more - Intuit Credit Karma
Intuit Credit Karma offers free credit scores, reports and insights. Get the info you need to take control of your credit.
Close cos 0.871 - 17
Free, Easy Online Stores for Artists & Small Businesses
Start your free online store & scale as you grow. Easily manage your e-commerce business. Join a community of artists & small businesses.
Close cos 0.871 - 18
Business Account, Invoicing & Accounting Integrations | Finom
Finom is an online payment solution for entrepreneurs that makes it easy to open a business account and securely manage their finances.
Close cos 0.869 - 19
Paddle - Subscriptions, Payments & Tax Compliance for SaaS & Mobile Apps
Increase revenue, reduce risk and reduce cost with Paddle, the payment solution powering global revenue for n8n, Letterboxd & AdGuard. One platform that handles billing, tax and compliance.
Close cos 0.867 - 20
Bank of America - Banking, Credit Cards, Loans and Merrill Investing
What would you like the power to do? At Bank of America, our purpose is to help make financial lives better through the power of every connection.
Close cos 0.870
Ranked by score: the cosine similarity of each site’s vector to klarna.com’s, less a small penalty for generic sites that are close to everything. Highlighted technologies are ones Klarna uses too. Votes and comments come from visitors and don’t change the ranking.
04 · Fingerprints
Technology
What Klarna is built with, and what its closest competitors use, from its homepage’s code and its DNS records.
Built with
- CMS
- Contentful page source: images.ctfassets.net
- Tag managers
- Google Tag Manager page source: googletagmanager.com/ns.html?id=GTM-
- Advertising
- Google Ad Manager page source: securepubads.g.doubleclick.net
- Cookie consent
- OneTrust page source: cdn.cookielaw.org
- Payments
- CDN
- Amazon CloudFront header x-amz-cf-id: qyKZu4PZRZJFw6pHDoLSo1gwoS3X5BuUwSTNWJG0QbUGCLsto8zyRg==
- Web servers
- Envoy header server: envoy
- Email hosting
- Google Workspace TXT v=spf1 include:sendgrid.net include:_spf.google.com include:_spf.atla…
- Email delivery
- SendGrid TXT v=spf1 include:sendgrid.net include:_spf.google.com include:_spf.atla…
- DNS hosting
- Akamai Edge DNS NS a1-74.akam.net
- UltraDNS NS edns7.ultradns.com
- SaaS tools (verified in DNS)
- Adobe TXT adobe-idp-site-verification=34ebf3613749ecea2f0d07ba91a8c154e6353b68a…
- Apple Business TXT apple-domain-verification=u_R7G9MxjFepIDYHi_Dh_pb1cHP2JDVi3YjHw6BOihw
- Atlassian TXT atlassian-domain-verification=kuCcSLhwSU7SWaSfCXQ0pJR783qYIG3A89aiMJH…
- DocuSign TXT docusign=32cd5aff-353b-4525-b6d2-4a13de2e4257
- Google Search Console TXT google-site-verification=1x1qTESbVdqnmbawTLX6-6Ur6KRsgpoMw8KzgLLxeJM
- Meta Business Suite TXT facebook-domain-verification=kpv70oz0on4y0be27rsk0wqpu0llc9
- Miro TXT miro-verification=d95c8724c999fa1af903df65701afb9eaa7be836
- OpenAI TXT openai-domain-verification=dv-Ax6dQektADYw5AWqh5zJQkkz
Stack changes
No changes yet. Each new crawl is compared with the last one, and what Klarna adds or drops shows up here.
What competitors use
Across the 20 closest sites.
- Google Search Console 19/20
- Microsoft 365 · not on klarna.com 16/20
- Atlassian 13/20
- Apple Business 13/20
- Google Workspace 13/20
- Cloudflare · not on klarna.com 11/20
- Amazon Route 53 · not on klarna.com 11/20
- DocuSign 10/20
- Google Tag Manager 9/20
- Meta Business Suite 8/20
- OpenAI 8/20
- Stripe 7/20
- OneTrust 7/20
- Miro 7/20
- Adobe 6/20
- React · not on klarna.com 6/20