Klarna vs Sezzle vs Splitit Comparison
Klarna
Starting at Contact for pricing
- Individuals
- Large Enterprises
Klarna helps make shopping simpler and more enjoyable by allowing customers to track their purchases, make payments and log into their account with ease. With the goal of becoming the preferred way to shop around the wor…
Sezzle
Starting at Contact for pricing
- Large Enterprises
- Medium Business
Sezzle is an accredited B Corp that simplifies the payment process for buyers with budget plans and finance options with absolutely no fees or interest! Customers can easily integrate Sezzle with renowned platforms, like…
Splitit
Starting at Contact for pricing
- Large Enterprises
- Medium Business
Splitit is a flexible payment platform that enables shoppers to split purchases into manageable monthly installments using their existing credit cards—without new loans, applications, or added interest. Designed for e-co…
Sezzle leads on user satisfaction with a 4.4-star rating across 152 reviews.
Klarna vs Sezzle vs Splitit — at a glance
| Feature | Klarna | Sezzle | Splitit |
|---|---|---|---|
| Rating | 4.1 / 5 | 4.4 / 5 | — |
| Reviews | 154,488 | 152 | — |
| Starting price | Contact for pricing | Contact for pricing | Contact for pricing |
| Free trial | No | No | No |
| Free version | No | No | No |
| Best for | Individuals, Large Enterprises, Medium Business | Large Enterprises, Medium Business, Small Business | Large Enterprises, Medium Business, Small Business |
| Category | Payment Processing Software | Payment Processing Software | Payment Processing Software |
| Platforms | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS | SaaS/Web/Cloud |
| API | — | — | Available |
| Support modes | Online | Online | Online |
| Certifications | GDPR | GDPR | GDPR |
| Data residency | Global | Global | US |
Key differences between Klarna and Sezzle
- Target audience: Klarna is built for Individuals and Large Enterprises, while Sezzle targets Large Enterprises and Medium Business.
- User satisfaction: Sezzle scores higher with a 4.4-star average.
- Deployment: Klarna supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS; Sezzle supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.
Compare Klarna vs Sezzle vs Splitit — and walk away knowing which one fits.
Which tool fits your team best
Which is actually cheaper for your team size
Where each product wins, per real buyers
Most Payment Processing Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.
Biggest differences
Features
Pricing
Buying details
Security
Buyer feedback
Integrations
Product tour
Other options
Free PDF comparison
Download this Klarna vs Sezzle vs Splitit comparison
Get the full side-by-side as a PDF — these picks plus the top Payment Processing Software tools, with verified ratings, pricing and features.
- Side-by-side on pricing, features & ratings
- Plus the category top 10, scored & ranked
- Emailed to you — no on-screen download
No file downloads on screen — we email it to you. One-click unsubscribe anytime.
Biggest differences
Start here before you go deeper into features.
Best for e-commerce retailers needing flexible installment payment solutions.
- You run an online store wanting to offer customers manageable installment payments.
- Your payment operations or customer service teams need a simple, streamlined platform.
- You seek a widely integrated buy-now-pay-later service with strong customer support.
- Your business requires fully transparent, fixed pricing models without variability.
- You need a highly customizable payment platform tailored to unique workflows.
Best for e-commerce retailers seeking no-fee, interest-free flexible payments.
- You run an online store on Shopify Plus or WooCommerce needing seamless payment integration.
- You want to offer customers budget-friendly, interest-free installment plans to boost sales.
- Your business values ethical practices and promoting customer financial literacy.
- Your company lacks an online sales channel or storefront.
- You require transparent, fixed pricing or advanced enterprise payment features.
Best for flexible, interest-free installment payments using existing credit cards.
- You need to offer 0% interest split payments retaining credit card rewards and protections.
- You operate in e-commerce, healthcare, or home services with medium complexity payment needs.
- You want seamless integration with platforms like Shopify and strong customer support.
- You require extensive third-party app integrations and a broad marketplace ecosystem.
- You prefer simple, plug-and-play solutions without customization or complex setup.
Klarna: Best for e-commerce retailers needing flexible installment payment solutions. Sezzle: Best for e-commerce retailers seeking no-fee, interest-free flexible payments.
Description | Klarna helps make shopping simpler and more enjoyable by allowing customers to track their purchases, make payments and log into their account with ease. With the goal of becoming the ... Read More about Klarna | Sezzle is an accredited B Corp that simplifies the payment process for buyers with budget plans and finance options with absolutely no fees or interest! Customers can easily integrate ... Read More about Sezzle | Splitit is a flexible payment platform that enables shoppers to split purchases into manageable monthly installments using their existing credit cards—without new loans, applications, or ... Read More about Splitit |
|---|---|---|---|
Free Trial Availability |
|
|
|
User RatingsBased on verified Spotsaas reviews | |||
Best Company Size | Small BusinessLarge Enterprises | Small BusinessMedium Business | 50-5,000 employeesSmall to medium businesses |
Get pricing help | Get pricing help | Get pricing help |
Where each option fits best
See where each product is strongest, which teams it fits, and what causes buyers to keep looking — before you commit.
Based on buyer reviews and verified product data collected by Spotsaas.
Key strengths
No key benefits available yet.
No key benefits available yet.
- Interest-Free Flexibility: Empowers customers to split payments without additional charges, keeping purchases affordable and predictable.
- Rewards and Benefits Retained: Ensures customers continue earning credit card rewards, insurance, and fraud protection with every installment.
- Seamless Merchant Integration: Enables easy adoption for retailers with minimal technical complexity, improving customer experience at checkout.
Best fit
Reasons buyers look elsewhere
No alternatives guidance available yet.
No alternatives guidance available yet.
- Some users prefer BNPL platforms that do not require the full purchase amount to be available on their credit card.
- Debit card users often look for solutions that support direct debit-based installment plans.
- Businesses seeking built-in marketing tools may opt for platforms offering promotional financing options.
Software Demo
Demo |
|---|
Need a second opinion?
Get shortlist help from a software advisor
Share your priorities, budget, and team needs, and we’ll help you narrow the options and understand the tradeoffs before you talk to vendors.
- Independent advice — matched to your business
- Understand the tradeoffs before you talk to vendors
- Free 15-min call with a software advisor.
Step 1 of 4
How big is your team?
We tailor recommendations to companies your size.
How do Klarna, Sezzle and Splitit Compare on Features?
Total Features | 0 Features | 0 Features | 4 Features |
|---|---|---|---|
Unique Features | No features | No features | No unique features |
Get Quote | Get Quote | Get Quote |
Compare Klarna, Sezzle and Splitit on pricing
Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.
Pricing Option | |||
|---|---|---|---|
Pricing Plans |
|
|
|
Pricing Page | Pricing information not available | Pricing information not available |  |
Other Details
Organization Types supported |
|
|
|
|---|---|---|---|
Platforms Supported |
|
|
|
Modes of support |
|
|
|
API Support |
|
|
|
Get help choosing | Get help choosing | Get help choosing |
Security & Compliance
Certifications, data handling, and security controls for IT and compliance evaluators.
HIPAA | ✗ No | ✗ No | ✗ No |
|---|---|---|---|
GDPR | ✓ Yes | ✓ Yes | ✓ Yes |
Data Encryption | ✓ Yes | ✓ Yes | ✓ Yes |
Data Residency | 🌐 Global | 🌐 Global | 🇺🇸 US |
Klarna vs Sezzle User Reviews & Rating Comparison
User Ratings | 4.4 (based on 152 reviews) | No reviews available for the product | |
|---|---|---|---|
Rating Distribution | |||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Overall positive sentiment highlights Klarna's ease of use, flexible payments, and strong customer service, despite some frustrations with verification and credit checks. What buyers like
Common complaints
| Buyer sentiment Overall positive sentiment highlights ease of use and ethical approach, with some concerns about pricing transparency and feature depth. What buyers like
Common complaints
| Buyer sentiment Buyers appreciate Splitit's interest-free payment flexibility and strong support but note complexity and limited integrations as drawbacks. What buyers like
Common complaints
|
Pros and Cons |
|
|
|
Positive Reviews | No reviews available for the product | No reviews available for the product | No reviews available for the product |
| Negative Reviews | No reviews available for the product | No reviews available for the product | No reviews available for the product |
List of Customers
Customers |  Adidas  Petco  H |  Cotopaxi  Bass Pro Shops  LAMPS PLUS | No Customers information available. |
|---|
Media and Screenshots
Screenshots |  1 Screenshots | No screenshots available. |  5 Screenshots |
|---|---|---|---|
Videos |  3 Videos |  2 Videos |  1 Videos |
Alternatives
Alternatives |
|---|
Add another option to compare side by side
Search by product name to compare pricing, fit, and buyer feedback in one view.Compare similar software options
Related Blogs and Articles for Payment Processing Software
payment gateway software
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
Frequently asked questions
- Which is better, Klarna or Sezzle?
- Sezzle edges out the other on user ratings (4.4 vs 4.1). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Klarna and Sezzle offer a free trial?
- Neither Klarna nor Sezzle currently lists a free trial.
- What is the starting price of Klarna vs Sezzle?
- Klarna starts at Contact for pricing. Sezzle starts at Contact for pricing.
- What are the top alternatives to Klarna?
- Top alternatives to Klarna include Checkout.com, Four, Wisetack, Affirm, Afterpay.
- What are the top alternatives to Sezzle?
- Top alternatives to Sezzle include BizPayO, plug&paid, Four, Klarna, Wisetack.