Splitit vs Klarna Comparison
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…
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…
Klarna leads on user satisfaction with a 4.1-star rating across 154,488 reviews.
Splitit vs Klarna — at a glance
| Feature | Splitit | Klarna |
|---|---|---|
| Rating | — | 4.1 / 5 |
| Reviews | — | 154,488 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Large Enterprises, Medium Business, Small Business | Individuals, Large Enterprises, Medium Business |
| Category | Payment Processing Software | Payment Processing Software |
| Platforms | SaaS/Web/Cloud | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS |
| API | Available | — |
| Support modes | Online | Online |
| Certifications | GDPR | GDPR |
| Data residency | US | Global |
Key differences between Splitit and Klarna
- Target audience: Splitit is built for Large Enterprises and Medium Business, while Klarna targets Individuals and Large Enterprises.
- Deployment: Splitit supports SaaS/Web/Cloud; Klarna supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.
Splitit vs Klarna — find the better fit before you commit.
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
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Biggest differences
Start here before you go deeper into 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.
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.
Splitit: Best for flexible, interest-free installment payments using existing credit cards. Klarna: Best for e-commerce retailers needing flexible installment payment solutions.
Description | 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 | 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 |
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Free Trial Availability |
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User RatingsBased on verified Spotsaas reviews | ||
Best Company Size | 50-5,000 employeesSmall to medium businesses | Small BusinessLarge Enterprises |
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
- Interest-Free Flexibility: Lets customers split payments without additional charges, keeping purchases affordable and predictable.
- Rewards and Benefits Retained: Lets customers continue earning credit card rewards, insurance, and fraud protection with every installment.
- Smooth Merchant Integration: Lets retailers adopt easily with minimal technical complexity, improving customer experience at checkout.
No key benefits available yet.
Best fit
Reasons buyers look elsewhere
- Requires full purchase amount available on credit card — users with limited credit prefer platforms accepting debit card payments
- Lacks direct debit installment options — debit-first users switch to competitors offering this payment method
- No built-in marketing tools — retailers wanting promotional financing integrate separate platforms
No alternatives guidance available yet.
Software Demo
Demo |
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How do Splitit and Klarna Compare on Features?
Total Features | 4 Features | 8 Features |
|---|---|---|
Unique Features | No unique features | No unique features |
Get Quote | Get Quote |
Compare Splitit and Klarna 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 | ||
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Pricing Page |  | Pricing information not available |
Other Details
Organization Types supported |
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Platforms Supported |
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Modes of support |
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API Support |
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Get help choosing | Get help choosing |
Security & Compliance
Certifications, data handling, and security controls for IT and compliance evaluators.
HIPAA | ✗ No | ✗ No |
|---|---|---|
GDPR | ✓ Yes | ✓ Yes |
Data Encryption | ✓ Yes | ✓ Yes |
Data Residency | 🇺🇸 US | 🌐 Global |
Splitit User Reviews & Rating Comparison
User Ratings | No reviews available for the product | |
|---|---|---|
Rating Distribution | ||
Spotsaas Editor’s POV generated by AI | 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
| 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
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Pros and Cons |
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Positive Reviews | 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 |
List of Customers
Customers | No Customers information available. |  Adidas  Petco  H |
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Media and Screenshots
Screenshots |  5 Screenshots |  1 Screenshots |
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Videos |  1 Videos |  3 Videos |
Top Alternatives to Splitit and Klarna in 2026
Alternatives |
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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, Splitit or Klarna?
- Klarna edges out the other on user ratings (4.1 vs -1.0). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Splitit and Klarna offer a free trial?
- Neither Splitit nor Klarna currently lists a free trial.
- What is the starting price of Splitit vs Klarna?
- Splitit starts at Contact for pricing. Klarna starts at Contact for pricing.
- What are the top alternatives to Splitit?
- Top alternatives to Splitit include WePay, Credit Key, Four, Klarna, Wisetack.
- What are the top alternatives to Klarna?
- Top alternatives to Klarna include Checkout.com, Four, Wisetack, Affirm, Afterpay.