Klarna vs PayPal
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
Klarna offers fewer features (13 vs 66) and fewer integrations (6 vs 10). Both start at Contact Sales. Klarna has 12 unique features while PayPal has 65 unique features, with 1 features in common.
| Klarna | PayPal | |
|---|---|---|
| Category | Payment Processing | Payment Processing |
| Total Features | 13 | 66 |
| AI-Powered Features | 0 | 0 |
| Starting Price | Contact Sales | Contact Sales |
| Pricing Tiers | 0 | 0 |
| Integrations | 6 | 10 |
| Shared Features | 1 | |
| Shared Integrations | 0 | |
| Data Quality | 40% | 75% |
Feature Comparison by Category
API (0 vs 7)
| Feature | Klarna | PayPal |
|---|---|---|
| Get Transaction Details API | ||
| Instant Payment Notification | ||
| Mass Pay API | ||
| Payment Data Transfer | ||
| Refund API | ||
| Transaction Search API | ||
| Web Services/API Suite |
Account Management (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Multi-User Access |
Billing (0 vs 2)
| Feature | Klarna | PayPal |
|---|---|---|
| Credit Card Statement Name | ||
| Invoicing |
Buyer Tools (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Gift Certificates |
Checkout (0 vs 3)
| Feature | Klarna | PayPal |
|---|---|---|
| Auto Return | ||
| Checkout with PayPal Account Optional | ||
| Custom Payment Pages |
Credit Products (0 vs 5)
| Feature | Klarna | PayPal |
|---|---|---|
| PayPal Cashback Mastercard | ||
| PayPal Credit Card | ||
| PayPal Extras Mastercard | ||
| PayPal Smart Connect | ||
| eBay Mastercard |
Cryptocurrency (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Cryptocurrency Trading |
Developer Tools (0 vs 3)
| Feature | Klarna | PayPal |
|---|---|---|
| Developer Central | ||
| PayPal Developer Network | ||
| Sandbox |
Ecommerce Tools (0 vs 3)
| Feature | Klarna | PayPal |
|---|---|---|
| Buy Now Buttons | ||
| Shopping Cart | ||
| Subscription Password Management |
Financial Management (1 vs 0)
| Feature | Klarna | PayPal |
|---|---|---|
| Spending Tracker |
Global Payments (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Currency Manager |
Installment Payments (0 vs 3)
| Feature | Klarna | PayPal |
|---|---|---|
| Pay Monthly | ||
| Pay Monthly In Store | ||
| Pay in 4 |
Integration (1 vs 0)
| Feature | Klarna | PayPal |
|---|---|---|
| Multi-Retailer Support |
Localization (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Language Preference Toggle |
Marketing (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Online Logo Center |
Mobile (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Mobile Send Money |
Mobile App (1 vs 0)
| Feature | Klarna | PayPal |
|---|---|---|
| Klarna App |
Money Transfer (0 vs 5)
| Feature | Klarna | PayPal |
|---|---|---|
| Mass Pay | ||
| Pool | ||
| Request Money | ||
| Send Money | ||
| Split Bill |
Payment Methods (2 vs 2)
| Feature | Klarna | PayPal |
|---|---|---|
| ATM/Debit Card | ||
| Apple Pay Integration | ||
| Klarna Card | ||
| PayPal Debit Card |
Payment Options (4 vs 0)
| Feature | Klarna | PayPal |
|---|---|---|
| OnePay Later | ||
| Pay Over Time | ||
| Pay in 30 Days | ||
| Pay in 4 |
Payment Processing (0 vs 4)
| Feature | Klarna | PayPal |
|---|---|---|
| Donations | ||
| Payment Request Wizard | ||
| Refunds | ||
| Subscriptions and Recurring Payments |
Pricing (1 vs 0)
| Feature | Klarna | PayPal |
|---|---|---|
| No Fees if Paid On Time |
Protection (0 vs 3)
| Feature | Klarna | PayPal |
|---|---|---|
| Money-Back Guarantee | ||
| PayPal Buyer Protection | ||
| Seller Protection Policy |
Reporting (0 vs 6)
| Feature | Klarna | PayPal |
|---|---|---|
| Advanced Search | ||
| Downloadable Logs | ||
| History Log | ||
| Monthly Account Statements | ||
| Scheduled Downloadable Log | ||
| Settlement & Reconciliation System |
Rewards (1 vs 3)
| Feature | Klarna | PayPal |
|---|---|---|
| Cash Back Rewards | ||
| Cashback Rewards | ||
| Monthly Category Bonus | ||
| PayPal Preferred |
Savings (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| PayPal Savings Account |
Security (2 vs 2)
| Feature | Klarna | PayPal |
|---|---|---|
| Buyer Protection | ||
| Encrypted Website Payments | ||
| Payment Encryption | ||
| Secure Checkout |
Shipping (0 vs 3)
| Feature | Klarna | PayPal |
|---|---|---|
| Packing Slip | ||
| Shipping Calculator | ||
| Shipping Center |
Support (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Buyer Complaint Process |
Tax (0 vs 1)
| Feature | Klarna | PayPal |
|---|---|---|
| Sales Tax Calculator |
eBay Tools (0 vs 2)
| Feature | Klarna | PayPal |
|---|---|---|
| End of Auction Email | ||
| Pay for eBay Items (AuctionFinder) |
Unique Features
Only in Klarna (12)
Spending Tracker
Multi-Retailer Support
Klarna App
Apple Pay Integration
Klarna Card
OnePay Later
Pay in 30 Days
Pay Over Time
No Fees if Paid On Time
Cashback Rewards
Buyer Protection
Secure Checkout
Only in PayPal (65)
Multi-User Access
Get Transaction Details API
Instant Payment Notification
Mass Pay API
Payment Data Transfer
Refund API
Transaction Search API
Web Services/API Suite
Credit Card Statement Name
Invoicing
Gift Certificates
Auto Return
Checkout with PayPal Account Optional
Custom Payment Pages
eBay Mastercard
PayPal Cashback Mastercard
PayPal Credit Card
PayPal Extras Mastercard
PayPal Smart Connect
Cryptocurrency Trading
+ 45 more unique features
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