Checkout.com
Checkout.com is a global payments platform providing end-to-end financial solutions including payment processing, fraud detection, and card issuing to help businesses scale their international digital commerce operations.
Klarna
Klarna is a global payment service provider that offers flexible buy now pay later solutions and a comprehensive shopping app to help you manage your finances and purchases.
Quick Comparison
| Feature | Checkout.com | Klarna |
|---|---|---|
| Website | checkout.com | klarna.com |
| Pricing Model | Custom | Freemium |
| Starting Price | Custom Pricing | Custom Pricing |
| FREE Trial | ✘ No free trial | ✘ No free trial |
| Free Plan | ✘ No free plan | ✓ Has free plan |
| Product Demo | ✓ Request demo here | ✘ No product demo |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2012 | 2005 |
| Headquarters | London, UK | Stockholm, Sweden |
Overview
Checkout.com
Checkout.com provides you with a unified platform to manage every stage of the payment lifecycle. You can accept global payments, manage risk, and issue your own cards through a single integration. The platform is designed to handle high-volume transactions for global brands, offering deep data insights that help you improve authorization rates and reduce friction at the point of sale.
You can customize your checkout experience to match your brand while accessing over 150 currencies and dozens of local payment methods. Whether you are expanding into new markets or looking to optimize your existing payment stack, the platform gives you the tools to monitor performance in real-time and protect your revenue from sophisticated fraud.
Klarna
Klarna is a flexible payment and shopping platform that changes how you handle your online and in-store purchases. Instead of paying for everything upfront, you can split your costs into smaller, manageable installments or delay payments entirely until after your items arrive. This flexibility helps you manage your cash flow without the high interest rates typically associated with traditional credit cards.
You can use the platform across millions of retailers worldwide through its dedicated app or integrated web checkouts. It also provides you with a centralized hub to track your deliveries, manage returns, and monitor your spending habits in real-time. Whether you are a frequent shopper looking for budget flexibility or a business owner wanting to increase conversion rates, the platform provides the tools to make transactions smoother and more transparent.
Overview
Checkout.com Features
- Global Acquiring Process payments in over 150 currencies with local acquiring in major markets to boost your authorization rates.
- Intelligent Acceptance Use AI-driven optimization to automatically route transactions and format data, ensuring you capture every possible sale.
- Fraud Detection Protect your business with machine learning tools that identify and block suspicious activity without blocking legitimate customers.
- Flexible Integration Choose between hosted payment pages, mobile SDKs, or full API integration to build the exact checkout experience you need.
- Card Issuing Create and manage your own virtual or physical card programs to streamline payouts and control corporate spending.
- Real-time Reporting Access granular transaction data and financial analytics instantly so you can make informed decisions about your business growth.
Klarna Features
- Pay in 4. Split your purchase into four interest-free payments bi-weekly so you can manage your budget more effectively.
- Pay in 30 Days. Try your items at home before you pay by delaying the full transaction for up to a month.
- Klarna Financing. Spread the cost of larger purchases over 6 to 36 months with transparent monthly plans and clear terms.
- Price Drop Alerts. Save your favorite items to a collection and get notified immediately when the price drops so you never overpay.
- Digital Wallet. Store all your loyalty cards in one place and pay securely at any checkout with a single tap.
- Buyer Protection. Shop with confidence knowing you are covered if your items don't arrive or aren't as described.
Pricing Comparison
Checkout.com Pricing
Klarna Pricing
Pros & Cons
Checkout.com
Pros
- High authorization rates for international transactions
- Unified platform simplifies complex global payment stacks
- Excellent documentation for developers and technical teams
- Granular data insights help optimize payment performance
Cons
- Custom pricing lacks transparency for smaller merchants
- Lengthy onboarding process for high-risk industries
- Support response times can vary during peak periods
Klarna
Pros
- Interest-free installments make high-ticket items more affordable
- Intuitive mobile app simplifies tracking multiple orders
- Smooth checkout process saves time during online shopping
- Helpful notifications remind you before upcoming payments are due
Cons
- Late fees apply if you miss a scheduled payment
- Customer support response times can be slow during peaks
- Missing payments can negatively impact your credit score