Klarna vs Oney
| Klarna | Oney | |
|---|---|---|
| Free plan | No | No |
| Free trial | No | No |
| Paid from | — | — |
| Open source | No | No |
| Platforms | Web, iOS, Android | Web |
| Checkout channels | omnichannel | omnichannel |
| Repayment terms | Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available | 3, 4, 6, 10, and 12 installments; financing up to 60 months |
| Merchant platforms | Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce | PrestaShop, Magento 2, Salesforce |
| Merchant settlement | scheduled | — |
| Consumer regions | Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden, Switzerland, United Kingdom, United States | France, Italy, Portugal, Spain, Romania, Belgium, Netherlands, Germany |
| Merchant dashboard | Yes | Yes |
| Free plan | — | Yes |
Both are listed in Best Buy Now, Pay Later Platforms. On Samsung Mobile US Press, Klarna scores higher on our published basis.