Klarna vs Payflex
| Klarna | Payflex | |
|---|---|---|
| Free plan | No | No |
| Free trial | No | No |
| Paid from | — | — |
| Open source | No | No |
| Platforms | Web, iOS, Android | Web, Android |
| 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 | Pay in 2 over 2 paydays; Pay in 3 over 3 paydays; Pay in 4 over 6 weeks; Pay Now in one payment |
| Merchant platforms | Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce | Shopify; Magento; WordPress WooCommerce; custom websites via API |
| 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 | South Africa |
| Merchant dashboard | Yes | Yes |
| Free plan | — | No |
Both are listed in Best Buy Now, Pay Later Platforms. On Samsung Mobile US Press, Klarna scores higher on our published basis.