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Kushki

Kushki

Latin American payments

VS

Klarna

Buy Now Pay Later

Klarna
Fees from
2-4% vs Custom
Features

0 shared

1 unique to Kushki · 2 unique to Klarna
Regions

0 shared

1 unique to Kushki · 3 unique to Klarna
Pay methods

2 shared

6 unique to Kushki · 4 unique to Klarna
On licensing

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Show full specs
3 features · 12 payment methods · 4 regions. We don't rank these — they're here for reference.
Kushki Kushki
Klarna Klarna
Quick Facts
Fees
Standard transaction rate
2-4%
Custom
Settlement
Time to receive funds
2–3 business days
1–3 business days
Founded
2017
2005
Headquarters
Quito, Ecuador
Stockholm, Sweden
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Klarna leads (2 vs 1)
Enterprise Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Kushki leads (8 vs 6)
Amex Unique
✓
—
Bank Transfer
✓
✓
Bnpl Unique
—
✓
Cash Unique
✓
—
Cash Payment Unique
✓
—
Credit Card
✓
✓
Debit Card Unique
—
✓
Digital Wallet Unique
✓
—
Direct Debit Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
✓
—
Visa Unique
✓
—
Regions
Klarna leads (3 vs 1)
Europe Unique
—
✓
Latin America Unique
✓
—
North America Unique
—
✓
Oceania Unique
—
✓

Kushki is best when you...

Latin American payments
Need Startup Friendly
Not available with Klarna
Want coverage in Latin America
Klarna doesn't cover this region
View Kushki

Klarna is best when you...

Buy Now Pay Later
Need Enterprise
Not available with Kushki
Need Recurring Payments
Not available with Kushki
Want coverage in Europe, North America, Oceania
Kushki doesn't cover these regions
View Klarna

Frequently Asked Questions

What is the difference between Kushki and Klarna?
They share 2 payment methods and 0 regions. Kushki adds Amex, Cash, Cash Payment and 3 more that Klarna does not list; Klarna adds Buy Now Pay Later, Debit Card, Direct Debit and 1 more that Kushki does not list; Kushki also covers Latin America; Klarna also covers Europe, North America and 1 more.
Which is cheaper, Kushki or Klarna?
Kushki has published rates from 2-4%; Klarna has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Kushki and Klarna?
Kushki lists 1 region and 8 payment methods; Klarna lists 3 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Kushki and Klarna compare on integration and settlement?
both offer a sandbox; both support webhooks; Kushki settles in 2–3 business days, Klarna in 1–3 business days.

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