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Stax

Stax

High-volume businesses

VS

Klarna

Buy Now Pay Later

Klarna
Fees from
Interchange + flat monthly fee vs Custom
Features

2 shared

1 unique to Stax
Regions

1 shared

2 unique to Klarna
Pay methods

2 shared

10 unique to Stax · 4 unique to Klarna
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
3 features · 16 payment methods · 3 regions. We don't rank these — they're here for reference.
Stax Stax
Klarna Klarna
Quick Facts
Fees
Standard transaction rate
Interchange + flat monthly fee
Custom
Settlement
Time to receive funds
1–2 business days
1–3 business days
Founded
2014
2005
Headquarters
Orlando, Florida, United States
Stockholm, Sweden
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stax leads (3 vs 2)
Enterprise
✓
✓
Low Fees Unique
✓
—
Recurring Payments
✓
✓
Payment Methods
Stax leads (12 vs 6)
Ach Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Bnpl Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Direct Debit Unique
—
✓
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard Unique
✓
—
Paypal Unique
✓
—
Visa Unique
✓
—
Regions
Klarna leads (3 vs 1)
Europe Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

Stax is best when you...

High-volume businesses
Need Low Fees
Not available with Klarna
View Stax

Klarna is best when you...

Buy Now Pay Later
Want coverage in Europe, Oceania
Stax doesn't cover these regions
View Klarna

Frequently Asked Questions

What is the difference between Stax and Klarna?
They share 2 payment methods and 1 region. Stax adds ACH, Amex, Apple Pay and 7 more that Klarna does not list; Klarna adds Bank Transfer, Buy Now Pay Later, Direct Debit and 1 more that Stax does not list; Klarna also covers Europe, Oceania; only Stax offers Low Fees.
Which is cheaper, Stax or Klarna?
Stax has published rates from Interchange + flat monthly fee; 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 Stax and Klarna?
Stax lists 1 region and 12 payment methods; Klarna lists 3 and 6. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stax and Klarna compare on integration and settlement?
both offer a sandbox; both support webhooks; Stax settles in 1–2 business days, Klarna in 1–3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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