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Stripe

Stripe

SaaS & Developers

VS

Klarna

Buy Now Pay Later

Klarna
Fees from
1.5%–3.15% + 1.8 SEK vs Custom
Features

2 shared

4 unique to Stripe
Regions

3 shared

4 unique to Stripe
Pay methods

4 shared

16 unique to Stripe · 2 unique to Klarna
On region

Stripe covers 7 regions; Klarna covers 3. Verify directly with each provider before signing.

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Show full specs
6 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Klarna Klarna
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
Custom
Settlement
Time to receive funds
2–4 business days
1–3 business days
Founded
2010
2005
Headquarters
South San Francisco, California
Stockholm, Sweden
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 2)
Crypto Support Unique
✓
—
Enterprise
✓
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Stripe leads (20 vs 6)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Bnpl Unique
—
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Direct Debit Unique
—
✓
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna
✓
✓
Mastercard Unique
✓
—
Paypal Unique
✓
—
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa Unique
✓
—
Regions
Stripe leads (7 vs 3)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania
✓
✓

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Klarna
Need Instant Payout
Not available with Klarna
Want coverage in Africa, Asia, Latin America, Middle East
Klarna doesn't cover these regions
View Stripe

Klarna is best when you...

Buy Now Pay Later
View Klarna

Frequently Asked Questions

What is the difference between Stripe and Klarna?
They share 4 payment methods and 3 regions. Stripe adds ACH, Affirm, Afterpay and 13 more that Klarna does not list; Klarna adds Buy Now Pay Later, Direct Debit that Stripe does not list; Stripe also covers Africa, Asia and 2 more; only Stripe offers Crypto Support, Instant Payout and 2 more.
Which is cheaper, Stripe or Klarna?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; 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 Stripe and Klarna?
Stripe lists 7 regions and 20 payment methods; Klarna lists 3 and 6. both cover Europe, North America, Oceania. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Klarna compare on integration and settlement?
both offer a sandbox; both support webhooks; Stripe settles in 2–4 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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