Klarna
Shop now. Pay later.
★ 4.2
BNPL leader. Merchant fees ~5.99% + $0.30 (negotiable to 3.29%). No setup fees. Consumer pays nothing.
Características
✓ Pay in 4 installments (interest-free)
✓ Pay in 30 days
✓ Financing (6-36 months)
✓ One-time virtual cards
✓ Express checkout
✓ Klarna absorbs consumer credit risk
Ventajas
- + Increases conversion 30%+ (claimed)
- + Klarna handles all credit risk
- + No setup or monthly fees
- + Popular with consumers
Desventajas
- − Higher fees than card processing (~5.99%)
- − Rates not transparent (must negotiate)
- − Consumer complaints about aggressive collection