Adyen vs Klarna
Side-by-side comparison
| Adyen | Klarna | |
|---|---|---|
| Product | Adyen | Klarna |
| Category | Payment Processing | Payment Processing |
| What it does | Unified payments, data insights, and financial products on one global platform | Smoooth payments for shoppers, growth for businesses, and flexible financing for all. |
| Pricing model | Usage-Based | Usage-Based |
| Starting price | €0.10-0.15/transaction + interchange | 3-6% + $0.30/transaction |
| Free trial | Yes | No |
| Target company size | Enterprise | SMB, Mid-Market, Enterprise |
| Deployment | Cloud/SaaS | Cloud/SaaS |
| Integrations | Salesforce, SAP, Oracle, Magento, Shopify Plus | Shopify, WooCommerce, Magento, Salesforce Commerce Cloud |
| API available | Yes | Yes |
| Certifications | PCI DSS Level 1 (Service Provider, v4.0), SOC 2 Type II, SOC 1 / ISAE 3402, ISO 27001 | PCI DSS Level 1, GDPR |
About Adyen
Adyen is an enterprise-grade financial technology platform that lets businesses accept and manage online, in-person, and omnichannel payments, with built-in risk management, reporting, and settlement tooling. It’s used by global digital-first companies, retailers, and platforms/marketplaces that need a single integration and contract to scale across countries, payment methods, and channels. Busine
Use cases: Enterprise omnichannel payments across ecommerce and in-store with unified reporting, Global expansion using local acquiring and local payment methods via one integration, Fraud prevention and conversion optimization using rules + machine learning risk decisioning, Dispute and chargeback management with analytics to improve win rates and reduce fraud notifications, Finance reconciliation and payout tracking from sales through settlement batches and payouts
About Klarna
Klarna is a leading global 'Buy Now, Pay Later' (BNPL) platform that empowers consumers with flexible payment options, including interest-free installments, pay-in-30-days, and financing. For businesses, Klarna integrates seamlessly into e-commerce platforms, driving increased sales, higher average order values, and improved conversion rates by offering these payment choices at checkout. The platf
Use cases: Increase average order value and conversion rates for online retailers. [1, 6, 8, 16], Reduce shopping cart abandonment by offering flexible payment options at checkout. [4], Provide consumers with interest-free installment plans or pay-in-30-days options. [3, 8, 19], Protect merchants from credit and fraud risks associated with customer payments. [4, 6, 19], Attract new customers and enhance customer loyalty through flexible payment solutions and marketing tools. [10, 19]