Top 20 Alternatives to Klarna in Payment Gateway Software

Klarna is a leading ‘buy‑now‑pay‑later’ and checkout solution. Below is a curated list of 20 alternative payment gateway platforms that provide similar checkout, recurring billing, and global payment processing capabilities.

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Top Competitors to Consider
#2 Stripe

Developer‑first platform offering a full suite of payment APIs, subscription billing, and a customizable checkout experience.

#3 PayPal

Widely recognized digital wallet and gateway supporting one‑time, recurring, and BNPL payments across 200+ markets.

#4 Square

Integrated POS and online payment gateway with invoicing, subscription billing, and a robust ecosystem for SMBs.

#5 Adyen

Enterprise‑grade global payment platform offering unified commerce, risk management, and support for over 250 payment methods.

PayPal‑owned gateway providing seamless credit‑card, PayPal, Apple Pay, Google Pay, and local payment method integration.

Long‑standing gateway with advanced fraud detection, recurring billing, and easy integration for merchants of all sizes.

Global payment processor supporting omnichannel payments, multi‑currency settlement, and robust reporting tools.

All‑in‑one solution for online payments, subscription billing, and global tax compliance.

#10 PayU

Emerging market focused gateway offering localized payment methods, installment plans, and fraud protection.

#11 Razorpay

India‑centric payment gateway with support for cards, UPI, wallets, and easy integration for SaaS platforms.

Modern API‑driven gateway delivering high‑performance processing, real‑time analytics, and global acquiring.

#13 Mollie

European‑focused gateway offering simple API, support for SEPA, iDEAL, Bancontact, and built‑in subscription handling.

#14 Payoneer

Cross‑border payment platform enabling mass payouts, marketplace settlements, and multi‑currency accounts.

Leverages Amazon shopper accounts for frictionless checkout, with fraud protection and voice‑enabled payments.

#16 Alipay

China’s leading digital wallet and payment gateway, offering QR‑code, online, and in‑app payments for global merchants.

Integrated payment solution within WeChat ecosystem, supporting QR‑code, mini‑program, and e‑commerce transactions.

#18 Afterpay

BNPL provider allowing shoppers to split purchases into interest‑free installments, with merchant integration tools.

#19 Sezzle

U.S.‑based BNPL platform offering four‑installment payments, fraud protection, and easy API integration.

#20 Splitit

Installment payment gateway that uses existing credit lines, enabling zero‑interest splits without additional credit checks.

Australian‑origin BNPL service supporting four‑installment payments, with merchant plugins for major e‑commerce platforms.