Side by side

Klarna vs Scalapay

Both stand on buy now, pay later platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

Klarna

Free plan AndroidAPIiPhone+1

Klarna combines merchant checkout options with consumer payment choices and a free shopper app. Check regional availability, eligibility and applicable membership terms before relying on a particular payment option.

Visit Klarna

Scalapay

Free plan AndroidAPIiPhone+1

Scalapay offers instalment payments across online and physical store channels, with plugins and API documentation for merchants. Shoppers should check any Pay in 4 fee before confirming, and merchants should review their personalized fees.

Visit Scalapay

The facts

	Klarna	Scalapay
Free plan	Yes	Yes
Open source	Not published	Not published
Runs on	Android, API, iPhone, Web	Android, API, iPhone, Web
Lowest paid plan	Klarna Core membership: $4.99 a month	Free or on request
Plans published	4	4
Maker	Not published	Not published
Website	klarna.com	scalapay.com
On buy now, pay later platforms	#4 of 26	#8 of 26

Klarna: what it does well

Supports web, in-app and in-person checkout
Offers pay-now, pay-later and instalment options
Integrates with Shopify, Adobe Commerce and WooCommerce
Free app includes payment management and delivery tracking

What to know first

US Pay in 4 is unavailable in some locations
Pay in 4 requires eligibility and approval
Late fees may be up to $7.00
WooCommerce supports only full capture

Scalapay: what it does well

Merchants receive the full purchase amount immediately.
Pay in 3 has no customer interest.
Pay-by-Link supports three or four instalments.
Plugins are listed for numerous merchant platforms.
The app supports barcode-based in-store checkout.

What to know first

Pay in 4 may carry a customer fee.
Merchants pay commission on each order.
Merchant fees are disclosed after registration.

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