Afterpay vs Klarna
Afterpay vs Klarna, compared side by side on 20 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Afterpay is on 62/100 and Klarna on 60/100.
Where each one leads
Afterpay
Leads on none of the measures we hold for both companies.
Klarna
- agent readiness: 45/100 against 37/100
- funding raised: $9.4B against $1.0B
At a glance
| Measure | Afterpay | Klarna |
|---|---|---|
| What it is | Buy Now, Pay Later service enabling interest-free installment payments for consumers. | Klarna is a global payments and shopping service that offers direct payments, pay after delivery options and instalment plans. It makes online shopping simple, |
| Category | Fintech, Payments, Embedded Finance, Consumer App | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2B2C | B2B |
| Offering | Platform | Platform |
| Founded | 2014 | 2005 |
| Headquarters | Melbourne, Australia | Stockholm, Sweden |
| Status | Active | Active |
Size, funding and growth
| Measure | Afterpay | Klarna |
|---|---|---|
| Employees | Not published | 5,000 |
| Total funding | $1.0B | $9.4B |
| Latest round | Series F | Not published |
| Valuation | $2.8B | $7 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Afterpay | Klarna |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 62/100 | 60/100 |
| Traction | 40/100 | 60/100 |
| Team | 60/100 | 70/100 |
| Community | 8/100 | 8/100 |
| Search visibility | 12/100 | 16/100 |
| Quality | 78/100 | 65/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (37/100) | D (45/100) |
| Domain ratingLink authority, 0-100 | 90/100 | 92/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Afterpay | Klarna |
|---|---|---|
| CDN | Cloudflare | CloudFront |
| Frameworks | Next.js, Svelte, Jquery | Not detected |
| Payments | Afterpay | Klarna |
| Analytics | Amplitude | Not detected |
| Open source | Yes | No |
Afterpay vs Klarna: common questions
Which is better, Afterpay or Klarna?
On our 0-100 score Afterpay rates higher (62/100 against 60/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 20 data points above: read the rows that match what you are buying for.
How do Afterpay and Klarna compare on the numbers?
Klarna leads on agent readiness (45/100 against 37/100), funding raised ($9.4B against $1.0B).
Read the full Afterpay review and pricing or the Klarna review and pricing. You can also browse other Afterpay alternatives we track.