Klarna vs PayPal Payments
Klarna vs PayPal Payments, compared side by side on 17 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: Klarna is on 60/100 and PayPal Payments on 75/100.
Where each one leads
Klarna
- funding raised: $9.4B against $1.7B
PayPal Payments
- our overall score: 75/100 against 60/100
- agent readiness: 57/100 against 45/100
At a glance
| Measure | Klarna | PayPal Payments |
|---|---|---|
| What it is | Klarna is a global payments and shopping service that offers direct payments, pay after delivery options and instalment plans. It makes online shopping simple, | Global digital payments platform facilitating transactions for consumers and merchants. |
| Category | Fintech, Payments, Digital Payments, Embedded Finance | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2B | B2B | B2C |
| Offering | Platform | Platform |
| Founded | 2005 | 1998 |
| Headquarters | Stockholm, Sweden | San Jose, United States |
| Status | Active | Active |
Size, funding and growth
| Measure | Klarna | PayPal Payments |
|---|---|---|
| Employees | 5,000 | Not published |
| Total funding | $9.4B | $1.7B |
| Latest round | Not published | Acquisition |
| Valuation | $7 | Not published |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Klarna | PayPal Payments |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 60/100 | 75/100 |
| Traction | 60/100 | 40/100 |
| Team | 70/100 | 70/100 |
| Community | 8/100 | Not published |
| Search visibility | 16/100 | 17/100 |
| Quality | 65/100 | 99/100 |
| Agent readinessHow well an AI agent can read and act on the site | D (45/100) | D (57/100) |
| Domain ratingLink authority, 0-100 | 92/100 | 95/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Klarna | PayPal Payments |
|---|---|---|
| CDN | CloudFront | Cloudflare |
| Frameworks | Not detected | Tailwind CSS, Bootstrap |
| Payments | Klarna | PayPal |
Klarna vs PayPal Payments: common questions
Which is better, Klarna or PayPal Payments?
On our 0-100 score PayPal Payments rates higher (75/100 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 17 data points above: read the rows that match what you are buying for.
How do Klarna and PayPal Payments compare on the numbers?
Klarna leads on funding raised ($9.4B against $1.7B). PayPal Payments leads on our overall score (75/100 against 60/100), agent readiness (57/100 against 45/100).
Read the full Klarna review and pricing or the PayPal Payments review and pricing. You can also browse other Klarna alternatives we track.