Klarna vs Ume
Klarna vs Ume, compared side by side on 16 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 Ume on 53/100.
Where each one leads
Klarna
- our overall score: 60/100 against 53/100
- agent readiness: 45/100 against 21/100
- domain rating: 92/100 against 6/100
- funding raised: $9.4B against $36.0M
Ume
Leads on none of the measures we hold for both companies.
At a glance
| Measure | Klarna | Ume |
|---|---|---|
| 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, | A Brazilian fintech platform empowering merchants to offer and operate their own credit businesses with AI-driven embedded finance. |
| Category | Fintech, Payments, Digital Payments, Embedded Finance | Fintech, Embedded Finance, Payments, Lending |
| Sells toBusiness model | B2B | B2B |
| Offering | Platform | Platform |
| Founded | 2005 | 2019 |
| Headquarters | Stockholm, Sweden | São Paulo, Brazil |
| Status | Active | Inactive |
Size, funding and growth
| Measure | Klarna | Ume |
|---|---|---|
| Employees | 5,000 | Not published |
| Total funding | $9.4B | $36.0M |
| Latest round | Not published | Series B |
| 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 | Ume |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 60/100 | 53/100 |
| Traction | 60/100 | 38/100 |
| Team | 70/100 | 70/100 |
| Community | 8/100 | 8/100 |
| Search visibility | 16/100 | 11/100 |
| Quality | 65/100 | 62/100 |
| Agent readinessHow well an AI agent can read and act on the site | D (45/100) | F (21/100) |
| Domain ratingLink authority, 0-100 | 92/100 | 6/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Klarna | Ume |
|---|---|---|
| CDN | CloudFront | Not detected |
| Payments | Klarna | Not detected |
Klarna vs Ume: common questions
Which is better, Klarna or Ume?
On our 0-100 score Klarna rates higher (60/100 against 53/100). 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 16 data points above: read the rows that match what you are buying for.
How do Klarna and Ume compare on the numbers?
Klarna leads on our overall score (60/100 against 53/100), agent readiness (45/100 against 21/100), domain rating (92/100 against 6/100), funding raised ($9.4B against $36.0M).
Read the full Klarna review and pricing or the Ume review and pricing. You can also browse other Klarna alternatives we track.