Alternatives to Klarna
The top Fintech companies similar to Klarna, ranked by relevance (named competitors first, then how closely their sectors overlap) and our 0-100 AI-readiness score. Each links to a full profile with funding and team.
Affirm64FintechSan Francisco, United States$1.9B
PayPal77FintechSan Jose, United States$9.9B
PayPal Payments76FintechSan Jose, United States$1.7B
Zip (Formerly Quadpay)70FintechSydney, Australia$1.3B
Younited61FintechParis, France$666.8M
Sezzle56FintechMinneapolis, United States$285.0M- ATAtome48FintechSingapore, Singapore$30.0M
qomodo38FintechMilan, Italy$1.0M
Sunbit68FintechSan Diego, United States$446.0M
Zilch50FintechLondon, United Kingdom$737.0M
Capim36FintechTel Aviv, Israel
Pier34FintechSan Francisco, United States$2.9M
PayPal Credit6Fintech
Mondu60FintechBerlin, Germany$159.0M
SeQura59FintechBarcelona, Spain$604.8M
Paidy62Tokyo, Japan$273.0M
Afterpay61$1.0B
Happy Pay52Johannesburg, South Africa$6.8M- UMUme50São Paulo, Brazil$36.0M
Aemetis15Climate TechCupertino, United States
Stash55FintechNew York City, United States$460.5M- FIFiserv Inc.77Banking TechnologyMilwaukee, United States$500.0M
Mercado Pago17FintechBuenos Aires, Argentina
Block67FintechSan Francisco, USA$10.0M
Mambu67FintechBerlin, Germany$443.8M
Bolt63FintechSan Francisco, United States$938.0M
Scalapay61FintechMilan, Italy$781.5M
Addi61FintechBogotá, Colombia
Cross River Bank58FintechFort Lee, United States$100.0M
Shopify55E-commerce PlatformOttawa, Canada$122.3M
Wamo54FintechHelsinki, Finland$15.0M
CredPal53FintechLagos, Nigeria$16.6M
Oodle Car Finance52FintechOxford, United Kingdom$630.0M
Clover41Payment ProcessingSunnyvale, United States$1.4B
Bank of America30FintechCharlotte, United States$4.5B
Precisa10FintechIndia- SMSmartPay6FintechTokyo, Japan
- CCCC MoneybaseFintechMosta, Malta
Chime77FintechSan Francisco, United States$12.7B
Rapyd73PaymentsLondon, United Kingdom$1.3B
Razorpay73FintechBengaluru, India$167.0M
Curve69FintechLondon, United Kingdom$279.0M
Global Payments66FintechAtlanta, United States$607.0M
Cover Genius65InsurTechNew York, United States$150.0M
Balance63FintechNew York, United States$86.5M
Braintree63Fintech & PaymentsChicago, United States$69.0M
PicPay59FintechSão Paulo, Brazil$614.0M
RecargaPay59FintechSão Paulo, Brazil$37.0M
Payflows58FintechParis, France$32.1M
Iyzico58FintechIstanbul, Turkey$50.6M
Neon Pagamentos S.A.57FintechSão Paulo, Brazil$297.0M
Yoyo Wallet56FintechLondon, United Kingdom$31.0M
Adyen56FintechAmsterdam, Netherlands$369.0M
40Seas55FintechTel Aviv, Israel$117.0M
highradius54Accounts ReceivableHouston, United States$475.0M
Coink54FintechBogota, Colombia$6.0M
Carmoola54FintechLondon, United Kingdom$528.2M
Cloud Walk54FintechSão Paulo, Brazil$210.0M
Weav52FintechNew York, United States$14.3M
Dojo50FintechLondon, United Kingdom$385.1M
| Company | Sector | HQ | Funding | Score |
|---|---|---|---|---|
| Affirm | Fintech | San Francisco, United States | $1.9B | 64 |
| PayPal | Fintech | San Jose, United States | $9.9B | 77 |
| PayPal Payments | Fintech | San Jose, United States | $1.7B | 76 |
| Zip (Formerly Quadpay) | Fintech | Sydney, Australia | $1.3B | 70 |
| Younited | Fintech | Paris, France | $666.8M | 61 |
| Sezzle | Fintech | Minneapolis, United States | $285.0M | 56 |
| ATAtome | Fintech | Singapore, Singapore | $30.0M | 48 |
| qomodo | Fintech | Milan, Italy | $1.0M | 38 |
| Sunbit | Fintech | San Diego, United States | $446.0M | 68 |
| Zilch | Fintech | London, United Kingdom | $737.0M | 50 |
| Capim | Fintech | Tel Aviv, Israel | — | 36 |
| Pier | Fintech | San Francisco, United States | $2.9M | 34 |
| PayPal Credit | Fintech | — | — | 6 |
| Mondu | Fintech | Berlin, Germany | $159.0M | 60 |
| SeQura | Fintech | Barcelona, Spain | $604.8M | 59 |
| Paidy | — | Tokyo, Japan | $273.0M | 62 |
| Afterpay | — | — | $1.0B | 61 |
| Happy Pay | — | Johannesburg, South Africa | $6.8M | 52 |
| UMUme | — | São Paulo, Brazil | $36.0M | 50 |
| Aemetis | Climate Tech | Cupertino, United States | — | 15 |
| Stash | Fintech | New York City, United States | $460.5M | 55 |
| FIFiserv Inc. | Banking Technology | Milwaukee, United States | $500.0M | 77 |
| Mercado Pago | Fintech | Buenos Aires, Argentina | — | 17 |
| Block | Fintech | San Francisco, USA | $10.0M | 67 |
| Mambu | Fintech | Berlin, Germany | $443.8M | 67 |
| Bolt | Fintech | San Francisco, United States | $938.0M | 63 |
| Scalapay | Fintech | Milan, Italy | $781.5M | 61 |
| Addi | Fintech | Bogotá, Colombia | — | 61 |
| Cross River Bank | Fintech | Fort Lee, United States | $100.0M | 58 |
| Shopify | E-commerce Platform | Ottawa, Canada | $122.3M | 55 |
| Wamo | Fintech | Helsinki, Finland | $15.0M | 54 |
| CredPal | Fintech | Lagos, Nigeria | $16.6M | 53 |
| Oodle Car Finance | Fintech | Oxford, United Kingdom | $630.0M | 52 |
| Clover | Payment Processing | Sunnyvale, United States | $1.4B | 41 |
| Bank of America | Fintech | Charlotte, United States | $4.5B | 30 |
| Precisa | Fintech | India | — | 10 |
| SMSmartPay | Fintech | Tokyo, Japan | — | 6 |
| CCCC Moneybase | Fintech | Mosta, Malta | — | — |
| Chime | Fintech | San Francisco, United States | $12.7B | 77 |
| Rapyd | Payments | London, United Kingdom | $1.3B | 73 |
| Razorpay | Fintech | Bengaluru, India | $167.0M | 73 |
| Curve | Fintech | London, United Kingdom | $279.0M | 69 |
| Global Payments | Fintech | Atlanta, United States | $607.0M | 66 |
| Cover Genius | InsurTech | New York, United States | $150.0M | 65 |
| Balance | Fintech | New York, United States | $86.5M | 63 |
| Braintree | Fintech & Payments | Chicago, United States | $69.0M | 63 |
| PicPay | Fintech | São Paulo, Brazil | $614.0M | 59 |
| RecargaPay | Fintech | São Paulo, Brazil | $37.0M | 59 |
| Payflows | Fintech | Paris, France | $32.1M | 58 |
| Iyzico | Fintech | Istanbul, Turkey | $50.6M | 58 |
| Neon Pagamentos S.A. | Fintech | São Paulo, Brazil | $297.0M | 57 |
| Yoyo Wallet | Fintech | London, United Kingdom | $31.0M | 56 |
| Adyen | Fintech | Amsterdam, Netherlands | $369.0M | 56 |
| 40Seas | Fintech | Tel Aviv, Israel | $117.0M | 55 |
| highradius | Accounts Receivable | Houston, United States | $475.0M | 54 |
| Coink | Fintech | Bogota, Colombia | $6.0M | 54 |
| Carmoola | Fintech | London, United Kingdom | $528.2M | 54 |
| Cloud Walk | Fintech | São Paulo, Brazil | $210.0M | 54 |
| Weav | Fintech | New York, United States | $14.3M | 52 |
| Dojo | Fintech | London, United Kingdom | $385.1M | 50 |