Comparisons
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Klarna vs Affirm: BNPL Service Comparison for E-commerce in 2026
Klarna vs Affirm: BNPL for E-commerce
BNPL (Buy Now, Pay Later) is the fastest-growing fintech segment. Klarna and Affirm are two leaders with different strategies. Klarna goes wide: 45 countries, 500K+ merchants. Affirm goes deep: US + Canada, but with high average order value and strong analytics. Which is better for your store?
Comparison Table
| Criteria | Klarna | Affirm |
|---|---|---|
| Geography | 45 countries | US + Canada |
| Active Users | 150M+ | 25M+ |
| Merchants | 500K+ | 300K+ |
| Average Order | -300 | -1,500 |
| BNPL Options | Pay in 4, Pay in 30d, Finance | Pay in 4, Monthly Finance |
| Buyer Interest | 0% | 0-36% APR |
| Merchant Fee | 2.5-4.5% | 3-6% |
| Integration | Fast (widget + API) | Fast (widget + API) |
| Affiliate Program | CPA -150 | Rev share 0.5-2% |
Where Klarna Wins
International Reach
45 countries vs two for Affirm. If your store sells to Europe, Australia, or Latin America — Klarna is the only choice. Affirm simply doesn’t work outside North America.