Klarna vs. Stripe Payments in comparison

What is Klarna?

Klarna claims to be Europe's most well-funded Fintech, aiming to "fundamentally change the payment experience for buyers and sellers". Founded in 2005, Klarna now counts around 200,000 active merchants, approximately 85 million end customers, and around 1 million transactions per day. In 2014, Klarna took over Sofort GmbH, followed by the acquisition of Billpay GmbH and licensing as a bank in 2017, allowing the Klarna Bank (as the Swedish company has been officially named since then) to offer a range of its own financial products to buyers and sellers. With Klarna, outstanding payments can be made quickly, easily, and securely - either immediately, at a later date, or in instalments. Users also have access to a Klarna App and a Klarna Card, which can be used online and in stores.

What is Stripe Payments?

Stripe itself is a technology company that, according to its own statements, "builds solutions for the economic infrastructure of the Internet". With Stripe Payments, the company offers the ability to accept and send payments worldwide via one's own website or app. The tool is supposed to be suitable for companies of all sizes and especially for retailers who are active both online and in brick-and-mortar stores, companies with subscription models, software platforms, and marketplaces. The company advertises the provision of a hosted payment page (via Stripe Checkout), customizable workflows, and numerous integrations with other SaaS providers. According to its own statements, Stripe Payments supports dozens of payment methods and 135+ currencies.

Is Stripe Payments a bank?

No, Stripe is not a bank, but an online payment service provider, which enables you to accept a large number of payment methods in your webshop.

What payment methods does Stripe Payments support?

Depending on the region where your company is based (USA, EU, and the rest of the world), the offered payment methods vary. In the EU, Stripe offers Alipay, Apple Pay, Bancontact, credit cards, EPS, giropay, Google Pay, iDEAL, Multibanco, SEPA direct debit, Sofort transfer, P24, and WeChat Pay. More information is available on the provider's website.

Is Stripe Payments GDPR compliant?

According to the provider Stripe, the software has been GDPR compliant since May 2018.

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Klarna vs. Stripe Payments

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