Comparison
Compared only where both are actually priced. Telling you one is cheaper than a rail that does not operate in your market would not be a comparison, so the 14 shared markets below are the whole basis.
Where both are priced
Markets the other lacks
Markets the other lacks
Stripe is cheaper in 12 of the 14 shared markets, Klarna in 2. Each side is priced on the equivalent of $100 through its cheapest product in that market, and both sides are always quoted on the same channel, since a card rate and a payout rate are not the same purchase.
| Market | Klarna | Stripe | Cheaper |
|---|---|---|---|
| AustraliaOnline | Klarna Pay in 3 / Pay later3.29% + A$0.42Estimate | Stripe Card (online)1.7% + A$0.30Estimate | Stripe |
| CanadaOnline | Klarna Pay in 3 / Pay later3.29% + CA$0.42Estimate | Stripe Card (online)2.9% + CA$0.30Estimate |
Fees are compared on the equivalent of $100 so markets with different currencies rank against each other rather than by nominal number. A provider running several products is represented by whichever is cheapest in that market, which is the fairest read of “what would this cost me”. Rates marked 0% are genuinely free at the point of use, not missing data. The channel beside each market is the one both providers are quoted on.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
| Stripe |
| DenmarkOnline | Klarna Pay in 3 / Pay later3.29% + DKK 1.95Estimate | Stripe Card (online)1.5% + DKK 0.25Estimate | Stripe |
| FranceOnline | Klarna Pay in 3 / Pay later3.29% + €0.26Estimate | Stripe Card (online)1.5% + €0.25Estimate | Stripe |
| GermanyOnline | Klarna Pay Now (Sofort)0.9% + €0.25Estimate | Stripe Card (online)1.5% + €0.25Estimate | Klarna |
| IrelandOnline | Klarna Pay in 3 / Pay later3.29% + €0.26Estimate | Stripe Card (online)1.5% + €0.25Estimate | Stripe |
| ItalyOnline | Klarna Pay in 3 / Pay later3.29% + €0.26Estimate | Stripe Card (online)1.5% + €0.25Estimate | Stripe |
| NetherlandsOnline | Klarna Pay Now (Sofort)0.9% + €0.25Estimate | Stripe Card (online)1.5% + €0.25Estimate | Klarna |
| New ZealandOnline | Klarna Pay in 3 / Pay later3.29% + NZ$0.52Estimate | Stripe Card (online)2.7% + NZ$0.30Estimate | Stripe |
| PolandOnline | Klarna Pay in 3 / Pay later3.29% + PLN 1.14Estimate | Stripe Card (online)1.5% + PLN 0.25Estimate | Stripe |
| SpainOnline | Klarna Pay in 3 / Pay later3.29% + €0.26Estimate | Stripe Card (online)1.5% + €0.25Estimate | Stripe |
| SwedenOnline | Klarna Pay in 3 / Pay later3.29% + SEK 2.95Estimate | Stripe Card (online)1.5% + SEK 0.25Estimate | Stripe |
| United KingdomOnline | Klarna Pay in 3 / Pay later3.29% + £0.22Estimate | Stripe Card (online)1.5% + £0.20Estimate | Stripe |
| United StatesOnline | Klarna Pay in 3 / Pay later3.29% + $0.30Estimate | ACH Direct Debit (US)0.8%, capped at $5.00Estimate | Stripe |