Affirm vs Klarna:
Compare BNPL Providers
at a Glance
Looking into BNPL solutions like
Affirm and Klarna?
Before you continue, first decide if you want to offer your own white-labeled solution or a D2C offering like that of Affirm or Klarna.
What is White-Label BNPL?
- BNPL solutions that enable merchants and banks to offer POS financing in their own brand and customer journey.
- White-label BNPL providers support different components.
- Retailer retains control over customer relationships and data.
What is D2C BNPL?
- BNPL offered by a direct-to-consumer BNPL provider directly to your customers.
- Merchant risks diluting their brand as well as customer relationship.
- Consumer data is shared with the provider.
Need more help choosing a BNPL solution?
Compare BNPL Providers: Affirm vs Klarna vs Jifiti
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| White-labeled | ✔ | ||
| Multi-lender | ✔ | ||
| Merchant owns data | ✔ | ||
| Multi-channel | ✔ | ✔ | ✔ |
| Global | ✔ | ✔ | |
| Easy to integrate | ✔ | ✔ | ✔ |
| Enables regulated financial entities to offer BNPL | ✔ | ✔ | |
| Customer support | ✔ | ✔ | ✔ |
| Multiple loan programs | ✔ | ✔ | ✔ |
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| White-labeled | ✔ | ||
| Multi-lender | ✔ | ||
| Merchant owns data | ✔ | ||
| Multi-channel | ✔ | ✔ | ✔ |
| Global | ✔ | ✔ | |
| Easy to integrate | ✔ | ✔ | ✔ |
| Enables regulated financial entities to offer BNPL | ✔ | ✔ | |
| Customer support | ✔ | ✔ | ✔ |
| Multiple loan programs | ✔ | ✔ | ✔ |
Want to compare Affirm and Jifiti?
Want to compare Afterpay and Jifiti?
Key Takeaways
First step is to decide if you're taking the white-label or D2C BNPL route.
White-label BNPL enables you to build long-term customer relationships.
Look for a solution that facilitates BNPL for regulated financial entities.
Frequently Asked Questions
What is the main benefit of white-labeled BNPL?
With a white-labeled BNPL solution, the merchant retains full customer and data ownership and runs no risk of brand dilution.
Can I offer a BNPL solution from my own bank?
Some merchants prefer to work with their existing bank or choose their own lender when implementing a BNPL solution. With Jifiti’s BNPL platform, you can offer BNPL programs from any lender of your choice, or select one of the banks or lenders in our existing network.
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ABOUT US
Jifiti is transforming point-of-sale financing with cutting-edge technology, data and BNPL solutions.
Our white-labeled Buy Now Pay Later platform powers any bank loan program at any POS - bridging the gap between retailers, lenders, and consumers.
We offer retailers zero-integration POS financing, split pay and end-to-end retail gifting solutions.
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