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.
Want the guide to assessing BNPL vendors?
Need more help choosing a BNPL solution?
Compare BNPL Providers: Affirm vs Klarna vs Jifiti
(online, in-store)
Key Takeaways
1
First step is to decide if you're taking the white-label or D2C BNPL route.
2
White-label BNPL enables you to build long-term customer relationships.
3
Look for a solution that facilitates BNPL for regulated financial entities.
Frequently Asked Questions
With a white-labeled BNPL solution, the merchant retains full customer and data ownership and runs no risk of brand dilution.
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.
Why Jifiti
Multi-lender
Multi-lender network with waterfall means higher customer acceptance rates
White-labeled
Fully-branded experience from application through to payment
Quick time to market
Zero to minimal integration required with your POS or ecommerce platform
BNPL at bank rates
BNPL from leading banks and lenders means more affordable rates
Global Facilitation
Plug-and-play backend connects to any lender
Multiple Loan Programs
Supports installment product, line of credit and pay by 3/4