Klarna vs Jifiti

Compare BNPL Providers at a Glance


 Researching BNPL companies like Klarna?
Your first step should be deciding whether to offer BNPL in your brand or go through a direct-to-consumer fintech.

Keep reading to learn more about each option.

Who is Klarna?

Klarna is a direct-to-consumer (D2C) BNPL provider that offers a range of payment solutions.

Who is Jifiti?

Jifiti is a global BNPL company that powers white-labeled Buy Now Pay Later for merchants and banks.

How does Klarna compare to Jifiti?

Affirm vs Klarna
Easy to integrate
(online, in-store)
Enables regulated financial entities to offer BNPL
Reporting dashboard
Multiple loan programs

What should I look for when researching Klarna alternatives?

As a direct-to-consumer (D2C) BNPL provider, Klarna forms a relationship with and markets directly to consumers. 


With Jifiti, the BNPL solution is white-labeled so the merchant retains full ownership of the customer relationship with no third-party distractions.

To increase sales and build customer loyalty with a BNPL program, you need a solution that comes with high approval rates. One way that BNPL providers maximize their approval rates is by supporting multiple lenders. 


Jifiti BNPL platform is multi-lender with the waterfall model, which means that if a customer is rejected by a tier-1 lender, then the application will be passed along to a quality secondary lender, thereby optimizing acceptance rates.

In addition to increasing customer conversions and sales, the multi-lender approach also helps to build the retail brand, as the customer will associate your brand with a positive financing experience.

When you use a direct-to-consumer BNPL fintech, you end up sharing your customers’ data with the BNPL provider. 

Customer data is critical to helping to understand consumer behavior and provide your customers with personalized customer experiences. 

In contrast to D2C BNPL companies, Jifiti gives the merchant full control over and insight into customer data through transparent data dashboards.

To be successful, a BNPL solution should support all retail channels, including online, in-store and via call center.


Not only should all channels be supported, but the BNPL solution should also seamlessly integrate across every channel, providing the shopper with a consistent and unified user experience.

Both Klarna’s and Jifiti’s BNPL solutions are available across multiple channels, including online and in-store.

Many BNPL providers only provide services in certain countries or regions. 


Jifiti provides global coverage, facilitating BNPL in every international market. The user experience is consistent across every market, giving customers a unified user experience worldwide.

Klarna also operates in multiple international markets. 

When you decide to implement a BNPL solution, the last thing you want is a complicated, time-consuming integration.


One of the most important considerations when choosing your BNPL provider should be how quick and easy the integration process is.

Jifiti offers the full spectrum of integration options, from no-integration virtual card technology to easy API integration that can have your BNPL program up and running in no time.

Jifiti facilitates BNPL programs for licensed banks and financial institutions, enabling regulated financial entities to offer Buy Now Pay Later programs that comply with credit regulations.

When it comes to BNPL services, you don’t want to just plug into a platform. A successful BNPL program is one that provides full customer support for everything from product and technical support to sales support. 


Jifiti provides an end-to-end BNPL solution, including dedicated technical, product, sales and customer support.

Klarna offers customer support to their merchant partners and consumers.

Jifiti enables merchants and banks to deploy the full spectrum of consumer financing options at any point of sale, including white-labeled split pay (pay in 4, pay in 3), installment loans, lines of credit and lease-to-own.

Klarna provides multiple BNPL options including pay-in-4, pay in 30 days and customer financing for up to 24 months.

Want the guide to assessing BNPL vendors?

The BNPL Provider Landscape: Affirm vs Jifiti

Functionality Comparison

Financing Comparison

Frequently Asked Questions

  • There are many different types of alternatives to Klarna.
  • Some are direct-to-consumer BNPL companies.
  • Others, such as Jifiti, are white-labeled BNPL facilitators like Jifiti.
  • Compare all major BNPL companies in our BNPL provider overview.

When you offer BNPL through Klarna, you can increase sales and AOV by enabling customers to split their payments into installments or pay over time.

On the downside, because the solution is not white-labeled, you risk sacrificing your customer ownership and data to a third-party provider.

Key Takeaways


BNPL isn't one-size-fits-all

  • Need to compare apples with apples
  • Klarna is a direct-to-consumer provider
  • Jifiti facilitates white-labeled BNPL


D2C vs White-Labeled

  • Do you want to own the data?
  • Do you want to promote your own brand?
  • Do you want to increase customer retention?


Most important criteria

  • Multi-lender network
  • Financing from regulated entities
  • Geographic coverage
  • Customer ownership

Jifiti is trusted by the world’s biggest banks and retail brands

Why Jifiti


Multi-lender network with waterfall means higher customer acceptance rates


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