Klarna vs Clearpay for Shopify
Klarna and Clearpay both let UK customers split payments, which can raise conversion and average order value. Klarna offers more options, such as paying in three or paying later, while Clearpay focuses on paying in four instalments. Both charge merchants more than standard card payments, so check the cost against your margins.
By Abdullah Ashraf, Shopify expert · Last updated: October 2026
Side-by-side comparison
| Klarna | Clearpay | |
|---|---|---|
| Customer options | Pay in 3, pay later and financing | Pay in 4 instalments |
| Shopper awareness in the UK | Very high | High |
| Merchant fees | Higher than cards | Higher than cards |
| Shopify setup | Via Shopify Payments or app | Via app or payment provider |
Costs in the UK
Buy now, pay later providers charge merchants a percentage fee per order, usually higher than card fees. Check each provider's current merchant rates, and use the profit margin calculator to see the impact.
Prices change. Check each provider's current UK pricing page before deciding.
Which should you choose?
Choose Klarna if…
- You want the widest range of payment options
- Your customers already use Klarna
- You sell higher-value products
Choose Clearpay if…
- Your audience is younger and fashion-focused
- Simple instalments are enough
- Clearpay's fees suit your margins
Frequently asked questions
Can I offer both?
Yes, though most stores choose one to keep checkout simple.
Does BNPL increase sales?
It often increases conversion and order value, especially for higher-priced items.
How do I set up BNPL?
Keep exploring
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