European alternative to Klarna:
NexEuro, free SEPA Instant.
The alternative to Klarna: pay right away, with no credit and no hidden fees.
Why look for an alternative to Klarna?
Klarna is based on deferred or instalment payment, with a risk of debt and late fees. NexEuro offers the opposite: an immediate, final and free payment, with no consumer credit.
Klarna vs NexEuro
A point-by-point comparison to help you choose.
| Criterion | Klarna | NexEuro |
|---|---|---|
| Model | Deferred or instalment payment, regulated as credit. | Immediate payment from your bank balance. |
| Fees | Possible late fees for the buyer, high commission for the merchant. | €0 between users. |
| Risk | Debt and impact on creditworthiness. | Impossible to spend more than your balance. |
| Merchant settlement | Deferred payout per the contract. | Instant credit. |
Updated on
4 reasons to switch
What you concretely gain by moving to NexEuro.
No debt taken on for an everyday purchase.
No merchant commission on local payments.
Funds available immediately for the seller.
A clearer payment experience for the buyer.
Frequently asked questions
Everything you need to know before switching.
Does NexEuro offer instalment payments?
Is it suitable for e-commerce?
What happens in a dispute?
Ready to try the European alternative?
Download NexEuro and send your first instant payment in under 60 seconds.
Go further with NexEuro
Discover the solutions, countries and use cases that Klarna doesn't cover — or covers less well — than NexEuro.
European payment solutions
SEPA Instant, acceptance, group pots → Pillar · Countries36 SEPA countries covered
France, Germany, Spain, Italy → Pillar · Use casesConcrete use cases
Restaurant, freelance, e-commerce →See also: acceptance without a terminal · freelance invoicing · e-commerce payments without Stripe · instant payment in France · free SEPA Instant transfer.
Other European alternatives to Klarna and competitors
Compare NexEuro with other players: European alternatives, neobanks, wallets and payment processors.