Klarna vs Affirm: Which BNPL Lifts Your AOV More
Buy-now-pay-later can lift average order value 30-45% on premium SKUs — but Klarna and Affirm target different price points and customer bases. Picking the wrong one, or running neither at checkout, is money left on the table.
Different Price Points, Different Customers.
| Factor | Klarna | Affirm |
|---|---|---|
| Typical price point | Mid-range, fashion/beauty-heavy | Higher-ticket (furniture, electronics, fitness) |
| Pay-in-4 (short-term, no interest) | Core product | Available, less emphasized |
| Longer financing (6-36 months) | Limited | Core product for big-ticket items |
| Approval rate | Generally higher for smaller baskets | Stricter for larger financed amounts |
Match the Provider to the Basket.
Fashion, beauty, mid-ticket D2C
Baskets typically under $300, a younger demographic, and a checkout that benefits from a widely-recognized "pay in 4" badge.
Furniture, electronics, fitness, higher-ticket
Baskets regularly above $500, where a longer monthly-payment plan is the deciding factor in whether the sale happens at all.
Isn't Unusual.
Many mixed-catalogue Shopify stores run Klarna for smaller items and Affirm for the higher-ticket line, letting Shopify's checkout surface the right option per cart value automatically. The setup itself is straightforward — the harder part is placement: BNPL messaging works best on the PDP price line and again at checkout, not buried in a footer link.
Common Questions
Can I run both Klarna and Affirm on the same Shopify store?
Does BNPL actually increase conversion, or just shift payment timing?
What does setup involve?
Get Your Checkout Reviewed.
We'll look at your catalogue and price points and tell you honestly which BNPL provider — or combination — actually fits, then set it up.
