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Klarna vs Affirm on Shopify

Klarna vs Affirm on Shopify

BNPL Comparison · Shopify

Klarna vs Affirm: Which BNPL Lifts Your AOV More

Buy-now-pay-later can lift average order value 30-45% on premium SKUs โ€” 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.

Side-by-Side

Different Price Points, Different Customers.

FactorKlarnaAffirm
Typical price pointMid-range, fashion/beauty-heavyHigher-ticket (furniture, electronics, fitness)
Pay-in-4 (short-term, no interest)Core productAvailable, less emphasized
Longer financing (6-36 months)LimitedCore product for big-ticket items
Approval rateGenerally higher for smaller basketsStricter for larger financed amounts
Which One Fits Your Store

Match the Provider to the Basket.

CHOOSE KLARNA

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.

CHOOSE AFFIRM

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.

Running Both

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 โ€” the harder part is placement: BNPL messaging works best on the PDP price line and again at checkout, not buried in a footer link.

FAQ

Common Questions

Can I run both Klarna and Affirm on the same Shopify store?
Yes โ€” both integrate as Shopify Payments extensions, and many stores run both, letting customers pick at checkout. Show the right option's messaging on the product page too.
Does BNPL actually increase conversion, or just shift payment timing?
Both โ€” it converts price-sensitive shoppers who'd otherwise abandon, and it lifts AOV since a monthly payment feels smaller than the full price.
What does setup involve?
Enabling the provider in Shopify Payments settings, then placing BNPL messaging on the product page and cart โ€” placement is where the real lift comes from.
Checkout Review

Get Your Checkout Reviewed.

We'll look at your catalogue and price points and tell you honestly which BNPL provider โ€” or combination โ€” actually fits, then set it up.

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