Klarna Alternative

Looking for a more affordable payment alternative to Klarna? Choose a payment gateway like MONEI that will grow with your business.

Relish in MONEI’s evolutive pricing system: sell more and watch your variable fee decrease. Lower fixed fees plus this tapering rate provide you with the best payment gateway rates on the market.

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Klarna Alternative

The MONEI engineering team presented our solution for digital and e-commerce payment processing at Amazon’s AWS Startup Architecture of the Year Program (Iberia region) — and we won! Our architecture is built with a focus on innovation, reliability, and user satisfaction.

Offer your customers the option to choose from various payment methods via a 3D Secure payment gateway.

There are several advantages — for all types of online merchants — to choosing MONEI over Klarna as your payment gateway alternative.

  • Become a verified merchant, and enjoy our revolutionary 1-day payment settlement system
  • Get lower transaction fees, so you have more money to reinvest and grow your business (Klarna’s fees can reach up to 4%, while ours are less than 1% for European Credit Cards)
  • Protect yourself and your customers with 3D Secure Payments

Use our API to seamlessly integrate MONEI with your e-commerce platform — you’ll be ready to sell in minutes

You can also customize your store’s checkout appearance and use your custom domain. Customers will only see your branding during the checkout process, not ours.

  • 3D secure transactions
  • 1-day payment settlement
  • User friendly APIs
  • Mobile payments
  • Hosted service
  • Recurring payments
  • PCI DSS Level 1
  • Free and Multilingual Onboarding and support
  • Main ecommerce platforms integration (Shopify, WooCommerce...)
  • Multilingual Dashboard
  • Real time control panel with advanced analytics
  • Multi-user with different access levels (admin or read-only)
  • All historical transactions available (not only 12 months)
  • Pay by link (invoice sent by email)
  • Configuration and customization of the payment screen (logo, colors...)
  • Payment frame included in your domain (the user always sees mysite.com)
  • Insite payments (inside the online store), including 3Ds v2 challenge to greatly improve conversion
  • Real time credit card info formatting
  • Responsive design to adapt modules to the customer's screen
  • Payment screen totally customizable to offer a 100% integrated experience
  • REST API connection for all kinds of integrations
  • Payment methods tokenization
  • Webhooks to visualize all your clients/payments info from multiple sources (ERP, CRM...)
  • GraphQL API for data consumption
  • SMS and email notifications to clients for receipts, orders & invoices
  • Routing engine
  • Full Direct debit SEPA integration
  • Full White Label Solution for Financial Institutions and Banks
  • Combined Acquiring and Payment Gateway Solution
  • Transaction processing with new local payment methods like Bizum
  • Installments
  • Dynamic pricing
MONEI
  • 3D secure transactions
  • 1-day payment settlement
  • User friendly APIs
  • Mobile payments
  • Hosted service
  • Recurring payments
  • PCI DSS Level 1
  • Free and Multilingual Onboarding and support
  • Main ecommerce platforms integration (Shopify, WooCommerce...)
  • Multilingual Dashboard
  • Real time control panel with advanced analytics
  • Multi-user with different access levels (admin or read-only)
  • All historical transactions available (not only 12 months)
  • Pay by link (invoice sent by email)
  • Configuration and customization of the payment screen (logo, colors...)
  • Payment frame included in your domain (the user always sees mysite.com)
  • Insite payments (inside the online store), including 3Ds v2 challenge to greatly improve conversion
  • Real time credit card info formatting
  • Responsive design to adapt modules to the customer's screen
  • Payment screen totally customizable to offer a 100% integrated experience
  • REST API connection for all kinds of integrations
  • Payment methods tokenization
  • Webhooks to visualize all your clients/payments info from multiple sources (ERP, CRM...)
  • GraphQL API for data consumption
  • SMS and email notifications to clients for receipts, orders & invoices
  • Routing engine
  • Full Direct debit SEPA integration
  • Full White Label Solution for Financial Institutions and Banks
  • Combined Acquiring and Payment Gateway Solution
  • Transaction processing with new local payment methods like Bizum
  • Installments
  • Dynamic pricing
Klarna
  • 3D secure transactions
  • 1-day payment settlement
  • User friendly APIs
  • Mobile payments
  • Hosted service
  • Recurring payments
  • PCI DSS Level 1
  • Free and Multilingual Onboarding and support
  • Main ecommerce platforms integration (Shopify, WooCommerce...)
  • Multilingual Dashboard
  • Real time control panel with advanced analytics
  • Multi-user with different access levels (admin or read-only)
  • All historical transactions available (not only 12 months)
  • Pay by link (invoice sent by email)
  • Configuration and customization of the payment screen (logo, colors...)
  • Payment frame included in your domain (the user always sees mysite.com)
  • Insite payments (inside the online store), including 3Ds v2 challenge to greatly improve conversion
  • Real time credit card info formatting
  • Responsive design to adapt modules to the customer's screen
  • Payment screen totally customizable to offer a 100% integrated experience
  • REST API connection for all kinds of integrations
  • Payment methods tokenization
  • Webhooks to visualize all your clients/payments info from multiple sources (ERP, CRM...)
  • GraphQL API for data consumption
  • SMS and email notifications to clients for receipts, orders & invoices
  • Routing engine
  • Full Direct debit SEPA integration
  • Full White Label Solution for Financial Institutions and Banks
  • Combined Acquiring and Payment Gateway Solution
  • Transaction processing with new local payment methods like Bizum
  • Installments
  • Dynamic pricing