Klarna Alternative

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

Enjoy 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.

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
  • Google Pay
  • Apple Pay
  • PayPal
  • Cofidis
  • Recurring payments
  • PCI DSS Level 1
  • Free and multilingual onboarding and support
  • Integration with popular e-commerce platforms (Shopify, Wix, WooCommerce...)
  • Multilingual dashboard
  • Real-time control panel with advanced analytics
  • Multi-user capabilities with different access levels (admin or read-only)
  • All historical transaction data available (not only 12 months)
  • Pay By Link (send a payment link via email or SMS)
  • Customize the appearance of the payment screen (logo, brand colors...)
  • Payment frame in your custom domain (the user always sees mysite.com)
  • On-site payments (no redirects), including Dynamic 3DS to improve conversion rates
  • Real time credit card info formatting
  • Responsive design to adapt modules to the customer's screen
  • Customizable payment screen 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, and invoices
  • Smart routing engine sends payments sent to multiple acquirers to approve more payments
  • 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
  • Installment payments
  • Dynamic billing — as you sell more, your transaction fees decrease
MONEI
  • 3D Secure transactions
  • 1-day payment settlement
  • User-friendly APIs
  • Mobile payments
  • Hosted service
  • Google Pay
  • Apple Pay
  • PayPal
  • Cofidis
  • Recurring payments
  • PCI DSS Level 1
  • Free and multilingual onboarding and support
  • Integration with popular e-commerce platforms (Shopify, Wix, WooCommerce...)
  • Multilingual dashboard
  • Real-time control panel with advanced analytics
  • Multi-user capabilities with different access levels (admin or read-only)
  • All historical transaction data available (not only 12 months)
  • Pay By Link (send a payment link via email or SMS)
  • Customize the appearance of the payment screen (logo, brand colors...)
  • Payment frame in your custom domain (the user always sees mysite.com)
  • On-site payments (no redirects), including Dynamic 3DS to improve conversion rates
  • Real time credit card info formatting
  • Responsive design to adapt modules to the customer's screen
  • Customizable payment screen 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, and invoices
  • Smart routing engine sends payments sent to multiple acquirers to approve more payments
  • 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
  • Installment payments
  • Dynamic billing — as you sell more, your transaction fees decrease
Klarna
  • 3D Secure transactions
  • 1-day payment settlement
  • User-friendly APIs
  • Mobile payments
  • Hosted service
  • Google Pay
  • Apple Pay
  • PayPal
  • Cofidis
  • Recurring payments
  • PCI DSS Level 1
  • Free and multilingual onboarding and support
  • Integration with popular e-commerce platforms (Shopify, Wix, WooCommerce...)
  • Multilingual dashboard
  • Real-time control panel with advanced analytics
  • Multi-user capabilities with different access levels (admin or read-only)
  • All historical transaction data available (not only 12 months)
  • Pay By Link (send a payment link via email or SMS)
  • Customize the appearance of the payment screen (logo, brand colors...)
  • Payment frame in your custom domain (the user always sees mysite.com)
  • On-site payments (no redirects), including Dynamic 3DS to improve conversion rates
  • Real time credit card info formatting
  • Responsive design to adapt modules to the customer's screen
  • Customizable payment screen 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, and invoices
  • Smart routing engine sends payments sent to multiple acquirers to approve more payments
  • 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
  • Installment payments
  • Dynamic billing — as you sell more, your transaction fees decrease