Klarna vs PayPal
A side-by-side comparison of Klarna and PayPal — TrustScores, verified reviews and ratings across the App Store and Google Play, updated for 2026.
Head-to-head
| Metric | Klarna | PayPal |
|---|---|---|
| TrustScore (/5) | 3.2 | 2.9 |
| Total reviews | 3,581 | 3,180 |
| Proof-verified reviews | 2,672 | 2,651 |
| App Store rating | 3.7 | 1.6 |
| Google Play rating | 4.0 | 3.6 |
| Region | Europe | Global |
| Founded | 2005 | 1998 |
Klarna · rating distribution
5
1,106 · 31%
4
526 · 15%
3
355 · 10%
2
453 · 13%
1
1,141 · 32%
PayPal · rating distribution
5
566 · 18%
4
780 · 25%
3
737 · 23%
2
466 · 15%
1
631 · 20%
The verdict
Klarna edges ahead with a TrustScore of 3.2/5 versus 2.9/5 for PayPal — but the right choice depends on the features and fees that matter to you. Read the verified reviews for both before deciding.
Explore more e-money institutions or see alternatives to Klarna and alternatives to PayPal.