Klarna vs Affirm
Updated · How we collect this data
Klarna runs on 116,156 live Shopify stores and Affirm on 1,673. Here is how the two buy now, pay later tools compare on real adoption: by country, overlap, and the stores using each.
Which is more popular on Shopify, Klarna or Affirm?
Klarna is more widely used on Shopify than Affirm: we detect Klarna on 116,156 active stores (15.5% of all stores we track) and Affirm on 1,673 (0.2%) as of October 2026, a ratio of about 69.4 to 1. 441 stores run both at the same time (26.4% of Affirm stores), which usually means a migration in progress or each tool covering a different job. Klarna leads in every one of the largest Shopify markets we compared. Their biggest markets are United Kingdom for Klarna (20,447 stores) and United States for Affirm (1,281). Well-known stores on Klarna without Affirm include Pilgrim India and Fashion Nova, while Teddy Baldassarre and REP Fitness chose Affirm. Adoption shows what stores actually choose; it does not measure price, features or support quality, so use it alongside a feature comparison.
At a glance
| Klarna | Affirm | |
|---|---|---|
| Active Shopify stores | 116,156 | 1,673 |
| Share of all stores | 15.5% | 0.2% |
| Largest market | United Kingdom (20,447) | United States (1,281) |
| Most often used with | Meta Pixel (64.6%) | Meta Pixel (76.4%) |
| Stores using both | 441 | |
Klarna vs Affirm by country
Share of each country's active Shopify stores using each tool, for the largest markets of either.
| Country | Klarna | Affirm | Leader |
|---|---|---|---|
| United Kingdom | 32.9% (20,447) | 0% (26) | Klarna |
| Germany | 61.4% (19,083) | 0% (14) | Klarna |
| France | 42.3% (10,931) | 0% (12) | Klarna |
| Italy | 60.1% (10,230) | 0.1% (13) | Klarna |
| Netherlands | 49.4% (9,437) | 0% (6) | Klarna |
| United States | 3% (6,844) | 0.6% (1,281) | Klarna |
| Spain | 50.1% (7,275) | 0% (5) | Klarna |
| Sweden | 65.5% (4,220) | 0% (2) | Klarna |
| Denmark | 41.4% (2,787) | 0% (1) | Klarna |
| Ireland | 56.4% (2,445) | 0% (0) | Klarna |
| Switzerland | 46% (2,384) | 0% (0) | Klarna |
| Hong Kong SAR China | 13.7% (2,062) | 0.2% (30) | Klarna |
Top Shopify stores using both Klarna and Affirm
| # | Store | Country | Theme | Products | Popularity |
|---|---|---|---|---|---|
| 1 | DTLR | United States · Hanover | Debut | 25,000+ | Top 50k |
| 2 | Aventon Bikes | United States · Brea | Fastor | 397 | Top 50k |
| 3 | Secretlab US | United States · Dover | Custom | 156 | Top 100k |
| 4 | VICI | United States · Walnut Creek | SDG Shopify Skeleton | 10,685 | Top 100k |
| 5 | Shoe Palace | United States · Morgan Hill | Modular | 11,632 | Top 100k |
| 6 | Jonathan Adler | United States · New York | Dawn | 1,467 | Top 500k |
| 7 | Oliver Peoples | United States · Mason | Dawn | 1,621 | Top 500k |
| 8 | DÔEN | United States · Vernon | Dawn | 802 | Top 500k |
| 9 | Sewing Parts Online | United States · Dickson | Stockmart | 25,000+ | Top 500k |
| 10 | BAGSMART | United States · Dover | Pipeline | 171 | Top 500k |
Top stores using Affirm but not Klarna
| # | Store | Country | Theme | Products | Popularity |
|---|---|---|---|---|---|
| 1 | Teddy Baldassarre | United States · North Olmsted | Teddy Baldassarre | 3,137 | Top 100k |
| 2 | REP Fitness | United States · Westminster | Hydrogen | 742 | Top 100k |
| 3 | Blackstone Products | United States · Logan | Alchemy | 441 | Top 100k |
| 4 | Wacoal | United States · Lyndhurst | WearLively 1.5 | 1,228 | Top 100k |
| 5 | TraxNYC | United States · New York | Minimus | 6,676 | Top 100k |
| 6 | First Lite | United States · Hailey | Focal | 353 | Top 100k |
| 7 | KATSEYE Official Store | United States · Philadelphia | Rhythm | 70 | Top 100k |
| 8 | Tonal | United States · San Francisco | TONAL | 45 | Top 500k |
| 9 | Casper Sleep | United States · New York | Impact | 219 | Top 500k |
| 10 | Interscope Records | United States · Philadelphia | Rhythm | 2,068 | Top 500k |
Klarna usage data · Affirm usage data · Klarna alternatives · Affirm alternatives
Counts are live Shopify stores where each tool is detected in homepage code. They measure adoption, not quality or price. Methodology.