Klarna vs Partialy ‑ Partial Payment CODfor Shopify (2026)
Klarna and Partialy ‑ Partial Payment COD both fall under the 'Payments' category on Shopify, but they cater to very different needs and operate with contrasting approaches. Klarna positions itself as a global BNPL solution aiming to boost conversions by offering customers flexible payment options like 'pay later' and financing, targeting merchants seeking to increase sales by broadening payment accessibility. Partialy, on the other hand, focuses on mitigating risks associated with Cash on Delivery (COD) and pre-orders by enabling partial upfront payments. The primary difference lies in their payment structures and risk management strategies. Klarna fully pays the merchant upfront, assuming the risk of customer repayment. Partialy empowers merchants to receive a deposit upfront, reducing the risk of Return To Origin (RTO) and providing more flexibility with pre-orders and advanced COD rules. The apps' target audiences also diverge considerably: Klarna is for merchants looking to boost overall sales volume through flexible payment plans, while Partialy is more suitable for merchants prioritizing risk mitigation in COD and pre-order scenarios. The drastically different ratings also suggest vastly different user experiences.
At a Glance
Klarna
2 reviews
Partialy ‑ Partial Payment COD
11 reviews
Detailed Overview
Klarna
Boost conversions with Klarna
Key Features
- Convert traffic, not just clicks
- Reach new shoppers: access 100M+ high-intent customers globally
- Easy to integrate: no disruption to existing systems during setup
Partialy ‑ Partial Payment COD
Collect partial payments at checkout; enable deposits, COD fee or form & advance COD options.
Key Features
- Accept partial payment or deposits (20–50 percent or fix upfront) at checkout
- Collect remaining balance via COD (cash on delivery) or online payment
- Advanced COD rules: by order amount, location, customer, product, discounts
- Set extra discount for prepaid orders & style button according to your theme
- Configurable shipping rates for COD, COD Fee, Prepaid & Partial payment orders
Feature Comparison
| Rating | 1/5 | 5/5 |
Rating Klarna1/5 Partialy ‑ Partial Payment COD5/5 | ||
| Reviews | 2 | 11 |
Reviews Klarna2 Partialy ‑ Partial Payment COD11 | ||
| Payment Strategy | BNPL (Buy Now Pay Later) | Partial Payment & Advanced COD |
Payment Strategy KlarnaBNPL (Buy Now Pay Later) Partialy ‑ Partial Payment CODPartial Payment & Advanced COD | ||
| Target Merchant | Merchants aiming to increase sales volume | Merchants focusing on COD risk reduction & pre-orders |
Target Merchant KlarnaMerchants aiming to increase sales volume Partialy ‑ Partial Payment CODMerchants focusing on COD risk reduction & pre-orders | ||
| Risk Management | Klarna assumes repayment risk | Merchant receives upfront deposit |
Risk Management KlarnaKlarna assumes repayment risk Partialy ‑ Partial Payment CODMerchant receives upfront deposit | ||
| Key Benefit | Access to 100M+ Klarna customers | Reduced RTO, customizable COD rules |
Key Benefit KlarnaAccess to 100M+ Klarna customers Partialy ‑ Partial Payment CODReduced RTO, customizable COD rules | ||
| Setup Difficulty (Inferred) | Implied Easy (seamless integration) | Potentially more complex (advanced COD rules) |
Setup Difficulty (Inferred) KlarnaImplied Easy (seamless integration) Partialy ‑ Partial Payment CODPotentially more complex (advanced COD rules) | ||
| Global Reach (Implied) | Global (mentioned 100M+ customers globally) | Global (simplifies pre-orders for global merchants) |
Global Reach (Implied) KlarnaGlobal (mentioned 100M+ customers globally) Partialy ‑ Partial Payment CODGlobal (simplifies pre-orders for global merchants) | ||
| Value Proposition | Boost conversions with flexible payment options | Improve sales & reduce RTO with partial payments & advanced COD |
Value Proposition KlarnaBoost conversions with flexible payment options Partialy ‑ Partial Payment CODImprove sales & reduce RTO with partial payments & advanced COD | ||
Our Verdict
Given its extremely low rating and lack of reviews, Klarna's Shopify app, as it currently exists in 2026 according to the data, is a risky choice. Unless significant improvements have been made and reflected in its rating and review count, it's difficult to recommend. Partialy ‑ Partial Payment COD, with its perfect rating and more substantial number of reviews, appears to be a much safer and more reliable option.
For merchants heavily reliant on COD or pre-orders, Partialy is the clear winner. Its ability to collect partial payments, configure advanced COD rules, and manage shipping rates provides valuable tools for risk mitigation and order management. If a merchant is simply looking to integrate a widely recognized BNPL option to generally increase sales conversions, and is willing to accept potential risks associated with poor user experience as indicated by Klarna's rating, then Klarna might be considered after thorough investigation and verifying improved performance.
Common Questions
Which app is better for reducing Return to Origin (RTO) rates?
Partialy ‑ Partial Payment COD is specifically designed to reduce RTO by enabling partial upfront payments, making customers more invested in the order and less likely to refuse delivery.
Does Klarna offer advanced COD customization options?
No, Klarna focuses on BNPL and financing options, not COD customization. Partialy ‑ Partial Payment COD is the app that offers advanced COD rules.
Which app has a better user rating and more positive reviews?
Partialy ‑ Partial Payment COD has a significantly better rating (5/5) and more reviews (11) compared to Klarna (1/5 with 2 reviews).
Which app provides a larger potential customer base?
Klarna claims access to 100M+ customers globally, suggesting a larger potential customer base for merchants using their BNPL options.
Which app is better suited for handling pre-orders?
Partialy ‑ Partial Payment COD simplifies pre-orders and allows merchants to collect deposits upfront, making it better suited for handling pre-orders compared to Klarna.
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