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Ease of use3Features3Value for money3Performance3Support3Privacy & security3

	Klarna	Apple Pay Best match for you
Your score	7.2	8.1
AppDuo score	7.2	8.2
Ease of use	8.0	8.8
Features	7.8	7.8
Value for money	6.8	9.0
Performance	7.2	7.8
Support	6.8	7.0
Privacy & security	6.5	8.5
Starts at	Free	Free
Free plan	Yes	Yes
Free trial	—	—
Web	Yes	No
iOS	Yes	Yes
Android	Yes	No
Windows	No	No
macOS	No	Yes
Linux	No	No
Works offline	No	No
Public API	No	No
Self-hostable	No	No
Open source	No	No
AI features	Yes	No
Real-time collaboration	No	No
End-to-end encryption	No	No
Templates	No	No
Integrations	Yes	Yes
Mobile app	Yes	Yes
Launched	2005	2014
Developer	Klarna	Apple Inc.
Best for	Frequent online shoppers in the US, Europe and other supported markets who want to split orders People who want payments, cashback and a card in one app	iPhone and Apple Watch owners who want to pay with a bank card in stores, in apps and online without taking the card out People who prioritise payment security and want to authorise with Face ID or Touch ID

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