Klarna for WooCommerce vs Saga Payments for WooCommerce

Grow your business for increased sales and enhanced shopping experiences at no extra costs. Millions shop and pay with Klarna Klarna is the preferred payment option for both brands and customers, used by millions of shoppers every month, online and in-store. | 100M+ Shoppers | 2.9M+ Daily Transactions | 720K+ Retailers Globally | More ways to pay, more purchases Grow your business with our flexible payment options and smart shopping solutions. Unlock higher purchase power for your customers by giving them the full flexibility of how and when they want to pay. Brands using Klarna see: | 40% increase in average order value | 20% increase in conversion | 45% higher purchase frequency | You’ll always be paid in full and upfront, while your customers pay at a later date. Klarna supports high value orders, and everyday purchases. Payment options include: Feature Description Pay Now, with direct payments Pay Now accepts all direct payments for a fast, convenient checkout. Buy now, Pay Later Pay Later is a deferred payment that will give shoppers an extra 14 or 30 days before they buy. Pay In N Pay in N lets you split your payment in several payments, spread over a relatively short amount of time, typically less than 60 days, and does not carry interest. Two most common variations are Pay in 4 and Pay in 3. Financing Financing offers long-term, monthly payments to make larger purchases possible for your customers. Available in 6, 12, 18, and 24 month terms. Go to Klarna to get details about all payment methods and their availability by market. How to Get Started Sign up for Klarna. Install the plugin on your site. Smart Solutions to Maximize Sales On-site messaging: Personalized messaging throughout the shopper journey for higher conversion rates. Express checkout: A faster checkout process to lower the threshold for purchase completion. Standalone payment methods complementing your existing checkout with a Klarna hosted widget For more details, visit the Klarna Payments page.

Saga Payments for WooCommerce is a full-featured payment gateway built for Nordic merchants. Accept secure payments through multiple payment methods with enterprise-grade features: Payment Methods Card Payments – Visa, Mastercard, American Express, Discover Vipps – Norway’s most popular mobile payment app Klarna – Buy now, pay later Apple Pay – Fast checkout for Apple users Google Pay – Fast checkout for Android users Swish – Sweden’s most popular mobile payment app MobilePay – Denmark and Finland’s popular mobile payment app Features Easy Setup – Just enter your Merchant ID, Terminal ID, and Public Key Saved Payment Methods – Customers can save cards for faster checkout WooCommerce Subscriptions – Full support for recurring payments with automatic renewals WooCommerce Pre-Orders – Charge customers when pre-ordered products become available Authorize & Capture – Authorize payments and capture later, or capture immediately Auto-Capture – Automatically capture when order status changes to Processing/Completed Auto-Void – Automatically void authorizations when orders are cancelled Express Checkout – Apple Pay/Google Pay buttons on product pages and cart WooCommerce Blocks – Full support for Blocks Checkout including saved cards HPOS Compatible – Full support for High-Performance Order Storage Refunds – Full and partial refunds directly from WooCommerce admin Professional Design – Clean, responsive payment widget Plugin Integrations WooCommerce Subscriptions – Automatic recurring payments WooCommerce Pre-Orders – Charge on release WooCommerce Blocks – Full Blocks checkout support WooCommerce HPOS – High-Performance Order Storage Saga Product Sync – Bidirectional product catalogue synchronisation Compatible with all major WordPress themes Product Sync (Saga) Automatic bidirectional synchronisation between your WooCommerce store and Saga: Saga is master – pull products, prices, images, VAT rates and stock from Saga into WooCommerce Push changes back – WooCommerce product edits are automatically pushed to Saga in real-time Inventory sync – relative stock deltas (STOCK_DOWN / STOCK_UP) on order completion, refund and cancellation Auto-retry – failed inventory adjustments are queued and retried every 5 minutes (up to 20 attempts) Full field mapping – prices (øre kroner), VAT rates (25 / 15 / 12 / 0 %), units, barcodes, cost price, images Admin panel – WooCommerce -> Saga Product Sync with connection test, manual sync, and status dashboard Configure via WooCommerce -> Saga Product Sync Requirements WordPress 5.8 or later WooCommerce 7.0 or later PHP 7.4 or later SSL certificate (HTTPS) Saga Payments merchant account External services This plugin relies on the following external services to process payments. A Saga Payments merchant account is required. Saga Payments API All payment operations (order creation, payment verification, refunds, captures, voids, and subscription management) are handled through the Saga Payments API proxy server. When a customer initiates a checkout, order data including amount, currency, line items, and customer billing/shipping information is sent to this service via server-side HTTP requests. Service URL: https://sagapay-api-v3.kristoffer-afc.workers.dev/api Provider: Saga Payments (Cloudflare Worker proxy to Surfboard Payments) Website: https://sagapay.no Terms of Service: https://www.sagapay.no/terms-of-service Privacy Policy: https://www.sagapay.no/personvernserklaering Saga Payments Merchant Dashboard and Documentation The plugin settings screen links store administrators to Saga Payments dashboard and documentation pages for API key, webhook, and product catalogue setup. These links open only when an administrator clicks them. No customer or payment data is sent automatically by these documentation links. Dashboard URL: https://dashboard.sagapay.no API key documentation URL: https://docs.sagapay.no/guides/getting-started/opprett-api-nokler Webhook documentation URL: https://docs.sagapay.no/guides/getting-started/webhooks Product catalogue documentation URL: https://docs.sagapay.no/api-reference/api-reference/product-catalogue/ Provider: Saga Payments Terms of Service: https://www.sagapay.no/terms-of-service Privacy Policy: https://www.sagapay.no/personvernserklaering Saga OTP Verification Service When a guest customer pays with a previously saved card, the plugin sends a one-time password (OTP) verification email via a Cloudflare Worker. Only the customer’s email address, a generated OTP code, the store name, and the cart total are sent in the request. No card data is transmitted. The OTP email is delivered via the worker using the Resend email service. Service URL: https://saga-otp-worker.kristoffer-afc.workers.dev Provider: Saga Payments (Cloudflare Worker) Website: https://sagapay.no Terms of Service: https://www.sagapay.no/terms-of-service Privacy Policy: https://www.sagapay.no/personvernserklaering Saga Regnskap (Accounting) Integration When the store owner completes merchant OTP verification (or clicks the “Koble til regnskap” button in the gateway settings), the plugin sends a one-time registration request to the Saga Regnskap accounting service so the merchant’s bookkeeping can be reconciled against the store. Only store-level facts are sent: the Surfboard merchant ID, the store URL, the activation reference, plugin/WordPress/WooCommerce versions, currency, tax display setting and which gift card system is installed. No customer data, order contents or payment credentials are transmitted. After registration, the accounting service reads order and refund TOTALS (amounts, tax rates, Saga payment references — never names, emails, phones, addresses or IPs) from a read-only, token-authenticated REST endpoint served by this plugin at /wp-json/saga-accounting/v1/. This applies only to merchants with a Saga Regnskap agreement; stores without an agreement store nothing. Service URL: https://regnskap.sagapay.no (fallback: https://saga-regnskap-api.kristoffer-afc.workers.dev) Provider: Saga Payments (Cloudflare Worker) Website: https://sagapay.no Terms of Service: https://www.sagapay.no/terms-of-service Privacy Policy: https://www.sagapay.no/personvernserklaering Surfboard Online SDK The payment form displayed on your checkout page is rendered by the Surfboard Online SDK. This JavaScript library is loaded from an external server into the customer’s browser and handles the secure payment UI including card input fields, Vipps/MobilePay popups, Klarna widget, and Apple Pay / Google Pay buttons. Card data is entered directly into Surfboard-hosted iframes and never touches your server. SDK URL: https://thorium.surfgw.com/OnlineSDK.js Provider: Surfboard Payments Website: https://www.surfboardpayments.com Terms of Service: https://www.surfboardpayments.com/terms-and-conditions Privacy Policy: https://www.surfboardpayments.com/privacy-policy Surfboard Hosted Payment Page When the plugin is configured in redirect mode, or for certain subscription flows, the customer’s browser is redirected to a hosted payment page operated by Surfboard Payments. The order amount, currency, and return URLs are passed via the redirect. All payment data is entered on the hosted page. Service URL: https://pay.withsurfboard.com Base URL used by redirects: https://pay.withsurfboard.com/ Provider: Surfboard Payments Terms of Service: https://www.surfboardpayments.com/terms-and-conditions Privacy Policy: https://www.surfboardpayments.com/privacy-policy Surfboard Vipps/MobilePay Intermediary For Vipps and MobilePay payment flows, the Surfboard SDK loads an intermediary page in an iframe to handle the mobile payment authorization. This is managed automatically by the Surfboard Online SDK and serves as the bridge between your store and the Vipps/MobilePay apps. Service URL: https://vipps.withsurfboard.com Provider: Surfboard Payments Terms of Service: https://www.surfboardpayments.com/terms-and-conditions Privacy Policy: https://www.surfboardpayments.com/privacy-policy Google Pay API When Google Pay is enabled as a payment method, the Google Pay JavaScript SDK is loaded in the customer’s browser to render the Google Pay button and handle the payment sheet. Payment token data is returned to your store and forwarded to the Saga Payments API for processing. SDK URL: https://pay.google.com/gp/p/js/pay.js Provider: Google Website: https://pay.google.com Terms of Service: https://payments.google.com/payments/apis-secure/get_legal_document?ldo=0&ldt=googlepaytos Privacy Policy: https://policies.google.com/privacy QR Code Generation For Swish payments, if the payment gateway does not return a pre-rendered QR code image, the plugin generates a QR code locally using the bundled qrcode-generator library (MIT license, by Kazuhiko Arase). No external service is called for QR code generation. Saga Checkout SDK (Diagnostics Only) The plugin diagnostics page displays the configured SDK endpoint for admin troubleshooting purposes. The actual payment SDK loaded during checkout is the Surfboard Online SDK documented above. Provider: Saga Payments Website: https://sagapay.no Terms of Service: https://www.sagapay.no/terms-of-service Privacy Policy: https://www.sagapay.no/personvernserklaering Saga Product Sync API If the optional product synchronization feature is enabled, the plugin sends product data (name, description, price, SKU, images, categories) from your WooCommerce catalog to the Saga Payments product API for catalogue management. This is an opt-in feature configured in the plugin settings. Service URL: https://api.sagapay.no Provider: Saga Payments Terms of Service: https://www.sagapay.no/terms-of-service Privacy Policy: https://www.sagapay.no/personvernserklaering Payment Method Logos Payment method logos (Visa, Mastercard, Amex, Vipps, Klarna, Apple Pay, Google Pay, Swish, MobilePay) are bundled locally within the plugin in SVG format. No external CDN is used for logo display. SVG files and inline SVG markup use the standard SVG namespace URI http://www.w3.org/2000/svg and xlink namespace URI http://www.w3.org/1999/xlink as static XML identifiers; these are not external network requests.