Klarna for Business lets merchants offer Klarna consumer BNPL options at checkout. RMO BizBNPL is installment financing for businesses buying equipment and supplies. Here’s how they compare.
Different roles in the BNPL ecosystem — Klarna for Business serves merchants; RMO BizBNPL serves business buyers.
Klarna for Business and RMO BizBNPL solve different problems. Most businesses use them independently for different sides of transactions.
RMO BizBNPL vs. Klarna for Business on role, integration, and cost.
| Feature | RMO Business Buy Now Pay Later | Klarna for Business |
|---|---|---|
| Role | Buyer financing | Merchant enablement |
| Who pays | Business buyer | Merchant processing fee; consumer pays Klarna |
| Use case | Equipment, supplies, business purchases | Consumer checkout conversion + AOV |
| Integration | RMO membership + partner merchant | Klarna checkout at merchant |
| APR for buyer | Member-rate APR | Varies by Klarna plan |
| Merchant fee | N/A (RMO BizBNPL is buyer-side) | Per-transaction percentage fee |
| Available merchant categories | Participating RMO partners | Wide retail merchant base globally |
| Bank-issued | Yes — RMO Bank | Klarna Bank AB |
| Bundled with business banking | Yes — via RMO membership | Standalone merchant integration |
| Best for | Buying equipment on installments | Merchants wanting consumer-BNPL checkout |
These are different products. Compare based on which side of the transaction you’re on.
Klarna for Business is the right choice when you’re a merchant offering BNPL at consumer checkout. RMO BizBNPL is the right choice when your business is buying on installments.
Use BizBNPL at participating RMO business partner merchants or for equipment quotes.
Pay over 3-24 months at member-rate APR with a transparent schedule.
Installments auto-debit from RMO Business Checking on schedule.
Yes — Klarna for Business on the sales side, RMO BizBNPL on the buying side.
RMO Merchant Services supports various payment methods. For consumer-BNPL acceptance specifically, Klarna for Business and Affirm for Business are category specialists.
Merchants pay a per-transaction fee. Rate varies by Klarna plan, merchant category, and volume.
Businesses buying equipment, supplies, or other purchases at participating RMO partner merchants. Best for SMBs wanting transparent installment financing at member-rate APR.
Standard BizBNPL is designed for goods purchases with discrete dollar amounts. Ongoing subscriptions are typically better handled via card or LOC.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Member-rate installment financing for equipment and business purchases at participating partner merchants.
