Every category where a model named Klarna for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant	Since September 2026
B2B BNPL and net terms	Receivables and billing	0%	90 of 90	75%	12	criticized challenger

Movement

This is the first edition on this tier, so no move can be computed for Klarna yet. From the next edition this section shows, per buyer segment and per category, whether its share moved by more than the measured noise floor.

By model

How each model treated Klarna across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.

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Model	Alternative	Mention	Negative	Labels
Claude Haiku 4.5	0	0	1	1
GPT-5.4 mini	0	0	0	0
Gemini 3.5 Flash	0	0	0	0
Perplexity Sonar	0	0	2	2
Grok 4.1 Fast	0	0	1	1
Mistral Small	0	0	1	1
DeepSeek V4 Flash	0	0	1	1
Llama 4 Maverick	0	0	0	0
Qwen 3.7 Flash	0	1	0	1
Kimi K2	0	1	1	2
GLM 4.7 FlashX	0	0	1	1
MiniMax M2.5	1	0	0	1
GPT-6 Luna	0	0	0	0
Muse Glimmer 30B	0	0	1	1

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct3 labels1

Paraphrase0 labelsNone

Comparative3 labelsNone

Budget-constrained13 labelsNone

Scale-constrained2 labelsNone

Negative7 labelsNone

First choiceAlternativeMentionNegative28 labels in all, every segment counted; 1 of the 1 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“Klarna (For Lower Transaction Amounts)” MiniMax M2.5 · B2B BNPL and terms · budget prompt · alternative

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Many mainstream BNPL players (e.g., Affirm, Klarna, Afterpay, Sezzle, Zip) are consumer-focused and may not be suitable for B2B transactions.” Mistral Small · B2B BNPL and terms · negative prompt · hard negative

“Avoid consumer-focused BNPL providers (Klarna, Affirm, Sezzle)” DeepSeek V4 Flash · B2B BNPL and terms · budget prompt · hard negative

“Avoid: Traditional consumer BNPLs (Klarna, Affirm, Afterpay)” Kimi K2 · B2B BNPL and terms · budget prompt · hard negative

“Avoid consumer-leaning BNPL like Klarna/Affirm (4-6%+ fees)” Grok 4.1 Fast · B2B BNPL and terms · budget prompt · hard negative

Named alongside

The products named in the same answers as Klarna, over the 28 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Klarna was named but was not.

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ProductSame answerTook the first choice insteadHead to head

Affirm20 of 281Not among the top eight

Resolve Pay16 of 286Not among the top eight

Credit Key10 of 286Not among the top eight

Afterpay10 of 280Not among the top eight

Billie8 of 281Not among the top eight

Balance7 of 281Not among the top eight

Zip6 of 281Not among the top eight

Slope5 of 282Not among the top eight

Mondu5 of 280Not among the top eight

Sezzle5 of 280Not among the top eight

A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Klarna. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 26 of the 28 answers that named Klarna and are not a share of its labels.

Domains cited

resolvepay.com22

solidgate.com19

whop.com15

techrepublic.com14

finder.com13

fitsmallbusiness.com13

shopify.com12

stripe.com9

cnbc.com7

fintechspecs.com7

No domain is on file for Klarna, so its own site is not marked.

Pages cited

solidgate.com/blog/buy-now-pay-later-bnpl-merchants-guide19

whop.com/blog/best-bnpl-providers15

resolvepay.com/blog/best-bnpl-b2b14

techrepublic.com/article/best-bnpl-companies14

finder.com/business-loans/best-b2b-bnpl-apps13

fitsmallbusiness.com/best-buy-now-pay-later-apps13

shopify.com/blog/bnpl-companies11

cnbc.com/select/best-buy-now-pay-later-apps7

Pages are listed as the models cited them.

Search and answers

Where Klarna stands in Google search beside where it stands in the models' answers.

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In search

Google, US estimates

Searches for its name, Google: 823,000 a month (“klarna”)
AI search demand for its name, est.: 21,355 a month
Its own site: No site of its own on file, so no site figures

In answers

This edition

Share of first choices

rank 90 of 90 in B2B BNPL and terms

Segment leader

56%

Resolve Pay

First choices: 1 across its categories
Named in: 28 answers
Its own site cited: No site on file to match

Search figures are US estimates from DataForSEO, read October 5, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.

Follow Klarna

An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.

Already following? Everything you follow, with a stop for each.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Klarna's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Klarna, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

What a new claim receivesHide what a new claim receives

A new claim receives the current edition's vendor brief for Klarna by email, built from the raw record of the edition. It shows:

where Klarna is named, by buyer and by framing, and which cells hold its first choices;
the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
its vocabulary against the segment leader's, and the pages the models cited;
who was chosen in the answers that did not name Klarna, and every reason the record gives;
a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
one page of published figures cleared to show a buyer.