When Stocard shut down, its loyalty card feature moved into the Klarna app. That works if you already use Klarna, but Klarna is a full payments and shopping app, and many people just want their loyalty cards without signing up for a financial service. NeatPass takes a lighter path by putting each card into Apple Wallet. Here is an honest comparison of the two.
Both can hold your loyalty cards. The difference is what else comes attached, where the cards live, and how much of your data leaves your phone.
Two very different apps
Klarna is a broad app built around buy now pay later, payments, and shopping, with loyalty cards as one feature among many. Its loyalty catalogue supports thousands of programs and works on both iPhone and Android. NeatPass does one thing: it scans a card and adds it to Apple Wallet.
What the app is
Klarna is a payments, BNPL, and shopping app that also stores loyalty cards. NeatPass is a focused tool for adding cards to Apple Wallet.
Where cards live
Klarna keeps cards inside the Klarna app. NeatPass puts them in Apple Wallet, reachable from the lock screen with no app to open.
Platform
Klarna runs on iPhone and Android. NeatPass is iPhone only and leans entirely on the built-in Apple Wallet.
Accounts and privacy
Using Klarna's loyalty feature means being a Klarna user, with the onboarding a payments app requires. That is reasonable for a financial service, but it is more than some people want for a stack of store cards. Your card list also syncs to Klarna's servers so it follows you across devices.
NeatPass needs no account at all. Scanning runs on your device, nothing about your cards is uploaded to a cloud, and adding a pass never asks you to sign in. A signing server receives only a cryptographic hash so the pass can be added to Apple Wallet, which is why the accurate phrasing is no accounts and no cloud uploads rather than no servers. The privacy FAQ spells out exactly what does and does not leave your phone.
Keep your loyalty cards out of a payments app
NeatPass makes it easy to convert any ticket, pass, or loyalty card to Apple Wallet.
Where Klarna has the edge
A fair comparison names Klarna's real strengths. If these matter to you, Klarna may be the better fit.
- Runs on both iPhone and Android
- Large catalogue of preset loyalty programs
- Cards sync across your devices
- Built-in payments, offers, and shopping
- Cards live in native Apple Wallet
- No account and no cloud uploads
- On-device scanning that works offline
- One-time price, no payments account attached
Cards you can actually reach
Pricing compared
Klarna is free, funded by its payments and shopping business. NeatPass keeps a simple model with no ads and no financial strings.
- NeatPass free tier: every feature, plus one pass added to Apple Wallet.
- NeatPass unlimited: a one-time 4.99 EUR purchase for unlimited passes, no subscription.
- Klarna app: free, but the loyalty feature lives inside a payments platform.
How to move your cards to Apple Wallet
You do not export anything from Klarna. NeatPass rebuilds each card from the plastic version or a photo of the barcode. Open the card, scan or import it, review the pass, and add it to Apple Wallet. NeatPass reads 18 barcode formats and gives you six ways to import a card, then hands the finished pass to Apple Wallet. If you have cards saved in Klarna today, the Klarna to Apple Wallet guide walks through moving them across.
Common questions
Add your loyalty cards to Apple Wallet
DownloadLoyalty cards without the payments app
Klarna is a capable app, and its loyalty catalogue is genuinely useful if you already live in that ecosystem. NeatPass simply answers a different need: loyalty cards in the wallet you already use, on an iPhone, with no account and nothing uploaded. Pick the one that matches how much app you want behind your store cards.