Five BNPL providers ship against Magento 2.4.4 — 2.4.9 in 2026: Klarna, Afterpay (Cash App Pay-in-4 in the US since 2025), Affirm, Sezzle, and PayPal Pay Later. Their region coverage, merchant fees, AOV sweet spots, and Hyvä-compatibility maturity have diverged sharply. This post lays out the per-region availability matrix, real fee ranges from each provider's merchant docs, Magento Marketplace extension maturity, and the decision tree we run on every BNPL engagement.
Most extension comparison posts age out in six months. This is an annual maintenance audit of the three biggest payment extensions for Magento — PayPal Commerce Platform, Adyen Magento Plugin, and Klarna Payments — measured across five hard axes: GitHub commit velocity in the last 90 days, Magento Marketplace average rating, open-to-closed issue ratio, real support response time, and PHP 8.4 + Magento 2.4.9 compatibility status. Each extension gets a maintainability score and a recommendation by store size segment. Updated quarterly.
Kishan Savaliya11 min read
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