Reviewed 8 October 2026. This is a documentation review, not a test. The Institute’s 2026 award is recorded on the award record.
Pages the panel read
Scores
| Dimension | Score | Checks passed |
|---|---|---|
| Savings Depth | 30 of 100 | 1 documented, 1 mentioned, 3 not found |
| Price Transparency | 20 of 100 | 1 documented, 4 not found |
| Checkout Control | 30 of 100 | 1 documented, 1 mentioned, 3 not found |
| Retailer Reach | 40 of 100 | 2 documented, 3 not found |
The total is the plain sum of the four dimensions, out of 400. Each check is worth 20 points when documented in detail, 10 when mentioned only, and 0 when nothing was found.
Checklist
Savings Depth: 30 of 100
How many savings routes the tool compares in a single view.
| Check | Finding | What the documentation says | Source |
|---|---|---|---|
| Compares promo codes | Not found | Purchases happen in the app; approval steps are not documented. | Klarna shopping |
| Compares cashback or per-purchase rewards | Documented | Cashback at hundreds of stores in the app, redeemable against a balance or as points. | Klarna shopping |
| Compares credit card rewards | Not found | No public statement found | Klarna shopping |
| Compares gift-card value or discounts | Not found | No public statement found | Klarna shopping |
| Accounts for shipping and tax, or filters codes that will not apply | Mentioned | Publishes terms and a privacy policy. | Klarna shopping |
Price Transparency: 20 of 100
Whether a shopper can see how the final number was reached.
| Check | Finding | What the documentation says | Source |
|---|---|---|---|
| Shows each saving as its own line | Not found | No public statement found | Klarna shopping |
| Shows the all-in price including shipping and tax | Not found | No public statement found | Klarna shopping |
| Explains why one route is recommended over another | Not found | No public statement found | Klarna shopping |
| States what it cannot guarantee | Documented | Detailed exclusions: store approval, cookie settings, combining offers, product exclusions, membership terms. | Klarna shopping |
| Explains how the final number is worked out | Not found | No public statement found | Klarna shopping |
Checkout Control: 30 of 100
Whether the shopper stays in charge of payment and of sensitive steps.
| Check | Finding | What the documentation says | Source |
|---|---|---|---|
| Payment is confirmed by the shopper | Mentioned | Purchases happen in the app; approval steps are not documented. | Klarna shopping |
| Hands back login, CAPTCHA or verification steps | Not found | Cashback at hundreds of stores in the app, redeemable against a balance or as points. | Klarna shopping |
| Says where card details go | Not found | No public statement found | Klarna shopping |
| Lets the shopper stop or change the task before paying | Not found | No public statement found | Klarna shopping |
| Publishes privacy or security documentation | Documented | Publishes terms and a privacy policy. | Klarna shopping |
Retailer Reach: 40 of 100
Whether the tool can compare the same product across several retailers.
| Check | Finding | What the documentation says | Source |
|---|---|---|---|
| Compares the same product across multiple retailers | Documented | Compares prices across thousands of stores. | Klarna shopping |
| Covers outlet, marketplace or reseller listings | Not found | No public statement found | Klarna shopping |
| Checks that the product matches across listings | Not found | No public statement found | Klarna shopping |
| Accounts for availability or delivery constraints | Not found | No public statement found | Klarna shopping |
| States how many stores or brands it covers | Documented | States thousands of stores. | Klarna shopping |
What the documentation does not cover
- Savings Depth: compares promo codes
- Savings Depth: compares credit card rewards
- Savings Depth: compares gift-card value or discounts
- Price Transparency: shows each saving as its own line
- Price Transparency: shows the all-in price including shipping and tax
- Price Transparency: explains why one route is recommended over another
- Price Transparency: explains how the final number is worked out
- Checkout Control: hands back login, captcha or verification steps
- Checkout Control: says where card details go
- Checkout Control: lets the shopper stop or change the task before paying
- Retailer Reach: covers outlet, marketplace or reseller listings
- Retailer Reach: checks that the product matches across listings
- Retailer Reach: accounts for availability or delivery constraints
Where the panel stopped
The panel reviewed public documentation. It did not buy anything, run purchases, or compare real savings. Documentation is not performance: a product may do things it does not publish, and a product that performs well but publishes little will score low here. The Institute considers that a real limit of a documentation-based method and states it on every score.
Read the research file overview, the methodology, or the 2026 award record.
Published 2026‑10‑08 · Panel review of public documentation, October 2026