Klarna, the global digital bank and flexible payments provider, is now available to eligible users using Apple Pay to pay in-stores on iPhone. Starting today, eligible Apple Pay users in the U.S. and UK will have access to Klarna’s flexible payment offerings, including pay later in installments with no interest. 

This news adds to last year’s partnership, which brought Klarna’s flexible payment offerings to eligible users when checking out online and in-apps with Apple Pay.

“Apple Pay is one of those products that consumers across the world genuinely love, for its ease, security and privacy,” said Sebastian Siemiatkowski, Co-founder and CEO of Klarna. “Offering Klarna as part of that experience gives people more. This is another big step in making Klarna part of everyday spending for millions of consumers, both on and offline.”

With this rollout, Klarna’s available payment options for users checking out with Apple Pay in-store will vary by market:

• U.S. – Shoppers can choose Pay in 4 (split the cost into four interest-free installments for purchases over $35), Pay Later (pay the full amount up to 30 days later, interest-free), or Financing (monthly installments for larger purchases).

• UK – Shoppers can choose Pay in Full (a seamless one-time payment), Pay in 3 (split into three  interest-free installments), or Pay Later (pay the full amount up to 30 days later, interest-free).

When paying with Apple Pay whether in person using iPhone or online and in-app using iPhone or iPad, customers will be able to select Klarna at checkout, and then tap Pay Later to view their available Klarna installment plans. Customers can then select the installment plan of their choice and complete the seamless payment process through Apple Pay. Before approval, Klarna applies its industry-leading underwriting to ensure responsible lending, with no impact on the customer’s credit score.

Apple Pay provides users with an easy, secure and private way to pay. As with all Apple Pay purchases, when a user pays with a Klarna installment plan with Apple Pay, Apple doesn’t retain any transaction information linked to the user. 

With more than 111 million active consumers worldwide, Klarna is continuing to expand its commerce network and mission to be available at every checkout, offering shoppers a fairer alternative to traditional credit cards.

Footnotes:

• Choose Apple Pay when you shop in-store on iPhone. Select Klarna to enjoy a flexible way to pay. Available on iOS 26 or later.

• Pay in 4 loans in the U.S. issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license.

• Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay in-store, online, and in-apps, on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477.

• In the U.S., Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. In other countries and regions, Apple Pay is a service provided by certain Apple affiliates, as designated by the