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Klarna, the AI-driven global payments network and shopping assistant, is now integrated into Apple Pay, giving users the ability to choose flexible payment methods when making online or in-app purchases on iPhones and iPads running iOS 18 and iPadOS 18 or later. Starting today, customers in the U.S. and U.K. can enjoy Klarna’s interest-free installment options, such as paying later in three or four equal payments or financing purchases over longer periods with APRs starting from 0%. Canada is next on the list for future expansion.
“We’ve been hearing from consumers worldwide asking for Klarna on Apple Pay, and I’m thrilled to finally offer it to them. Our flexible, interest-free payment methods are now even more accessible when shopping online or in apps in the U.S., U.K., and soon, Canada. This is a significant step in our mission to offer Klarna at every checkout,” said Klarna’s Co-founder and CEO, Sebastian Siemiatkowski.
Klarna’s Pay in 4 option allows users to split purchases from $35 to $2,000 into four fixed, interest-free payments. For higher-value items, Klarna offers financing with monthly installments starting at 0% APR.
“We’re excited to give Apple Pay users in the U.S. and U.K. more options at checkout with Klarna’s flexible payments,” said Jennifer Bailey, Apple’s Vice President of Apple Pay and Apple Wallet. “Now users can split their payments over time while enjoying the simplicity and security of Apple Pay.”
This integration makes Klarna’s payment services even more accessible, allowing users to make purchases directly from their iPhone or iPad through Apple Pay, whether shopping online or in apps.
To use Klarna at checkout, eligible users should select “Other Cards & Pay Later Options” when paying with Apple Pay, choose Klarna, and then review the available payment plans. After agreeing to the terms, users authenticate their purchase with Face ID or Touch ID, completing the transaction securely. Klarna will make a lending decision, which does not affect the customer’s credit score.
The privacy and security of Apple Pay remain intact—Apple does not track or store any transaction data when Klarna is used.
Additionally, Klarna introduced “Apple from Klarna,” a dedicated storefront in the Klarna app and website, where U.S. customers can buy Apple products using Klarna’s payment options.
With 85 million active users, Klarna is the leading BNPL provider globally. As the company continues to grow, it aims to be a preferred payment solution in every digital wallet and online checkout experience.
Key Information:
- Klarna now works with Apple Pay for online and in-app purchases on iPhone and iPad running iOS 18 or later.
- To use Klarna, select “Other Cards & Pay Later Options” at checkout, then choose Klarna.
- Klarna’s Pay in 4 option offers interest-free payments, while financing is available for larger purchases.
- Klarna’s approval process does not affect your credit score.
- Apple does not store transaction histories when Klarna is used for payments.
