Image credit: Seadog81 / Shutterstock.com
Klarna, a leading AI-powered payments network and shopping assistant, is now integrated with Apple Pay for online and in-app purchases using iPhone and iPad running iOS 18 and iPadOS 18 or later. Starting today, eligible users in the U.S. and U.K. can take advantage of Klarna’s flexible payment options, including interest-free installment plans (three or four payments) or extended financing with APRs starting at 0%. Expansion to Canada is planned in the coming months.
“Consumers worldwide have been eager for Klarna’s integration with Apple Pay, and I’m thrilled to announce that it’s finally here! Our fair and flexible payment solutions are now more accessible at checkout for Apple Pay users in the U.S., U.K., and soon Canada,” said Sebastian Siemiatkowski, Klarna’s Co-founder and CEO. “This marks a significant milestone in our mission to make Klarna available at every checkout.”
Klarna’s “Pay in 4” feature enables users to split purchases between $35 and $2,000 into four equal, interest-free payments. For larger transactions, financing options with monthly repayments are available, starting at 0% APR.
“We’re pleased to offer U.S. and U.K. consumers greater flexibility with Klarna’s payment options integrated into Apple Pay,” said Jennifer Bailey, Apple’s Vice President of Apple Pay and Apple Wallet. “This rollout allows users to pay over time while still enjoying the security and convenience of Apple Pay.”
This integration makes Klarna’s flexible payment solutions even more accessible, allowing users to complete purchases directly on their iPhone or iPad via Apple Pay.
To use Klarna at checkout, eligible customers can select ‘Other Cards & Pay Later Options’ when using Apple Pay on an iPhone or iPad. After choosing Klarna, they can review their available payment options, agree to the terms, and confirm the purchase by double-clicking the side button and authenticating with Face ID or Touch ID. Klarna will conduct a lending decision without impacting the user’s credit score.
With this partnership, Klarna users can enjoy Apple Pay’s robust privacy and security features. As with all Apple Pay transactions, Apple does not store purchase details.
Last month, Klarna expanded its offerings by launching “Apple from Klarna,” a dedicated storefront available in the Klarna app and Klarna.com, where U.S. customers can purchase Apple products with flexible payment options.
With 85 million active consumers, Klarna is the world’s largest Buy Now, Pay Later (BNPL) provider. The company continues to expand its reach, working towards being available at every checkout and in every digital wallet, offering consumers a smart and fair alternative to traditional credit cards.
