Flexible payments on Apple Pay
Split the cost with Klarna on Apple Pay, now in-store and online. iOS 26 or later required.¹
Klarna on Apple Pay is available in-store on iPhone and online or in apps on iPhone or iPad. Software requirements apply.
Klarna’s Pay in 3 and Pay in 30 days is not regulated by the FCA. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Now available in store. Split your purchase with Klarna on Apple Pay.
Shop at more places online and in-store
Split the cost instantly with contactless payments - just tap the Apple Pay button.
The benefits of Klarna on Apple Pay
Flexible
Make purchases more manageable with Klarna's flexible payment options. Choose the best payment plan for you.
Secure
Get the security and privacy features you know and trust from Apple Pay, combined with Klarna's buyer protection every time you pay.²
Convenient
Quick, contactless payments in-store and online. Track and manage your payments in the app, with everything in one place.
² Exclusions apply. Learn more here.
How to use Klarna on Apple Pay
In-store
Open Apple Wallet on your iPhone and tap the Add (+) button.
Select Pay Later Options and choose Klarna.
Follow the steps to finish the setup.
When shopping in-store, double-click the side button of your iPhone and select your Klarna card.
Follow the steps to choose a plan that works best for you.
Hold your iPhone near the reader to complete your purchase.
Online & in-app
Tap the Apple Pay button at checkout.
Go to “Other Cards & Pay Later Options” to select Klarna.
Choose how you want to pay, and split the cost.
Complete your purchase securely with Face ID, Touch ID, or your passcode.
Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Frequently asked questions
Questions about how to use Klarna on Apple Pay? Find your answers below. For any further help or troubleshooting, please contact customer service.
Yes, if shopping in-store and using Klarna with Apple Pay for the first time, you’ll need to add Klarna to your Apple Wallet. Follow the steps below:
Open Apple Wallet on your iPhone.
Tap the Add (+) button, select Pay Later Options, choose Klarna.
Follow the steps to complete the setup.
For future purchases, you’ll still need to be approved by Klarna.
For in-store purchases, you have to add Klarna to your Apple Wallet. Once you have done that, follow the steps below:
Double-click the side button of your iPhone and select your Klarna card.
Tap the payment option selector and select Pay Later.
Follow the steps to choose a plan that works best for you.
Hold your iPhone near the reader to complete your purchase.
You can use Klarna’s payment options directly on Apple Pay when shopping online or in app, on iPhone or iPad.
When checking out, choose Apple Pay, tap Other Cards & Pay Later Options.
Select Klarna then tap Continue to Klarna and follow the verification steps.
Choose your preferred payment plan and confirm the purchase.
A card will be added to Apple Wallet. For future purchases, you’ll still need to be approved by Klarna.
Good to know:
You’ll receive your order confirmation by email.
You can view and manage all your purchases in the Klarna app or on klarna.com.
Be sure your device is updated to the latest iOS or iPadOS version.
Wait 24 hours before trying again.
Be sure your Klarna Credit Card is not
.Check you entered the card details correctly.
The reason is displayed in a pop-up message at checkout,
. Be sure to follow the instructions in the pop-up message before attempting to make another purchase.
Get more with the Klarna Credit Card
With the Klarna Credit Card, you can also choose how to pay for your online and in app purchases, right at checkout on Apple Pay. You can also use it in-store with Apple Pay and choose how to split your purchases later in the Klarna app.
Klarna Credit Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative APR 0.0% (variable).
¹ Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Apple provides technical services for Paying Over Time on Apple Pay. Apple is not providing financial services, and all lending and payment services are provided to you by the relevant card issuer and lending provider. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available in-store on iPhone, and online and in-app on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477. To use Apple Pay, you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. Apple Pay is not available in all markets. View Apple Pay countries and regions. Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability.