Hand holding phone with Klarna's payment option on Apple Pay
Hand holding phone with Klarna's payment option on Apple Pay

Flexible payments on Apple Pay

Split the cost with Klarna on Apple Pay, now in-store and online. iOS 26 or later required.¹

Learn more

Shop at more places online and in-store

Split the cost with contactless payments — just tap the Apple Pay button to get started.

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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.

How to use Klarna on Apple Pay

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In-store

  1. Open Apple Wallet on your iPhone and tap the Add (+) button.


  2. Select Pay Later Options and choose Klarna.


  3. Follow the steps to finish the setup.


  4. When shopping in-store, double-click the side button of your iPhone and select your Klarna card.


  5. Follow the steps to choose a plan that works best for you.

  6. Hold your iPhone near the reader to complete your purchase.

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Online & in-app

  1. Tap the Apple Pay button at checkout.

  2. Go to “Other Cards & Pay Later Options” to select Klarna.

  3. Choose how you want to pay, and split the cost.

  4. Complete your purchase securely with Face ID, Touch ID, or your passcode.

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:

  1. Open Apple Wallet on your iPhone.

  2. Tap the Add (+) button, select Pay Later Options, choose Klarna.

  3. 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:

  1. Double-click the side button of your iPhone and select your Klarna card.

  2. Tap the payment option selector and select Pay Later.

  3. Follow the steps to choose a plan that works best for you.

  4. 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.

  1. When checking out, choose Apple Pay, tap Other Cards & Pay Later Options.

  2. Select Klarna then tap Continue to Klarna and follow the verification steps.

  3. 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.

The reason is displayed in a pop-up message at checkout,

if you are not approved to pay with Klarna
. Be sure to follow the instructions in the pop-up message before attempting to make another purchase.

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Get more with the Klarna Card

With the Klarna 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 debit to pay in real-time from your balance, or plan a purchase if you want to pay later.³

Learn more