Flexible payments on Apple Pay
Split the cost¹ with Klarna on Apple Pay, now in-store and online. iOS 26 or later required.²
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.³
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
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.
Frequently asked questions
Questions about how to use Klarna on Apple Pay? Find your answers below. For any further help or trouble-shooting, 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
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 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.⁴
¹ CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
² Klarna on Apple Pay is available in-store on iPhone and online or in apps on iPhone or iPad. Software requirements apply.
Use Klarna with a service fee between $0.75-$3 issued by WebBank. For example: a $160 purchase with a $40 down payment and $2 service fee results in a 21.97% APR, followed by three more biweekly payments of $40 (total repayment: $162). Subject to credit approval; minimum 25% down payment required.
Paying over time on Apple Pay: Loans/plans 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. Your loan/plan activity may be reported to credit bureaus by your lending/plan provider, which may affect your credit score. The availability of your loan/plan may have an expiration date. Available with Apple Pay in stores on iPhone, and online and in apps on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see Pay with installments using Apple Pay.
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.
Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
³ Exclusions apply. Learn more at
.⁴ Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Debit Flex Card are not insured by the FDIC and are not deposits.