Flexible payments on Apple Pay
Choose to pay later with Klarna, right at checkout on Apple Pay. Available in store and online. iOS26 or later required.¹
Shop at more places online and in-store
Split the cost with contactless payments — just tap the Apple Pay button to get started.
The benefits of Klarna and 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 on eligible purchases.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 and Apple Pay
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.
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 and 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.
Be sure your Klarna Card is not temporarily frozen or blocked.
Check you entered the card details correctly.
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.