Flexible payments on Apple Pay
Split the cost with Klarna when you use Apple Pay at checkout online or in app.¹
Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. 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.
Shop in more places online
Shop at your favourite stores, online or in app. You will find Klarna anywhere you see Apple Pay at checkout.
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
Convenience
Manage everything in one place. Make any remaining payments in the Klarna app and we’ll keep you on track with reminders and updates.
How it works
1. Select Apple Pay at checkout
Find Apple Pay across a variety of stores, online or in apps, with your iPhone or iPad.
2. Tap "Other Cards & Pay Later Options"
Continue to select Klarna as your trusted pay later option.
3. Set up Klarna and pay flexibly
Choose how you want to pay, and split the cost.
4. Complete your purchase
Securely authenticate your purchase with Face ID, Touch ID or 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 set up and use Klarna with Apple Pay? Find your answers below. For any further help or trouble-shooting, please contact customer service.
Click the link to get started, right from the Klarna app. You will need to add your payment details and complete the security checks.
In the Klarna app, tap Wallet.
Select your Klarna Card and tap Add to Apple Wallet.
Fill-in your card details and agree to the T&Cs on the Apple Wallet intro screen.
Select Done on the confirmation screen.
You can use Klarna’s payment options directly on Apple Pay when shopping online or in app, on iPhone or iPad
Once you have Klarna in Apple Wallet, shop online or in app and choose Apple Pay at checkout.
Tap Other Cards & Pay Later Options.
Select Klarna as your payment method then tap Continue to Klarna and follow the verification steps.
Choose your preferred payment plan and confirm the purchase with Face ID, Touch ID or passcode.
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.
In-store purchases are not supported.
Wait 24 hours before trying again.
Be sure your device is updated to the latest iOS or iPadOS version.
Be sure your Klarna 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 Card
With the Klarna Card, you can also choose how to split 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.
¹ Paying over time on Apple Pay: Loans 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. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see
.