Flexible payments on Apple Pay
Split the cost with Klarna when you use Apple Pay at checkout online or in app.¹
Shop at more places online
Use Klarna to split your payments where Apple Pay is available.
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.³
4. Complete your purchase
Securely authenticate your purchase with Face ID, Touch ID or 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.
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.
In-store purchases are not supported.
In the Klarna app, tap Wallet.
Select your Klarna Credit 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.
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 Credit Card
With the Klarna Credit 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 CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
² Exclusions apply. Learn more at
.³ Klarna on Apple Pay is available online or in apps on iPhone or iPad. iOS 18 or later required.
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.