Klarna Integrates with Apple Pay for BNPL Payments

Klarna’s «buy now, pay later» (BNPL) service is now accessible through Apple Pay, giving users in the US and UK new ways to make installment-based purchases online and within apps on iPhones and iPads, according to Finextra. This integration marks a significant step in Klarna’s efforts to offer flexible payments at every checkout, with a global rollout planned, starting with Canada in the coming months.

«Consumers around the world have been asking for Klarna on Apple Pay, so I’m super proud to let them know it’s here,» said Sebastian Siemiatkowski, co-founder and CEO of Klarna. «This is a big step toward our mission to offer consumers Klarna at every checkout.»

Eligible users can now select ‘Other Cards & Pay Later Options’ during checkout via Apple Pay and choose Klarna’s service to split payments into three or four interest-free installments or over longer periods. Klarna’s underwriting checks are applied before approving any purchase, ensuring a responsible lending decision.

The arrival of Klarna follows similar moves by Monzo in the UK with the rollout of iOS 18. In the US, Apple has also partnered with Affirm to offer direct loan applications through BNPL, along with new rewards redemption options for Discover card users.

This partnership comes shortly after Apple discontinued its own BNPL service to focus on collaborations with third-party providers. More banks and issuers—such as ANZ in Australia, HSBC in the UK, CaixaBank in Spain, and Citi with Fiserv in the US—are expected to join this trend soon, expanding access to installment-based payment solutions.