Klarna instalments via Apple Pay roll out to Denmark, Spain and Sweden

Klarna has enabled its buy‑now‑pay‑later instalment option directly through Apple Pay for users in Denmark, Spain and Sweden. The feature covers online purchases, in‑app payments and in‑store checkouts, provided customers use an iPhone or iPad running the latest system software.

The rollout means shoppers in those countries can choose Klarna to split payments at checkout within the Apple Pay flow. France is expected to follow next, and Klarna says the activation mirrors similar programs it already operates in other markets.

How it works

• At checkout, select Apple Pay as the payment method and choose the Klarna instalment option when available.
• Instalment plans, eligibility and terms are presented by Klarna during the Apple Pay flow — Klarna manages the financing and repayments.
• The feature works across online stores, supported apps and physical retailers that accept Apple Pay.

Who can use it

Customers in Denmark, Spain and Sweden with compatible Apple devices and the latest OS will see Klarna instalments as an option where merchants and Klarna support it. Apple Pay acts as the interface while Klarna handles the financing terms and account management.

Why this matters

Integrating Klarna into Apple Pay streamlines buy‑now‑pay‑later access, reducing friction at checkout and making instalment options more visible to shoppers. For merchants, it can increase conversion by offering flexible payment options without changing their existing Apple Pay integration.

However, consumers should be mindful of the terms: instalment plans vary by market and may include interest or fees depending on the plan selected. As always, review Klarna’s payment terms before committing to financing.

Where to find more information

See Klarna’s site for details on plans and eligibility (opens in a new tab): klarna.com. For Apple Pay requirements and supported devices, check Apple’s support pages (opens in a new tab): Apple Pay support.

Discussion: Will you use Klarna instalments through Apple Pay for larger purchases — or do you prefer traditional cards or single‑payment checkout? What would make you more likely to pick instalments at checkout?