Klarna has expanded the availability of its flexible payment options to Apple Pay users in France and Italy. This integration allows millions of eligible shoppers to choose Klarna's "Pay in 3" or "Pay Later" options when checking out online, in-app, or in-store using Apple Pay, bringing the service to eight major markets globally.
Quick Intel
Klarna’s flexible payment options are now available through Apple Pay in France and Italy.
Eligible shoppers can split purchases into three interest-free installments or pay up to 30 days later.
The expansion follows successful launches in the U.S., UK, Canada, Sweden, Denmark, and Spain.
Integration works for online, in-app, and in-store purchases using iPhone, iPad, or Apple Watch.
Klarna applies its underwriting at checkout to ensure responsible lending.
The move is part of Klarna's strategy to be available at every digital checkout.
This expansion builds on strong consumer adoption in existing markets, including the U.S., UK, Canada, and several European countries. By integrating with Apple Pay's simple and secure checkout experience, Klarna offers shoppers more choice and flexibility, allowing them to select a payment schedule that suits their needs directly within a familiar payment flow.
When checking out online, in-app, or in-store with Apple Pay, eligible customers can now select Klarna as their payment method. They can then choose to split their purchase into three equal, interest-free monthly installments or opt to pay the full amount up to 30 days later. For higher-value purchases, longer-term financing options with competitive interest rates are also available. Before approval, Klarna conducts real-time underwriting to promote responsible lending.
The integration reinforces Klarna's mission to provide a fairer alternative to traditional credit at as many checkouts as possible. "By delivering this innovative capability to even more users and expanding to France and Italy, millions more people can choose the payment schedule that works best for them — all within the Apple Pay experience they already know and love," said Sebastian Siemiatkowski, Co-founder and CEO of Klarna. The move leverages Apple Pay's security and privacy features, where Apple does not retain transaction information linked to the user.
Klarna's continued expansion through key digital wallets like Apple Pay underscores the growing consumer demand for transparent, flexible payment options at the point of sale. By embedding its services into widely used platforms, Klarna strengthens its position as a leading global payments provider in the evolving digital commerce landscape.
About Klarna
Klarna is a global digital bank and flexible payments provider. With over 114 million global active Klarna users and 3.4 million transactions per day, Klarna’s AI-powered payments and commerce network is empowering people to pay smarter with a mission to be available everywhere for everything. Consumers can pay with Klarna online, in-store and through Apple Pay & Google Pay. More than 850,000 retailers trust Klarna’s innovative solutions to drive growth and loyalty, including Uber, H&M, Saks, Sephora, Macy’s, Ikea, Expedia Group, Nike and Airbnb. Klarna is listed on the New York Stock Exchange (NYSE: KLAR).
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