Klarna Joins Apple Pay in France and Italy, Expanding Buy Now, Pay Later Reach

Consumers in France and Italy can now use Klarna with Apple Pay. This integration offers a popular buy now, pay later financing option. The service launched this week.

According to Reuters, this marks a key expansion in Europe. It lets shoppers split online and in-app purchases into installments. This move follows Apple’s strategy of partnering with external lenders.

Seamless Checkout and Interest-Free Options for Shoppers

Eligible users will see Klarna at checkout. They can select it from the “Other Cards & Pay Later Options” menu. Plans include four interest-free payments.

For larger purchases, longer plans with interest are available. Klarna emphasizes its competitive rates. The shortest plans involve no extra cost if paid on time.

This expansion brings the total to eight supported countries. The U.S., U.K., Canada, and several European nations already had access. The service is integrated directly into the Apple Wallet system.

Apple’s Strategic Shift in Consumer Financing

This partnership highlights a broader industry shift. Apple discontinued its own “Apple Pay Later” service last year. The company now relies on established partners like Klarna and Affirm.

Experts see this as a pragmatic move. It allows Apple to offer flexible payment without managing credit risk. The partnerships vary in availability by regional market.

The upcoming iOS 26 update will extend this functionality. Users will be able to select buy now, pay later options for in-store Apple Pay purchases. This creates a unified financing experience across all shopping methods.

This expansion makes Klarna’s flexible payments more accessible than ever through Apple Pay. It underscores the growing demand for point-of-sale financing options in everyday commerce.

Info at your fingertips

Q1: How do I use Klarna with Apple Pay?

At checkout in supported apps or websites, select Apple Pay. Then, choose “Other Cards & Pay Later Options” and select Klarna. You will then see the available payment plans for your purchase.

Q2: Are there any fees for using Klarna?

Klarna’s shortest plans, like paying in four installments, are interest-free. You pay nothing extra if you make payments on schedule. Longer-term financing for bigger purchases may have competitive interest rates.

Q3: Which countries support Klarna on Apple Pay?

Klarna is now available via Apple Pay in eight countries. These include the United States, Canada, the United Kingdom, France, Italy, Spain, Sweden, and Denmark. Availability of other lenders like Affirm differs by region.

Q4: Why did Apple stop its own pay-later service?

Apple discontinued Apple Pay Later to focus on core services. Partnering with experts like Klarna allows them to offer financing without directly handling credit and loans. This is a common strategy for tech firms in financial services.

Q5: Can I use this for in-store purchases?

Currently, this integration is for online and in-app purchases. However, with the release of iOS 26, the feature will expand to in-store Apple Pay transactions. This will allow you to select Klarna at physical retail terminals.