Klarna, a leader in flexible payment offerings, has made it easier for customers to split their payments into installments or defer payments entirely. Many active consumers are seeking ways to combine Klarna’s innovative payment plans with the convenience of Apple Pay. While Klarna doesn’t directly integrate with Apple Pay at every checkout stage, there are still ways to use both services together. Here’s how you can pay Klarna with Apple Pay, step by step, and enjoy the security features of both systems.

1. Can You Pay Klarna with Apple Pay?
Yes, you can use Apple Pay to make payments via Klarna, but it depends on the setup. Klarna allows users to use Apple Pay for Klarna’s One-Time Cards within the Klarna app, and in some cases, at online merchants that support Apple Pay. However, the payment method must be available as an option in the store or app where you’re shopping. This payment flexibility makes Klarna an attractive option for higher-ticket items, as you can spread the cost over a period of time starting with manageable monthly repayments.
Steps to Use Klarna with Apple Pay
Here’s how you can use Apple Pay to make purchases with Klarna:
2. Paying with Klarna’s One-Time Card Using Apple Pay
Klarna’s One-Time Card is a virtual card issued through the Klarna app. It allows you to make a specific purchase online or in-app and take advantage of Klarna’s flexible payment offerings. You can also load this card into your Apple Wallet and use Apple Pay to complete the transaction.
Step 1: Open the Klarna App
Download and open the Klarna app on your mobile device. Log in or create a Klarna account if you don’t have one. Sebastian Siemiatkowski, Klarna’s CEO, has highlighted how the company’s AI-powered global payments network has made it easier for consumers to manage their payments over time.
Step 2: Create a One-Time Card
Tap the “One-Time Card” option and enter the amount of your purchase. Klarna will generate a virtual card for you to use for this specific transaction. The card can be used for purchases at favorite merchants and can be integrated into your Apple Pay system.
Step 3: Add the One-Time Card to Apple Pay
Once your One-Time Card is generated, add it to your Apple Wallet by selecting the option within the Klarna app. Confirm the details, and the card will appear in your Apple Pay account.
Step 4: Use Apple Pay at Checkout
When you’re ready to make a purchase, select Apple Pay at checkout. Choose the Klarna One-Time Card from your Apple Wallet as the payment method. Klarna will allow you to split the payments into installments, with the option to pay over a period of time, which can help manage your transaction history and avoid large one-off payments.
3. Using Apple Pay with Klarna In-Store
If you’re shopping in a store that accepts Apple Pay, you can still use Klarna for flexible payments. Klarna offers the ability to create virtual cards for in-store purchases, which you can then pay with using Apple Pay.
Step 1: Create a Virtual Card in the Klarna App
Open the Klarna app and select “In-Store” purchases. Create a virtual card for the store you are shopping at.
Step 2: Add the Virtual Card to Apple Pay
Similar to the online process, add the virtual card to your Apple Wallet. You can now use this card to pay for your purchase via Apple Pay.
Step 3: Pay with Apple Pay In-Store
At checkout, choose Apple Pay as your payment method. Select your Klarna virtual card in your Apple Wallet, and complete the payment by tapping your Apple device at the contactless terminal.
4. Paying Klarna Installments Using Apple Pay
If you’ve already made a purchase through Klarna and want to use Apple Pay to pay off your installments, here’s how:
Step 1: Open the Klarna App
Launch the Klarna app and log into your account.
Step 2: Go to ‘Payments’
Navigate to the ‘Payments’ section within the app, where you’ll find your outstanding balances for purchases made using Klarna. Klarna’s shopping assistant feature helps track your payments and keeps you informed about upcoming repayments for purchases.
Step 3: Choose Apple Pay
When prompted to pay, you can select Apple Pay as your payment method to pay off your installment. Ensure that your preferred debit or credit card is linked to your Apple Pay account for smooth transactions.
Step 4: Confirm Payment
Once selected, confirm the payment using Face ID, Touch ID, or your passcode. Klarna will process the payment as part of your ongoing monthly repayments.
5. Limitations of Using Klarna with Apple Pay
While Klarna does allow the use of Apple Pay in certain situations, there are a few things to keep in mind:
- Not Available Everywhere: Klarna’s Apple Pay compatibility largely depends on the merchant and whether they accept Apple Pay. You will need to check if the merchant is compatible with both Apple Pay and Klarna.
- In-Store Limitations: Some stores may not accept Apple Pay, and Klarna’s One-Time Card may not be compatible with all merchants. This can limit the use of Klarna for in-person purchases.
- Merchant Compatibility: When using Klarna’s One-Time Card or virtual card with Apple Pay, the merchant must accept both Klarna and Apple Pay for the transaction to work seamlessly.
6. Benefits of Using Klarna with Apple Pay
There are several advantages to using Klarna and Apple Pay together:
- Quick and Secure Checkout: Apple Pay’s quick, contactless checkout process combined with Klarna’s flexible payment options creates a smooth and secure transaction experience. Jennifer Bailey, Apple’s Vice President of Internet Services, has emphasized the importance of providing secure payment methods to ensure a secure experience for customers.
- Installment Payments: By using Klarna’s payment plans and combining them with Apple Pay, you can split your payments into manageable installments, even when shopping with merchants that accept Apple Pay. This is ideal for higher-ticket items and purchases over time.
- Convenience: Apple Pay provides a seamless way to manage your payments using your mobile device, and Klarna’s One-Time Card adds even more flexibility, making it easier to keep track of transaction history and any outstanding balances.
7. Using Klarna for Payments Across a Commerce Network
By combining Klarna with Apple Pay, consumers can access a broad commerce network. Klarna’s integration with AI-powered global payments networks allows eligible users to make flexible purchases from a variety of merchants. Klarna’s partnership with merchants also means you can use both services at numerous official resellers and high-end stores.
8. Future of Klarna and Apple Pay Integration
While Klarna and Apple Pay aren’t fully integrated at all retailers yet, the partnership has the potential for growth. Klarna’s CEO, Sebastian Siemiatkowski, has indicated that the company is always looking for fairer alternatives to traditional credit cards, including more flexible payment options for eligible users. With Klarna’s periods with APRs starting as low as 0%, it offers an alternative to traditional credit cards with lower rates, making it an attractive choice for users in the AI-powered global payments network.
Conclusion
While Klarna and Apple Pay aren’t directly integrated at every checkout stage, you can still use Klarna’s One-Time Card with Apple Pay for both online and in-store purchases. Additionally, Klarna’s app allows you to pay off your repayments for purchases using Apple Pay, making it a convenient option for customers who want to manage their finances more effectively. By combining Klarna’s flexible payment plans with Apple Pay’s speed and security, shoppers can enjoy a seamless and secure experience whether shopping with favorite merchants or in-store.
With Klarna’s ability to offer fairer alternatives to traditional credit cards and Apple Pay’s security features, these two payment systems together provide a simple and secure method to pay for items over a period of time, all while staying within budget.