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on Apple Pay

Flexible payment options available with Klarna on Apple Pay. Shop online and in-store with interest-free installments and complete payment security.

You can use flexible payment options on Apple Pay at checkout online on iPhone or iPad or in-store on iPhone. Choose to pay in full or split your purchase into instalments through an eligible card or payment provider*.

Flex in Three

Split your purchase into three equal, interest-free installments. Perfect for everyday purchases.

  • ✓ Three equal payments
  • ✓ No interest charges
  • ✓ No hidden fees
  • ✓ Instant approval
Important Information: Klarna performs credit checks which may affect your credit rating. Available to UK residents aged 18+. Subject to status and approval. Late fees may apply for missed payments. Representative APR of 0%. Always read terms and conditions before applying.

How to use

To make a purchase in-store, double-click the side button and tap the credit or debit card you want to use. If your card is eligible for flexible payments, you’ll see the option to tap Pay Later and to Choose a Plan.
When checking out online, choose Apple Pay as your payment method, and follow the steps below.

1

Look for Pay Later

To use pay over time options, tap a card that supports pay later. To see if your default card supports pay later, look for the Pay Later hint under the card.

2

View Available Plans

Select an instalment plan from your preferred eligible card or tap Other Cards & Pay Later Options to select a payment plan from Klarna.

3

Complete Your Purchase

Complete your purchase securely with Face ID, Touch ID or your passcode.

Why choose Pay over time on Apple Pay?

The perfect combination of flexibility, security, and convenience

Designed to be secure

Apple Pay uses security features built into your Apple devices including Face ID and Touch ID, so only you can authorise purchases.

Instant Approval

Get an immediate lending decision with Klarna's advanced underwriting. No impact on your credit score for checking eligibility.

Easy Payments

Just tap your iPhone instore or tap the Apple Pay button to checkout online at KRCS. It’s that simple.

Smart Reminders

Never miss a payment with automatic reminders. Manage all your purchases through the Klarna app.

Frequently Asked Questions

Everything you need to know about using Klarna with Apple Pay

Is Klarna available everywhere Apple Pay is accepted? +
Klarna is available when checking out with Apple Pay online and in apps on iPhone and iPad with iOS 26 or later. The service is currently available to UK residents aged 18 and over, subject to approval.
Do I need to add Klarna to my Apple Wallet? +
Yes, if shopping in-store and using Klarna with Apple Pay for the first time, you’ll need to add Klarna to your Apple Wallet. Follow the steps below:
1 - Open Apple Wallet on your iPhone.
2 - Tap the Add (+) button, select Pay Later Options, choose Klarna.
3 - Follow the steps to complete the setup.
For future purchases, you’ll still need to be approved by Klarna.
How do I use Klarna on Apple Pay for in-store purchases? +
For in-store purchases, you have to add Klarna to your Apple Wallet. Once you have done that, follow the steps below:
1 - Double-click the side button of your iPhone and select your Klarna card.
2 - Tap the payment option selector and select Pay Later.
3 - Follow the steps to choose a plan that works best for you.
4 - Hold your iPhone near the reader to complete your purchase.
For future purchases, you’ll still need to be approved by Klarna.
How do I use Klarna on Apple Pay for online purchases? +
You can use Klarna’s payment options directly on Apple Pay when shopping online or in app, on iPhone or iPad.
1 - When checking out, choose Apple Pay, tap Other Cards & Pay Later Options.
2 - Select Klarna then tap Continue to Klarna and follow the verification steps.
3 - Choose your preferred payment plan and confirm the purchase.
A card will be added to Apple Wallet. For future purchases, you’ll still need to be approved by Klarna. For future purchases, you’ll still need to be approved by Klarna.
Why am I not able to find Klarna on Apple Pay? +
Be sure you are using an iPhone or iPad and the device is updated to the latest iOS or iPadOS.
Will using Klarna affect my credit score? +
Klarna performs credit checks when you apply, which may be recorded on your credit file. However, checking your eligibility through the Klarna app typically uses a soft search that won't affect your credit score. Making payments on time can positively impact your credit rating, while late or missed payments will have negative effects. Always ensure you can afford to make your payments in full and on time.
Are there any fees for using Klarna with Apple Pay? +
Pay over time has no interest charges when you pay on time. There are no upfront fees or monthly account fees. However, late fees may apply if you miss a payment. Always ensure you have sufficient funds for scheduled payments.
How do I track my Klarna payments? +
Download the Klarna app to manage all your purchases and payments in one place. You'll receive automatic reminders before each payment is due, can view your payment schedule, and even reschedule payments if needed. The app provides a complete overview of your spending with Klarna.
My order using Klarna on Apple Pay didn't go through or the "Additional Pay Later Options" doesn't appear? +
The reason is displayed in a pop-up message at checkout, if you are not approved to pay with Klarna. Be sure to follow the instructions in the pop-up message before attempting to make another purchase. You can see more about why Klarna is not available and how to get approved by Klarna by clicking here. Be sure you are shopping using an iPhone or iPad and the device is updated to the latest iOS or iPadOS version.
What happens if I need to return an item? +
If you return an item purchased with flexible payments, contact the retailer first to process your return according to their policy. Once the retailer confirms your return, your finance payment plan will be adjusted automatically. You won't be charged for returned items, though you'll need to continue making payments on any items you keep.

Small print..

Paying over time on Apple Pay

Loans not offered by Apple. All loans are offered by your lending provider and are subject to the lending provider's eligibility requirements and approval, as well as other lending provider terms. Apple Distribution International Limited is not a lender, it is an appointed representative of Apple Payments Services Limited (FCA FRN 770345) for credit broking in the UK. Apple provides technical services for Paying Over Time on Apple Pay. Apple is not providing financial services, and all lending and payment services are provided to you by the relevant card issuer and lending provider. Your loan activity may be reported to credit bureaus by your lending provider, which may affect your credit score. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. May need an eligible card. Available in-store on iPhone, and online and in-app on iPhone or iPad. Software requirements may apply. Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. Additional eligibility requirements may apply. For more eligibility and feature details, see https:// support.apple.com/120477.