Klarna payment options on Apple Pay have now become available to customers in Spain, Denmark, and Sweden.
Eligible users in these countries can use Klarna’s flexible payment services when checking out online and in-app with an iPhone or iPad, and for in-store purchases using an iPhone.
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This development is said to increase transparency and flexibility for Apple Pay customers in these nations.
The expansion follows similar launches in the UK, Canada, and the US , where customers are able to check out with Klarna via Apple Pay.
Klarna said it is among the first buy now, pay later (BNPL) providers available through Apple Pay in these regions.
Customers can split their purchases into three monthly instalments or choose to pay up to thirty days later. Both options are free of interest, , the company said.
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By GlobalDataFor “higher-value items”, payments can be spread over a longer period with competitive interest rates beginning from zero percent.
The company said that French customers are expected to gain access to Klarna via Apple Pay in the coming weeks.
When using Apple Pay, either in person, online or in-app, customers choose Klarna at checkout and tap ‘Pay Later’ to see available Klarna products.
Customers can then choose their preferred instalment plan and complete the payment process via Apple Pay.
Before a purchase is approved, Klarna applies its underwriting procedures to support “responsible lending” practices while ensuring that customer credit scores are not affected.
Meanwhile, Klarna has reported a 26% increase in revenue to $903m in the third quarter (Q3) of 2025.
Gross merchandise volume (GMV) increased 23% to $32.7bn during this period.
In the US market, GMV increased by 43%, while revenue saw a growth of 51%.
The Klarna Card achieved four million signups since July and accounted for 15% of worldwide transactions in October.
Looking ahead to Q4 2025, Klarna projects a GMV between $37.5bn–$38.5bn, revenue between $1.065bn–$1.08bn, and total managed deposits (TMD) between $390m–$400m.
Klarna reported a net loss of $95m in Q3 2025, compared with a net income of $12m for Q3 2024.
