Users checking out on Apple Pay online and in apps with iPhone and iPad on iOS 18 and iPadOS 18 or later can now leverage all the benefits of Klarna flexible payment options.

Klarna, an AI-powered global payments network focusing on BNPL loans and shopping assistance, rolled out its flexible payment offerings for eligible Apple Pay users in the U.S. and UK.

The company claims consumers have been long asking for Klarna services on Apple Pay. Now their demand is satisfied. Users, who have iPhone and iPad running on iOS 18 and iPadOS 18 or later, can choose Klarna’s Pay in 4 payment option when checking out on Apple Pay whether online or in apps.

The offering gives consumers a chance to cover the price of their purchase between $35-$2,000 over time with 4 fixed repayments, interest-free. Financing is also available for higher ticket items with monthly repayments made over a longer period. The cost of this flexible option starts at 0% APR.

Eligible users can find a new payment option within the ‘Other Cards & Pay Later Options’ section of the checkout menu. They should authenticate with Face ID or Touch ID to confirm their purchase. The new lending decision by Klarna will not impact a customer’s credit score.

Klarna is a Swedish fintech company best known for its buy now, pay later (BNPL) services. Founded in 2005, Klarna operates across various markets, providing its 85 million active consumers with flexible payment solutions, and partnering with retailers to integrate its service into their checkout processes.

We have previously reported that Klarna is considering its initial public offering (IPO) in the United States, which may happen as soon as 2025.