Apple Pay Now Lets You 'Pay Later' With Klarna in Three More Countries

[MacRumors]

Klarna is now available as a buy-now, pay-later option when using Apple Pay in Denmark, Spain, and Sweden, with France to follow in the coming weeks. This financing option lets you pay for your Apple Pay purchase in monthly installments.

Klarna was already available via Apple Pay in the United States, Canada, and the United Kingdom.

Apple discontinued its own buy-now, pay-later service called Apple Pay Later last year, and instead started partnering with third-party providers, including Klarna, Affirm, and Synchrony. Availability of these providers varies by country.

When checking out with Apple Pay online and in apps, iPhone and iPad users can select "Other Cards & Pay Later Options" to access installment payment plans from Klarna and other financing partners, where available. Starting with iOS 26, the buy-now, pay-later options are also available for in-store Apple Pay purchases.

Article Link: Apple Pay Now Lets You 'Pay Later' With Klarna in Three More Countries

 

[VisceralRealist]

Wasn't Klarna in danger of going under because too many people who opted to "pay later"--surprise, surprise--weren't making payments? 🤔

 

[f0ku5]

Poland please!

 

[KENESS]

Wasn't Klarna in danger of going under because too many people who opted to "pay later"--surprise, surprise--weren't making payments? 🤔

According to TikTok news, yes. According to reality, nope.

 

[lilkwarrior]

Wasn't Klarna in danger of going under because too many people who opted to "pay later"--surprise, surprise--weren't making payments? 🤔

And? Doesn’t make it a bad idea for such financing options to exist simply because some people are irresponsible and the risk of servicing them became inconvenient for some time for Klarna.

 

[tuckerjj]

🤮 Klarna gives me the ick

 

[cdsapplefan]

And? Doesn’t make it a bad idea for such financing options to exist simply because some people are irresponsible and the risk of servicing them became inconvenient for some time for Klarna.

As a business Klarna already knows there will be some irresponsible borrowers, it comes with the industry. No financial company has 100% on time paying customers.

 

[sw1tcher]

Wasn't Klarna in danger of going under because too many people who opted to "pay later"--surprise, surprise--weren't making payments? 🤔

🤷‍♂️

Klarna Group plc - Financials - Financial Reports

investors.klarna.com

Klarna delivers record-breaking Q3 as AI-powered digital bank: $903 million in revenue and 4 million card sign-ups in 4 months

New York - November 18, 2025 – Klarna, the global digital bank and flexible payments provider, reported record results in its first quarter as a public company, surpassing analyst expectations. The company expects to exceed $1 billion in revenue in Q4 2025, its first billion-dollar quarter.


AI efficiency gains: Realized losses down, operational leverage up

More consumers are paying on time or even early than ever before. Realized losses fell to 0.44% of GMV, evidence that our underwriting is working and improves with additional data. We have now underwritten half a trillion in volume over 20 years.

 

[VisceralRealist]

And? Doesn’t make it a bad idea for such financing options to exist simply because some people are irresponsible and the risk of servicing them became inconvenient for some time for Klarna.

I use Klarna myself 😅 I’m not bashing it or bashing people who use it. I just get concerned about the amount of debt the average person has in this country, and this was something I recalled reading. If it was incorrect, it was incorrect. I certainly didn’t encounter it on TikTok, I don’t use TikTok 🤷‍♂️

 

[lilkwarrior]

As a business Klarna already knows there will be some irresponsible borrowers, it comes with the industry. No financial company has 100% on time paying customers.

Agreed which is my point: It’s the nature of the business

 

[lapstags]

Disgusting predatory capitalism.

 

[bigchrisfgb]

And? Doesn’t make it a bad idea for such financing options to exist simply because some people are irresponsible and the risk of servicing them became inconvenient for some time for Klarna.

Klarna want people to default on payments. They make no money if you pay it off in 3 months, but their APR rates are usually considerably higher than competing credit cards or direct finance plans with the retailer. This is where they make their money.

 

[DrRadon]

Klarna is one of those not a bank banks that is a weird fin tech start up. If they mess up it’s your fault and support will be terrible. Work with real banks, especially if it’s about substantial amounts of money.

 

[lilkwarrior]

Klarna want people to default on payments. They make no money if you pay it off in 3 months, but their APR rates are usually considerably higher than competing credit cards or direct finance plans with the retailer. This is where they make their money.

I’m well aware; again what exactly is wrong with the for a financing company?

No harm, no foul offering a common convenient paying option for people to maximize their cash flow and budget responsibly.

The more options available for a wider variety of people to pay for things conveniently is a good thing—especially digital commerce as well as handily even in-store

 

[lilkwarrior]

Disgusting predatory capitalism.

With that logic, all credit cards, loans (including student loans), and even college/drafts are predatory capitalism.

It’s selective outrage on your part to feel the line is crossed there are buy now pay later services

 

[incoherent_1]

Highly recommend a fantastic NYTimes deep dive into these "pay over time" apps like Klarna (not sure if I can post external links?). I never knew what they were and mostly ignored those icons.

TLDR: They are yet another gateway drug to crushing debt.