Klarna's Apple Pay BNPL Now Available in Spain, Denmark and Sweden

Klarna has expanded its buy-now-pay-later (BNPL) options within Apple Pay to three additional European markets: Spain, Denmark and Sweden. The move lets shoppers in those countries choose Klarna’s deferred or installment payment options directly through Apple Pay at checkout, simplifying the payment flow for both consumers and merchants.

Integration into Apple Pay means Klarna’s payment choices appear as part of the familiar Apple checkout experience, so customers don’t need to switch apps or enter separate payment details. For merchants, the integration aims to reduce friction at checkout and improve conversion by presenting BNPL as a native, trusted payment method backed by Apple’s security and Klarna’s underwriting.

Klarna’s expansion continues a broader trend of embedding flexible payments into mobile wallets. By making BNPL available inside Apple Pay across additional European markets, Klarna strengthens its presence among mobile-first shoppers who prioritize convenience and speed. For retailers, the combined offering can boost average order values and lower cart abandonment rates by offering flexible payment alternatives at the moment of purchase.

The launch in Spain, Denmark and Sweden also underscores the ongoing competition among fintechs to integrate with major wallet providers and capture market share in local currencies and regulatory environments. While Klarna and Apple have previously collaborated in other regions, this regional rollout highlights a strategic push to make BNPL a seamless part of mainstream mobile payments across Europe.

Consumers should still review the terms of Klarna’s specific products — such as deferred payment or installment plans — before choosing an option, since pricing and eligibility can vary by country and merchant. Merchants interested in offering the integrated option can work with Klarna and their Apple Pay payment gateway partners to enable the feature in their online and in-app checkouts.

Overall, the expansion brings more choice to European shoppers and a smoother checkout path for merchants, signaling continued momentum for embedded BNPL services within major mobile wallets.