Klarna has extended its partnership with Apple Pay into two of Europe’s largest consumer markets – France and Italy – enabling users to pay via monthly instalments directly through Apple Pay’s checkout flow. This brings the number of countries where Klarna’s flexible-payment services are available inside Apple Pay to eight.
With the expansion, eligible consumers in these new markets can split purchases into three monthly, interest-free instalments or defer payment up to 30 days. For larger transactions, longer-term plans remain available with competitive rates. The integration covers online, in-app and in-store checkout (via iPhone), providing a seamless option for shoppers who want flexibility without leaving the Apple Pay ecosystem.
The move reflects growing demand for flexible financing options amid cost-of-living pressures and tight household budgets across Europe. Many consumers now view “buy now, pay later” (BNPL) and instalment plans as practical alternatives to credit cards, especially for higher-value purchases or during seasonal sale periods.
For Klarna, the expansion deepens its reach across key retail economies and strengthens its position in the crowded payments space. By embedding instalments directly into a widely used digital wallet, the firm increases convenience, reduces friction at checkout and broadens its consumer base. At the same time, traditional banks and credit-card issuers may feel increased pressure as flexible-payment models gain mainstream traction.
