What Stores Accept Klarna In-Store?

Klarna, a “buy now, pay later” service, offers consumers a flexible way to manage purchases by dividing costs over time. This approach allows individuals to spread payments, which can assist with budgeting for various expenses. The service initially gained widespread adoption for online shopping, and its functionality has expanded to include in-store transactions, providing a convenient payment option for physical retail environments.

Using Klarna for In-Store Purchases

Making a purchase with Klarna in a physical store involves using the Klarna mobile application to generate a one-time digital card. A consumer opens the Klarna app and selects the “In-store” payment option to create a virtual, single-use payment method. This digital card is then added to the mobile device’s digital wallet, such as Apple Pay or Google Pay, enabling contactless payment.

At the checkout counter, the consumer presents their mobile device and uses the “tap to pay” functionality, similar to a standard contactless transaction. Some retailers also offer the option to scan a QR code at the payment terminal, allowing the consumer to select Klarna as their preferred payment method. The transaction is processed, and the consumer receives confirmation within the Klarna app, outlining their payment plan, which often involves four interest-free installments paid every two weeks. For these “Pay in 4” plans, a soft credit check is typically performed, which does not impact the consumer’s credit score.

Finding Klarna-Enabled Stores

Discovering which physical retail locations accept Klarna for in-store purchases primarily relies on the Klarna mobile application. The app features a built-in store locator or map function, allowing users to search for nearby merchants that support Klarna payments. This tool provides the most current information on participating retailers, ensuring consumers can verify acceptance before shopping.

Consumers might also identify Klarna-enabled stores by looking for visible signage at store entrances or checkout counters. Retailers often display logos of accepted payment methods, including “buy now, pay later” services. A retailer’s official website may also provide details on in-store payment options. If a store is not listed within the Klarna app, attempts to use the service there may be declined.

Common Retailers with In-Store Klarna

Many retailers across various sectors have adopted Klarna for in-store purchases. Major department stores such as Macy’s and Target integrate Klarna for eligible transactions, allowing customers to split payments on items within a specified price range, often between $10 and $1,000. Fashion and apparel retailers like H&M and Nike also accept Klarna, catering to shoppers looking to manage clothing and footwear expenses.

Klarna’s in-store acceptance extends to other categories, including beauty and electronics, with brands like Sephora and Best Buy participating. While the list of participating stores is dynamic and can change, these examples illustrate the diverse range of retail environments where Klarna can be utilized. For certain payment plans, a late fee of up to $7 may be applied if an automatic payment is missed, though this varies by the specific plan and terms.