Klarna Rolls Out Tap to Pay on iPhone and Android Across 14 European Markets for In-Store BNPL

Klarna expanded its Tap to Pay functionality to iPhones and Android devices across 14 European markets in December 2025, making its flexible payment options available at physical retail checkouts directly from the Klarna app.

Consumers in the markets covered by the launch will be able to tap their smartphones at compatible point-of-sale terminals to access Klarna's range of payment structures — including instalment plans — in the same way they would use a contactless debit or credit card. The feature removes the need for merchants to integrate Klarna directly into their payment systems, broadening the number of physical locations where Klarna can be used.

BUILT ON THE KLARNA CARD

Tap to Pay runs through the Klarna Card, Klarna's debit-first card, which uses Visa Flexible Credential and is accepted wherever Visa is accepted. Users open the card in the Klarna app, pay in debit mode by default or set up a flexible payment plan, and tap their iOS or Android phone at the terminal using NFC.

RESULTS AND MARKETS COVERED

The launch followed Klarna's first quarterly results as a listed company: for the third quarter of 2025 it reported a net loss of $95 million and an adjusted operating loss of $14 million.

The 14 markets covered by the rollout are Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Spain and Sweden. The company is headquartered in Stockholm.