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Pay Later Options for In-Store Apple Pay Purchases Now Available via Affirm and Klarna

Pay Later Options for In-Store Apple Pay Purchases Now Available via Affirm and Klarna
source: gettyimages
September 15, 2025

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Affirm and Klarna have announced the expansion of their "pay later" financing options to in-store Apple Pay transactions, allowing customers to split payments conveniently at physical retail locations.

What’s New?

Previously, Affirm and Klarna's pay-over-time services were limited to online purchases using ‌Apple Pay‌. The latest update now enables users to benefit from these flexible payment plans when shopping in stores.

Details of Payment Options

How to Use in Store

1. Ensure your device has iOS 26 installed. 2. Open the Wallet app and tap the "+" button. 3. Select "Pay Later Options" and choose either Affirm or Klarna. 4. When ready to check out, double-click the side button on your iPhone. 5. Select Affirm or Klarna as your payment method. 6. Choose Pay Later, obtain approval, and authenticate with Face ID or Touch ID.

Additional Information

Apple previously introduced its own ‌Apple Pay‌ Later service, but it was discontinued. The cooperation with Affirm and Klarna offers users more payment flexibility across retail environments.

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Note

This feature provides a seamless way for customers to manage expenses and make larger purchases more manageable, blending the convenience of mobile payments with flexible financing options.

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Images related to this article illustrate iPhone Apple Pay transactions and the checkout process.

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