You can add Klarna to Apple Wallet on iPhone or iPad, but only if you have a Klarna virtual card

Klarna, the buy-now-pay-later service, offers a virtual card that you can store in Apple Wallet. This is different from adding Klarna as a payment method during checkout at a store — you're actually creating a card number that lives in your wallet app. Not every Klarna account has access to a virtual card yet; availability depends on your location and account status.

The process takes about five minutes and requires the Klarna app, an iPhone or iPad running iOS 12 or later, and Face ID or Touch ID enabled on your device. Once added, you can use the card anywhere Apple Pay is accepted, and Klarna's payment plan terms still apply to those purchases.

Key Takeaways

  • You need a Klarna virtual card to add to Apple Wallet — not all accounts have this feature yet, so check the Klarna app first.
  • The virtual card appears in Apple Wallet as a regular card, but Klarna's payment plans still apply when you use it.
  • You must have Face ID or Touch ID set up on your device before you can add the card.
  • Once added, you can use the card at any merchant that accepts Apple Pay, including online and in-store purchases.

Check if your Klarna account has a virtual card

Open the Klarna app and tap the card icon or look for a section labeled "Card" or "Virtual Card." If you see a card number displayed, you have access to a virtual card. If you don't see this option, your account doesn't have one yet — Klarna rolls out virtual cards gradually by region and account type.

You can still use Klarna at checkout without a virtual card; you just won't be able to store it in Apple Wallet. If your account doesn't show a virtual card, check back in a few weeks, as Klarna may enable it later.

Open Apple Wallet and start adding the card

On your iPhone or iPad, open the Wallet app (the one with a white wallet icon). Tap the plus sign in the top right corner. You'll see options to add a credit card, debit card, or other payment method. Select "Credit or Debit Card."

You can either photograph the card details or enter them manually. Since Klarna's virtual card is a number that exists only in the Klarna app, you'll need to enter the card number, expiration date, and CVV by hand. Have the Klarna app open on another screen or device so you can see these details while you enter them.

Enter your Klarna card details into Wallet

In the Klarna app, find your virtual card and note the 16-digit card number, the expiration date (usually shown as MM/YY), and the three-digit security code on the back. Return to Wallet and type these into the fields Apple provides.

Apple will ask for your name and billing address. Use the address associated with your Klarna account. After you enter this information, Apple may contact your card issuer (in this case, Klarna's payment processor) to verify the card. This verification is automatic and usually takes a few seconds.

Complete verification and set up Face ID or Touch ID

Apple requires you to verify the card before it can be used in Wallet. Klarna may send a verification code to your phone or email, or Apple may verify it automatically. Follow any prompts that appear on your screen.

Once verified, you'll be asked to authenticate with Face ID or Touch ID. This is a security requirement — you cannot add a card to Wallet without biometric authentication enabled on your device. Complete the authentication, and the card is now in your Wallet.

Use your Klarna card in Apple Wallet

To pay with your Klarna card in a store, hold your iPhone or iPad near the contactless payment reader and authenticate with Face ID or Touch ID. The transaction will process like any other Apple Pay payment, but Klarna's payment terms apply — you can still split the purchase into installments if you choose.

Online, you can select Apple Pay as your payment method at checkout, and your Klarna card will appear as an option. The same Klarna payment plans are available. Keep in mind that not all merchants accept Apple Pay, so you may still need to use Klarna's direct checkout option at some stores.

What to do if the card won't add to Wallet

If you see an error message when trying to add the card, first check that you're running the latest version of both the Klarna app and iOS. Outdated software is the most common cause of this problem. Restart your device and try again.

If the card still won't add, make sure Face ID or Touch ID is enabled in Settings under "Face ID & Passcode" or "Touch ID & Passcode." You cannot add a payment card to Wallet without one of these enabled. If you've recently changed your passcode or updated your device, you may need to re-enroll your biometric data. If problems persist, contact Klarna support through the app — they can confirm whether your account's virtual card is working correctly.

Frequently Asked Questions

Can I use my Klarna card in Apple Wallet at every store?

Only at stores that accept Apple Pay. This includes most major retailers, grocery stores, and gas stations, but not all merchants. If a store doesn't have a contactless payment reader or doesn't accept Apple Pay, you'll need to use Klarna's regular checkout method instead.

Do I still get Klarna's payment plans when I use the card in Apple Wallet?

Yes. The virtual card in Apple Wallet is still a Klarna card, so you can split purchases into installments the same way you would with a regular Klarna checkout. The payment plan terms remain the same.

What happens if I delete the card from Apple Wallet?

Deleting it from Wallet doesn't close your Klarna account or affect your virtual card in the Klarna app. You can add it back to Wallet anytime by following the same steps. Your Klarna account and payment history stay intact.

Is it safe to store my Klarna card in Apple Wallet?

Apple Wallet uses encryption and requires Face ID or Touch ID to authorize payments, so the card itself is protected. However, your security also depends on keeping your device secure and your passcode private. If your phone is lost or stolen, you can disable the card through your iCloud account or by contacting Klarna directly.

Can I add multiple Klarna cards to Apple Wallet?

If your Klarna account has more than one virtual card, you can add each one to Wallet separately. However, most Klarna accounts have only one virtual card. Check the Klarna app to see how many cards your account has access to.