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Apple Announces New Klarna and PayPal Integrations for Apple Pay on iOS 18

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In June, Apple discontinued its "buy now, pay later" service called Apple Pay Later, which let qualifying customers split a purchase made with Apple Pay into four equal payments over six weeks, with no interest or fees. Instead, Apple said customers in the U.S. would be able to apply for loans from select other "buy now, pay later" services when they check out with Apple Pay on the web and in apps on iOS 18 and iPadOS 18.

Apple Pay Klarna
Affirm payment plans have been available through Apple Pay since last month, and competing service Klarna announced that it is integrating with Apple Pay in the U.S. and the U.K. starting today, and in Canada in the coming months.

iOS 18 and iPadOS 18 users can select "Other Cards & Pay Later Options" when checking out with Apple Pay to access payment plans available from Klarna and Affirm. For example, Klarna offers an interest-free "Pay in 4" payment plan for purchases totaling between $35 and $2,000, which is similar to what Apple Pay Later offered.

Apple also announced an upcoming integration with PayPal.

Starting next year, customers in the U.S. will be able to see their PayPal balance when using their PayPal debit card in the Wallet app on the iPhone, according to Apple.

Related Roundup: Apple Pay
Related Forums: Apple Music, Apple Pay/Card, iCloud, Fitness+, iOS 18, iPadOS 18

Top Rated Comments

jooish Avatar
jooish
19 months ago
Reminder: PayPal is a terrible company. There are countless stories of them freezing user funds for things that aren't illegal. There's practically no reason to use them anymore. Also, buy now and pay later services can be predatory... even if it's 0% interest (it isn't).
Score: 10 Votes (Like | Disagree)
Will Tisdale 🎗 Avatar
Will Tisdale 🎗
19 months ago
Avoid Klarna like the plague. I made the mistake of using them once.

As soon as they get your email address they pester you to death with payment reminders (even if it’s all done automatically), direct debit amount reminders, reminders that you have a zero balance, reminders that you have nothing to pay this month and all sorts of other annoying crap.

And they won’t let you opt out of them as they state they are essential (which they aren’t).
Score: 7 Votes (Like | Disagree)
2
2540497
19 months ago
If you live in the UK NEVER USE KLARNA.

You wave goodbye to your chargeback and section 75 rights.
Score: 5 Votes (Like | Disagree)
D
d686546s
19 months ago

Reminder: PayPal is a terrible company. There are countless stories of them freezing user funds for things that aren't illegal. There's practically no reason to use them anymore. Also, buy now and pay later services can be predatory... even if it's 0% interest (it isn't).
That may be the case if you're receiving a lot of money on PayPal, but as a payment service that shouldn't be an issue.

I prefer to use ApplePay, but not everyone offers it and I then often prefer to use PayPal rather than handing out my debit/credit card information on the internet.
Score: 3 Votes (Like | Disagree)
Mrkevinfinnerty Avatar
Mrkevinfinnerty
19 months ago

Good to know. If this also the same for Paypal ?
If you pay with your Paypal balance they you definitely aren't covered. If Paypal is used as the processor by the merchant you might be covered in some circumstances but it's a grey area and you are better off paying with a credit card if you can for anything over £100
Score: 2 Votes (Like | Disagree)
ProbablyDylan Avatar
ProbablyDylan
19 months ago
This is annoying because I liked Apple Pay Later when Apple was providing the service. Meanwhile I don't trust PayPal or Klarna as far as I could throw them.
Score: 2 Votes (Like | Disagree)
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