You can use Klarna in store at many outlets that support it and through alternative routes, you can pay even if the merchant does not have the Klarna option.
When it comes to the number of retailers that offer a buy now pay later option, Klarna is definitely one brand you can use at several locations.
It has direct support at merchants’ physical locations that have its tap-and-pay device or simply use its alternative routes to buy items at any retailer on payment plans.
Top Klarna in store merchants
You can walk into any of the stores below to use your Klarna purchasing power to shop for items:
Adidas
Retails athletic apparel, footwear, and related products.
Calvin Klein
Clothing, wristwatches, bags, and other fashion items.
H&M
Clothing, beauty products, and sportswear.
GameStop
Retails video games, consumer electronics, and gaming merchandise.
Macy’s
Department store: fashion, jewelry, homeware, bags, shoes, and others.
Sephora
Personal care and beauty products.
Polo Ralph Lauren
A fashion and personal care brand: clothing, wristwatches, bags, shoes, fragrances, and more.
Akira
Fashion store for clothing and shoes.
Bloomingdale’s
Clothing, beauty, and other fashion items as well as home products.
Top Klarna online retailers
If you want to explore your financing options online, you can try any of the below popular online stores that accept Klarna:
Abunda
Abunda allows you to buy any product on Amazon and pay with your Klarna account.
Priority Tire
Retail tires, wheels, and accessories for automobiles.
Expedia
A single spot for flight booking, hotel reservation, and vacation rentals.
Lumens
Retail furniture, home improvement goods, decor, and others.
Ticketmaster
Get tickets to popular events, live shows, and sports matches.
Wayfair
Wayfair sells furniture, electronics, and other home goods.
Etsy
A marketplace for handmade or vintage items and craft supplies.
Wish
A product deals platform where you can get items at discounted rates.
Temu
A heavily discounted marketplace for goods in several categories.
Complete list of Klarna in store merchants
Use the table below to search for any retailer where you can use your Klarna in store to buy items:
KLARNA STORE | CHANNEL | CATEGORY |
|---|---|---|
Academy Sports + Outdoor | In-store | Clothing and Fashion |
Academy Sports + Outdoor | In-store | Hobbies |
Academy Sports + Outdoor | In-store | Sports and Outdoor |
adidas | In-store | Sports and Outdoor |
Akira | In-store | Clothing and Fashion |
Beautycounter | In-store | Beauty |
Beautycounter | In-store | Women-owned |
Belstaff | In-store | Premium Brands |
Bloomingdale's | In-store | Beauty |
Bloomingdale's | In-store | Electronics |
Bloomingdale's | In-store | Home |
Bloomingdale's | In-store | Premium Brands |
Bloomingdale's | In-store | Sports and Outdoor |
Bloomingdale's | In-store | Toys and Entertainment |
Bluemercury | In-store | Beauty |
Bluemercury | In-store | Premium Brands |
Calvin Klein | In-store | Clothing and Fashion |
Capezio | In-store | Clothing and Fashion |
Capezio | In-store | Hobbies |
Coach | In-store | Premium Brands |
Columbia | In-store | Clothing and Fashion |
Columbia | In-store | Sports and Outdoor |
Creed Boutique | In-store | Beauty |
Creed Boutique | In-store | Premium Brands |
Finish Line | In-store | Sports and Outdoor |
Fito's Shoes | In-store | Clothing and Fashion |
GameStop | In-store | Electronics |
GameStop | In-store | Toys and Entertainment |
H&M | In-store | Home |
Harmon Face Values | In-store | Beauty |
Honey Birdette | In-store | Clothing and Fashion |
Jimmy Jazz | Snipes | In-store | Clothing and Fashion |
Kate Spade | In-store | Clothing and Fashion |
Kipling | In-store | Clothing and Fashion |
lululemon | In-store | Sports and Outdoor |
Macy's | In-store | Beauty |
Macy's | In-store | Electronics |
Macy's | In-store | Hobbies |
Macy's | In-store | Home |
Macy's | In-store | Sports and Outdoor |
MCM | In-store | Premium Brands |
Moose Knuckles | In-store | Clothing and Fashion |
Norrøna | In-store | Sports and Outdoor |
Perfumania | In-store | Beauty |
Polo Ralph Lauren | In-store | Clothing and Fashion |
Polo Ralph Lauren Factory Store | In-store | Clothing and Fashion |
Rainbow Shops | In-store | Clothing and Fashion |
Ralph Lauren | In-store | Premium Brands |
Sephora | In-store | Beauty |
Stadium Goods | In-store | Clothing and Fashion |
Stuart Weitzman | In-store | Clothing and Fashion |
The Fragrance Outlet | In-store | Beauty |
The North Face | In-store | Sports and Outdoor |
Under Armour | In-store | Clothing and Fashion |
Victoria's Secret | In-store | Beauty |
Victoria's Secret | In-store | Clothing and Fashion |
Woolrich | In-store | Clothing and Fashion |
Zadig & Voltaire | In-store | Clothing and Fashion |
How to use Klarna in store
If you are visiting any of the offline stores that accept Klarna, the below step is to give you an idea of how you will use it when you visit the retailer:
Request for Klarna payment option
When you are ready to make payment after adding items to your cart, you will need to request at the checkout point for the Klarna in store payment option.
This will enable the attendant to activate the service and start the validation process.
Provide your Klarna account details to the attendant
Once you have informed the attendant of your choice to use Klarna in store, you will need to give the person your account details which include any from your email and phone number.
Alternatively, you can scan the QR code at the desk to continue the payment process.
If you go with the email or phone number method, an SMS or email will be sent to you to authorize the request.
Authorize the payment and complete the purchase
The email or SMS will contain a link that once clicked, takes you to the Klarna payment interface.
If you are satisfied with the details displayed on your device, you can continue to authorize the purchase.
Once you have confirmed and submitted, the payment will be processed both at your end and the shop attendant’s end after which you can walk away with your items.
How to use Klarna in store if it is not directly accepted
Some stores do not accept Klarna for financing directly but with alternative routes, you may be able to use your shopping credit and buy any products from a choice retailer.
The below options explain smart ways you can check out at any store offline using Klarna:
Connect Klarna to Apple Pay or Google Play
You can checkout at almost all stores that accept Apple Pay or Google Pay using your Klarna purchasing power.
Before then, you will need to create a virtual card if you do not have one on your account.
Note that there are two forms of cards provided by Klarna, one is the single-use card that can be used one time and the other is the version that is reusable.
You should get the multi-use card as with this, you can connect it to your digital wallet and make payment with it when you visit any physical store that accepts Apple Pay or Google Pay without having to create a new one every time.
Get a Klarna physical card
Another way you can utilize Klarna in store is through the use of its physical card which you can request on the app if you have not.
With the card, you can make payments with EMV-accepting POS devices and other means provided the outlet accepts Visa cards.
Though these cards have a monthly maintenance cost, there is no doubt they are worth considering since you enjoy more options especially when it comes to offline payments.
Another good reason you might want to consider the card is the ability to use it when you are shopping for products on foreign merchant portals as the card allows payment as well to merchants outside the US.
Klarna in store frequently asked questions
Here are some of the frequently asked questions regarding using Klarna in store for shopping:
Is there any interest in using Klarna in store?
No, you do not pay any extra interest when you split your purchase payments using Klarna in store if the option is its bi-weekly pay-in-4 option.
Most of the pay in store offerings are usually the buy now pay later that requires you to pay back within four weeks starting from your first-day initial payment.
This has no extra interest rate charged if you complete it within your repayment calendar.
However, the long-term financing option which can go as much as six months to 36 months does have an interest rate charge that varies depending on the tenor.
Can I use the one-time card provided by Klarna in store?
The Klarna single-use card is meant to enable you to shop on retailers’ online platforms that do not support it at checkout.
While this could be something you might be interested in trying, the chances of decline are high considering that it is not being used for the purpose it is designed for.
If you want to pay with any card provided by Klarna in store, the best thing you should do is opt for its multi-usable cards and connect it to a digital wallet you can use for making payments.
Nevertheless, you can try the single-use card by adding it to Apple Pay if it works at the merchant you want to buy items from.
Is Klarna in store card a credit card?
The card is more of a debit card that connects to your purchasing power provided by Klarna hence, it is not a credit card.
A buy now pay later card is provided to enable you to shop and pay later with no interest rate, unlike a credit card that assigns a line of credit to you in which you pay interest on used funds.
Shopping and having to pay upfront can be daunting at times, especially when you have more needs to pay for.
Thankfully, many purchase financing brands now exist through which you can conveniently buy any product and pay at a later date.
With many innovative offerings, like being able to use Klarna in store, splitting payments offline is now easy as many of them provide several alternatives to enable you to enjoy their services offline just as you could when shopping online.
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