Stores that accept Klarna
Buy now, pay later. We track 50 major retailers: 10 accept Klarna, 5 with conditions.
| Store | Status | Details |
|---|---|---|
| Gap | ✓ Accepted | Accepted for gap.com ship-to-home orders (not for gift cards over $500, phone orders, store-pickup or backordered items); available in the Gap app per Gap Inc.'s September 2025 Klarna announcement. In-store: documented for online/app checkout only. |
| H&M | ✓ Accepted | Klarna offers Pay in Full, Pay Later, and Pay over time at H&M; all Klarna methods are exclusive to H&M Members. Online: options appear at checkout. In-store: Pay Later available. App: Klarna options appear in H&M app checkout (members only). |
| Macy's | ✓ Accepted | Macy's official help article documents Klarna at macys.com checkout (4 interest-free payments on $1-$1,000 bags, first charge when the order ships). Per Klarna's official partnership announcement, Pay in 4 also works in-store across Macy's brands — but only by creating a one-time-use digital card in the Klarna app and adding it to Apple or Google Wallet for contactless tap, not as a native option at Macy's registers. |
| Nike | ✓ Accepted | Klarna confirmed for nike.com online checkout only; in-store, kiosk, and in-app acceptance not confirmed. |
| Old Navy | ✓ Accepted | Accepted for ship-to-home online orders and in the Old Navy app — Old Navy was explicitly named in Gap Inc.'s September 2025 Klarna rollout (Pay in Full and Pay in 4). In-store: documented for online/app checkout only. |
| Petco | ✓ Accepted | Listed on Petco's official payment options page for online checkout. |
| Sephora | ✓ Accepted | Official BNPL FAQ: Klarna on Sephora.com, in the app, and in US stores — store use requires creating a Klarna digital card and tapping via a digital wallet. Restrictions: US eligibility, eligible merchandise, no gift cards or FLASH subscriptions, no mixed tender, $1,000 limit. |
| Staples | ✓ Accepted | Klarna (Pay Now, Pay in 4, Financing) offered on staples.com online checkout per the November 2024 joint press release. In-store: no evidence. |
| Target | ✓ Accepted | Listed as a third-party installment plan for Target.com and the Target app (alongside Affirm, Sezzle, PayPal Pay in 4, Afterpay, Zip). |
| Ulta | ✓ Accepted | Ulta's official Guest Services payment table lists Klarna as usable online but not in store. Per Klarna's official June 2026 partnership announcement, Klarna payment options (pay in full, Pay-in-4, or longer-term financing) are available at checkout on Ulta.com and through the Ulta Beauty app. |
| Home Depot | △ Conditional | Klarna's official store directory lists The Home Depot ('Shop in the Klarna app — Apple Pay — Google Pay'); use is via Klarna's app/one-time card products with eligibility assessed per purchase, not a direct Home Depot checkout integration. |
| JCPenney | △ Conditional | Klarna's official store page lists JCPenney as a supported store (1% cashback via "shop in the Klarna app"). JCPenney's own online checkout does not offer Klarna — its pay-later option is Synchrony Pay Later for fine jewelry $300+ — so Klarna works only through the Klarna app. |
| Lowe's | △ Conditional | Klarna's official store directory lists Lowe's ('Shop in the Klarna app — Apple Pay'); use is via Klarna's app/one-time card products with eligibility assessed per purchase, not a direct Lowe's checkout integration. |
| Walgreens | △ Conditional | Only via the Klarna app's one-time-use card; Klarna lists Walgreens in its shop directory. Not a direct checkout option. |
| Walmart | △ Conditional | Klarna confirmed on 2025-03-17 that it exclusively powers Walmart BNPL as 'OnePay Later' (OnePay installment loans powered by Klarna), available on Walmart.com and in Walmart stores, integrated across physical and digital channels; eligibility/approval applies and loans are managed in the OnePay app. Not a standalone Klarna checkout. |
| 7-Eleven | ? Not confirmed | No evidence of Klarna acceptance at 7-Eleven on any channel. |
| Aldi | ? Not confirmed | ALDI's official online-orders FAQ explicitly excludes Klarna for website/app delivery & curbside orders. No official documentation for Klarna in ALDI stores. |
| Amazon | ? Not confirmed | Klarna is not a listed Amazon.com checkout option; Amazon's BNPL partner is Affirm (extended through Jan 2031). |
| Best Buy | ? Not confirmed | Not listed among Best Buy's payment methods; Best Buy lists Zip and Progressive Leasing as pay-later options. |
| Burger King | ? Not confirmed | No evidence of Klarna acceptance at Burger King on any channel. |
| Chick-fil-A | ? Not confirmed | No evidence of Klarna acceptance at Chick-fil-A. |
| Chipotle | ? Not confirmed | No evidence of Klarna acceptance at Chipotle. |
| Costco | ? Not confirmed | Not listed on Costco's official payment-methods page; Costco.com's pay-over-time option is Affirm. |
| CVS | ✕ Not accepted | Not listed among accepted payment methods; no BNPL partner. |
| Dick's Sporting Goods | ✕ Not accepted | Not listed on Dick's official pages (online: confident no — Dick's BNPL partners are Affirm and Afterpay per the official promotions page). |
| Dollar General | ✕ Not accepted | Dollar General does not accept any third-party buy-now-pay-later services (Afterpay, Klarna, Zip), per reporting with no change found since. |
| Dollar Tree | ? Not confirmed | No evidence of Klarna acceptance at Dollar Tree on any channel. |
| Domino's | ? Not confirmed | No evidence of Klarna acceptance at Domino's on any channel. |
| Dunkin' | ? Not confirmed | No evidence of Klarna acceptance at Dunkin' on any channel. |
| H-E-B | ? Not confirmed | Not listed among H-E-B's documented payment methods; no official documentation found for Klarna at H-E-B. |
| Kohl's | ? Not confirmed | No Klarna partnership documented for Kohl's. |
| Kroger | ✕ Not accepted | Not a direct checkout option; a Klarna virtual card can be used indirectly as a card. |
| Marshalls | ? Not confirmed | Not listed among Marshalls' accepted payment methods on the official pages reviewed. App: N/A — Marshalls has no shopping app. |
| McDonald's | ✕ Not accepted | Not listed among accepted payment methods. |
| Meijer | ? Not confirmed | Not listed among Meijer's documented payment methods; no official documentation found for Klarna at Meijer. |
| Nordstrom | ? Not confirmed | No Klarna partnership documented for Nordstrom; Nordstrom's BNPL presence is via Afterpay. |
| PetSmart | ? Not confirmed | One third-party guide mentions Klarna for some online and in-store purchases ('check with your local store'); not confirmed by PetSmart and no official payment page found. |
| Publix | ? Not confirmed | Not a direct checkout option; a Klarna virtual card can be used indirectly as a card. |
| Ross | ? Not confirmed | Not listed among Ross's accepted payment methods on the official pages reviewed. Online/app: N/A — Ross is in-store only with no online merchandise checkout or shopping app. |
| Safeway | ? Not confirmed | Not listed in Safeway's official payment FAQ; no official documentation found for Klarna at Safeway. |
| Sam's Club | ✕ Not accepted | Not listed among accepted payment methods on the official help page. |
| Starbucks | ? Not confirmed | No evidence of Klarna acceptance at Starbucks. |
| Subway | ? Not confirmed | No evidence of Klarna acceptance at Subway on any channel. |
| Taco Bell | ? Not confirmed | Klarna lists Taco Bell in its US store directory, but the page lacks direct-checkout instructions; no evidence of native Klarna integration in-store, at kiosks, online, or in the app. |
| TJ Maxx | ? Not confirmed | No Klarna partnership documented for TJ Maxx. |
| Trader Joe's | ✕ Not accepted | Not listed among accepted payment methods; no online checkout exists to integrate BNPL. |
| Wegmans | ? Not confirmed | Not listed among Wegmans' documented payment methods; no official documentation found for Klarna at Wegmans. |
| Wendy's | ? Not confirmed | No evidence of Klarna acceptance at Wendy's on any channel. |
| Whole Foods | ? Not confirmed | Not listed in Whole Foods' official payment FAQ; no official documentation found for Klarna at Whole Foods. |
| Zara | ? Not confirmed | Klarna is not listed on Zara's official payment-methods page (online: confident no). Note: Zara.com lists a generic 'Pay in 4 installments' option whose provider is not identified. |
Last verified: September 2026.
Frequently asked questions
Which major stores accept Klarna?
Of the 50 major retailers we track, 10 accept Klarna outright and 5 more accept it with conditions. See the table above for the full list, verified September 2026.
How do I know if a specific store takes Klarna?
Search the store on DoesItTakeIt to see exactly where Klarna works: in store, at self-checkout, online, and in the retailer's app — each answer cites an official source with a last-verified date.