Klarna is dramatically expanding its US in-store presence through a strategic partnership with Fiserv’s Clover, making its buy now, pay later (BNPL) options available at approximately 100,000 physical retail locations. The deal marks a major push by the Swedish fintech to bridge its digital payment solutions with traditional brick-and-mortar commerce.
Starting immediately, shoppers at select Clover-powered merchants will see Klarna’s payment option appear on checkout screens, with a full rollout to all Clover point-of-sale systems expected by early 2026. David Sykes, Klarna’s Chief Commercial Officer, described the move as bringing flexible payments “to Main Street,” emphasizing the company’s evolution from an e-commerce disruptor to an omnichannel payment provider.
The partnership arrives shortly after Klarna’s deal with Walmart’s OnePay and signals its aggressive US growth strategy despite recent market challenges. Earlier this month, the company paused its planned IPO due to economic volatility triggered by new US tariffs. Nevertheless, the Clover collaboration underscores Klarna’s commitment to capturing offline market share, where it will compete directly with rivals like Affirm and Afterpay.
For small businesses using Clover systems, the integration offers a way to attract younger shoppers accustomed to BNPL flexibility. The companies also plan future expansions into e-commerce and additional geographic markets.