What Stores Accept Klarna? (Complete 2026 List)
Klarna works at 450,000+ stores online and in-store. Here's who accepts it, which Klarna products are available where, and which stores are most useful for inventory sourcing.
Major Stores That Accept Klarna
| Store | Klarna Status | Notes |
|---|---|---|
| Walmart.com | ✓ Full (official partner) | Pay in 4 and Pay in 30. #1 Klarna destination for arbitrage. |
| Walmart in-store | ✓ Most locations | Via Klarna Card or QR code in app. Check app for store availability. |
| Best Buy | ✓ Full | In-store and online. Good for electronics clearance runs. |
| H&M | ✓ Full | Fashion — in-store and online. |
| Sephora | ✓ Full | Beauty — in-store and online. |
| Foot Locker | ✓ Full | Footwear — in-store and online. |
| Macy's | ✓ Full | Department store — in-store and online. |
| Target | ⚠ Limited | Online only or limited in-store. Use Afterpay for Target in-store. |
| TJ Maxx | ✗ None | No BNPL accepted at any TJX property. |
| Amazon | ✗ None | Amazon does not accept Klarna. |
Klarna at Walmart — Full Breakdown
Walmart is Klarna's flagship retail partnership in the US. This is the most important Klarna acceptance point for retail arbitrage sellers:
How to Use Klarna In-Store
-
1
Download the Klarna app and create a free account.
-
2
Add a debit or credit card to your Klarna wallet.
-
3
At a participating store, open the Klarna app → tap "In-Store" → generate a One-Time Card or show your Klarna Card QR code.
-
4
At checkout, scan the QR code or tap/swipe your Klarna Card.
-
5
Choose Pay in 4 — 25% charged now, 3 installments every 2 weeks.
Best Klarna Stores for Retail Arbitrage
The Klarna Pay in 30 strategy is documented in full — including the exact payment timing for Walmart sourcing runs.
Read the Klarna Pay in 30 Strategy →Frequently Asked Questions
Yes. Klarna is Walmart's official BNPL partner. Klarna Pay in 4 and Pay in 30 are available at Walmart.com and at many Walmart store locations via the Klarna app QR code or Klarna Card. For retail arbitrage sourcing, Walmart + Klarna is the primary combination.
Klarna has limited in-store acceptance at Target. For Target in-store sourcing, Afterpay is the more reliable option. Klarna may be available at Target online.
Klarna Pay in 30 is primarily available online. For in-store Klarna use, Pay in 4 is more broadly supported via the Klarna Card or QR code payment in the Klarna app.
No. Amazon does not accept Klarna as a payment method. Amazon uses its own Buy Now Pay Later products (Amazon Monthly Payments, Affirm on select items). Use Klarna at Walmart and other clearance retailers to source inventory, then sell that inventory on Amazon.
Klarna Pay in 4 charges 25% at checkout and 3 more installments every 2 weeks. Pay in 30 charges $0 at checkout with the full amount due 30 days later. For in-store sourcing, Pay in 4 is more broadly available. Pay in 30 is most useful for Walmart.com online purchases where it is fully supported.