Klarna partners with Clover, a point-of-sale system developed by Fiserv, to scale its in-store payment network.
Klarna, a Buy Now, Pay Later (BNPL) and e-commerce solutions provider, has announced its new partnership with Fiserv’s Clover, positioned as the world’s smartest point-of-sale system, to automatically integrate Klarna’s flexible payment solutions into retail and service businesses throughout the U.S.
Through this collaboration, customers will be able to use Klarna as a payment option directly on Clover devices for in-store transactions. Shoppers will see a Klarna logo on the pre-screen of payment devices at select Clover-powered merchants.
The initial rollout aims to include more than 100,000 merchant locations. Even larger expansion to new and existing Clover merchants is scheduled for early 2026. The partners also want to expand their cooperation to include e-commerce payments and reach new locations in the future.
The collaboration is an important part of Klarna’s ongoing efforts to expand past online experiences and meet customers where they shop daily – at local small business stores.
Clover’s all-in-one solution predominantly targets SMBs, particularly those in the retail and hospitality sectors. It streamlines operations, enhances efficiency and helps businesses grow. Via a single interface, Clover helps merchants to accept credit/debit cards, mobile wallets, and contactless payments via several personalised POS hardware tools (Clover Flex, Clover Mini, Clover Station, Clover Compact, and Flex Pocket) that are designed to fit different business needs.
Beyond payment processing, Clover offers integrated business management features enabling merchants to track sales, manage inventory, process orders, and handle internal processes such as employee scheduling.
With the addition of Klarna’s flexible payment methods, from immediate debit payments to interest-free installment options, merchants using Clover solutions might boost their sales and attract more varied categories of customers.
It is estimated that e-commerce businesses offering an alternative lending option of BNPL see a staggering average 27% increase in sales volumes. The demand for BNPL solutions has been rising across all age groups lately. Besides, recent studies indicate that Buy Now, Pay Later services are increasingly utilised for small-ticket everyday purchases, boosting both the frequency and amount of consumer spending across various product categories.
