Klarna’s in-store launch at lululemon shows how buy now, pay later providers plan to crack physical retail: not through new terminals, but by plugging into payment platforms retailers already use,
Klarna says roughly $28 trillion is spent in physical stores each year, almost four times the value of global ecommerce. Its pitch for capturing more of that spend is now live at lululemon. On July 22, 2026, Klarna confirmed that its buy now, pay later service is available at checkout in lululemon stores across the UK and Germany, extending a longtime online partnership into physical retail.
Payment happens without leaving the checkout line. A shopper scans a code, then completes the purchase inside the Klarna app, with no card and no separate form to fill out at the register. Within seconds, the shopper can split the purchase into interest free installments or delay payment for up to 30 days.
What is notable is how it connects behind the counter. No new hardware was needed: lululemon already processes payments through Dutch platform Adyen, and Klarna built the service on that existing setup.
This is not a new commercial arrangement. lululemon has offered Klarna at online checkout for more than five years, and the in store rollout extends that relationship to the register. It is also a model other apparel and footwear retailers can replicate, especially those already processing payments through Adyen or comparable platforms.
About Klarna
Founded in Sweden in 2005 and listed on the New York Stock Exchange under the ticker KLAR, Klarna describes itself as a digital bank and flexible payments provider with more than 85 million active global users completing roughly 2.5 million transactions daily, and says more than 600,000 retailers integrate its services worldwide
