PaymentsJournal
No Result
View All Result
SIGN UP
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
PaymentsJournal
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
No Result
View All Result
PaymentsJournal
No Result
View All Result

Klarna Expands BNPL into Lululemon’s European Stores

By Tom Nawrocki
July 24, 2026
in Analysts Coverage, Merchant
0
0
SHARES
0
VIEWS
Share on LinkedIn
barclays gohenry

Woman looking at a blue shirt in a clothing store

Having established itself as a major player in online pay-over-time company, Klarna is turning its attention to brick-and-mortar retail. The company’s buy now, pay later service is now available at Lululemon’s physical stores across Germany and the UK.

The rollout comes through Klarna’s partnership with payments platform Adyen. Customers can scan a QR code with their smartphone and complete payment through the Klarna app. They can then choose to split their purchase into three interest-free installments or defer payment for a month.

Klarna says the QR code-based process eliminates the need for a separate application form or physical card. It also requires no additional hardware, as Lululemon stores already use Adyen’s payment infrastructure.

Klarna and Lululemon have offered BNPL options through online channels for more than five years, but the companies are now looking expand beyond e-commerce. Klarna cited estimates that global annual spending in physical retail is around $28 trillion, nearly four times the size of online retail spending.

A Simpler Process

The move could represent a broader shift for the BNPL industry as providers look for ways to integrate installment payments into in-store applications. Klarna said the approach could serve as a model for other apparel retailers, especially those already processing payments through Adyen.

“The in-store payment experience with most BNPL vendors is pretty clunky, which necessitated the need to for many to issue debit card products and partner with digital wallets such as Affirm and Apple Pay to make spending a bit easier,” said Ben Danner, Senior Analyst, Debit at Javelin Strategy & Research. “The ability to pay through an app with a QR code is a great development to see from a user experience perspective. I am curious to see if Adyen and Klarna roll this out in more stores.”

Taking to the Skies

The Lululemon rollout is not Klarna’s only expansion into new sectors. Earlier this month, the company announced a partnership with Southwest Airlines that will bring flexible payment options to the airline’s checkout process later this year.

Southwest has historically taken a different approach from many major U.S. airlines, including maintaining its own distribution channels rather than listing flights on third-party sites until recently. Through the partnership, Klarna will provide payment flexibility directly during the booking process.

Travel is one category where installment options may have particular appeal given the higher costs of many purchases. More than a quarter of Americans say they would be more likely to book travel if flexible payment options were available.

0
SHARES
0
VIEWS
Share on LinkedIn
Tags: AdyenBNPLBuy Now Pay LaterKlarnalululemon

    Get the Latest News and Insights Delivered Daily

    Subscribe to the PaymentsJournal Newsletter for exclusive insight and data from Javelin Strategy & Research analysts and industry professionals.

    Must Reads

    identity theft protection services

    The Missing Piece in Banks’ Identity Protection Strategy

    July 24, 2026
    African cross-border payments

    Africa’s Payment Problem Isn’t What You Think It Is

    July 23, 2026
    remittance platform

    The Case for Not Building Your Own Remittance Stack

    July 22, 2026
    instant payments fraud, business payments

    When Faster Isn’t Better: The New Rules of Business Payments

    July 21, 2026
    Gen Z banking

    For Gen Z, Banking Loyalty Begins with Payments

    July 20, 2026
    syria visa mastercard

    Visa’s Stablecoin Platform Marks the Next Phase of Digital Payments

    July 17, 2026
    cross-border payments

    Beyond Pix: The Cross-Border Layer Latin America Is Building Next

    July 16, 2026
    digital euro

    Can the Digital Euro Be the Difference Maker the EU Needs?

    July 15, 2026

    Linkedin-in X-twitter
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter

    ©2026 PaymentsJournal.com |  Terms of Use | Privacy Policy

    • Commercial Payments
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    No Result
    View All Result