Klarna has launched its first integration with JPMorgan Payments in the US, allowing merchants using the bank’s commerce platform to offer flexible payment options at checkout without requiring a separate integration.

The move means businesses across retail categories including apparel, travel, health and wellness can now offer Klarna’s full range of payment options through their existing JPMorgan Payments setup.

These include paying in full, interest-free instalments and longer-term financing.

The companies said the integration could help smaller merchants access flexible payment options without the resources typically required for complex payment integrations.

JPMorgan Payments is the largest merchant acquirer in the US, processing $2.6 trillion in merchant payment transactions annually.

The companies cited research showing that more than one in four Americans say they are more likely to complete a purchase when flexible payment options are available at checkout.

Klarna said the integration is now available to merchants on JPMorgan Payments’ Commerce Platform, enabling them to offer its payment options through their existing setup.

“Going live with JPMorgan Payments marks the moment this collaboration moves from ambition to impact,” said David Sykes, chief commercial officer at Klarna. “JPMorgan Payments' reach combined with Klarna's conversion power is a genuine competitive advantage, and it's now available to every merchant on their platform.”

Michael Lozanoff, global head of merchant services at JPMorgan Payments, said flexible payment options can help merchants drive conversion, but that implementation can be a barrier.

“By bringing Klarna directly onto our commerce platform, we're helping remove that barrier for businesses of every size,” he said.

Klarna has more than 119 million active users globally and processes around 3.4 million transactions per day. The company said more than one million retailers use its payment and commerce services.

In May, Klarna announced it had broken even for the first time since its $15 billion New York initial public offering (IPO).

The company posted a net income of $1 million in the first quarter of 2026, up from a $90 million loss in the same period last year. Its revenue was also up 44 per cent year-on-year, now sitting at $1 billion, while active customer numbers grew to 119 million, a 21 per cent growth from last year.

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