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Flexibility, Even After You've Paid: OnePay Introduces Swipe to Finance, Powered by Klarna

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Swipe to Finance will launch in the coming months, enabling customers to pay over time even after checkout, directly in the OnePay app NEW YORK, Jan. 20, 2026 /PRNewswire/ -- Sometimes the timing is wrong, not the

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AI Summary

Klarna's partnership with OnePay introduces the Swipe to Finance feature, allowing customers to convert recent purchases into fixed payment plans. This development enhances Klarna’s service offerings in flexible payment solutions, likely driving user engagement and revenue growth in the upcoming months.

Sentiment Rationale

The introduction of Swipe to Finance targets a growing consumer preference for flexible payments, which could increase transaction volumes for Klarna. Similar initiatives in the past have augmented user engagement and revenues for fintech companies, hinting at potential growth for KLAR.

Trading Thesis

Consider buying KLAR as the new feature should bolster customer usage and revenue in the near term.

Market-Moving

  • Swipe to Finance launch could significantly attract new customers to OnePay.
  • Increasing adoption of flexible payment methods may raise Klarna’s transaction volumes.
  • Future features and offerings are expected to enhance Klarna's service differentiation.
  • Positive consumer response could lead to higher valuation for KLAR.

Key Facts

  • Klarna supports OnePay's new Swipe to Finance payment option.
  • Customers can convert purchases into payment plans post-checkout.
  • New feature launches in coming months for eligible customers.
  • It enhances Klarna's offering in the flexible payment space.
  • Additional features for OnePay are expected later in 2026.

Companies Mentioned

  • OnePay (Not Publicly Traded): OnePay partners with Klarna to enhance its payment flexibility.

Corporate Developments

This news falls under 'Corporate Developments', as it reflects an important partnership expansion and new product launch that could reshape customer engagement and revenue prospects for both Klarna and OnePay in the competitive fintech landscape.

Swipe to Finance will launch in the coming months, enabling customers to pay over time even after checkout, directly in the OnePay app

NEW YORK, Jan. 20, 2026 /PRNewswire/ -- Sometimes the timing is wrong, not the purchase.

Today, OnePay, the consumer fintech trusted by millions of Americans to make money better, and Klarna, the global digital bank and flexible payments provider, announced Swipe to Finance, a new OnePay Later option that gives OnePay Cash customers the ability to pay over time after checkout.

The feature, which will be powered by Klarna and launch in the coming months, will allow eligible OnePay Cash customers to convert recent purchases into fixed-term payment plans directly within the OnePay app. The offering will be available for eligible debit transactions.

"Not every purchase comes at the right time," said Thomas Hoare, Chief Commercial Officer at OnePay. "Customers want and deserve financial flexibility when they need it most, which is why we're excited to offer new ways for them to pay over time and do it simply, transparently, and all in the OnePay app."

"Post-purchase payments are becoming a core part of how people manage money," said David Sykes, Chief Commercial Officer at Klarna. "With Swipe to Finance powered by Klarna, we're giving customers a simple, transparent way to take control of payments after the fact, directly in the OnePay app. It's another step in expanding smarter payment options and meeting consumers wherever they choose to pay."

Swipe to Finance represents the next phase of a broader roadmap OnePay and Klarna are building together to bring simple, transparent payment options for consumers, following the installment-loan partnership announced in March 2025. Additional products and features are planned for later this year that expand OnePay's types of flexible payment options and can reach new customers.

About OnePay

OnePay is an all-in-one financial services platform built on the simple belief that better money makes life better. With banking, high-yield savings, credit cards, point-of-sale lending, investment and crypto offerings, OnePay is providing millions of consumers with the tools they need to holistically manage their financial lives in one place. Alongside its expanding consumer offering, OnePay also partners with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

OnePay is a financial technology company, not a bank. Loans through OneProgress Services LLC (NMLS ID 2460509) and banking services through OnePay are provided by Coastal Community Bank or Lead Bank, Members FDIC. OnePay debit and credit cards are issued by partner banks pursuant to licensing by MastercardⓇ International. To learn more about OnePay, please visit www.onepay.com.

About Klarna

Klarna is a global digital bank and flexible payments provider. With over 114 million global active Klarna users and 3.4 million transactions per day, Klarna's AI-powered payments and commerce network is empowering people to pay smarter with a mission to be available everywhere for everything. Consumers can pay with Klarna online, in-store and through Apple Pay & Google Pay. More than 850,000 retailers trust Klarna's innovative solutions to drive growth and loyalty, including Uber, H&M, Saks, Sephora, Macy's, Ikea, Expedia Group, Nike and Airbnb. Klarna is listed on the New York Stock Exchange (NYSE:KLAR). For more information, visit Klarna.com.

Media contact:

press@onepay.com

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SOURCE OnePay

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