Is Klarna available in Ireland?

Yes. Klarna launched Pay in 3 in Ireland in November 2021 and, according to the Irish Times, works with about 6,000 Irish retailers and almost half a million Irish customers. BNPL providers in Ireland must be authorised by the Central Bank of Ireland, a requirement in place since May 2022.

Payment by installment and BNPL in Ireland

The market is small but growing. Klarna, live since November 2021, works with about 6,000 Irish retail partners, including Tesco, Ticketmaster and Vodafone, and reaches almost half a million Irish customers with an average spend of €150. humm, the Irish-regulated brand of Flexifi Europe, finances furniture, electronics and healthcare at EZ Living, Harvey Norman and DID Electrical. Revolut offers Pay Later in three instalments for a 1.65% fee to Irish residents.

How BNPL is regulated in Ireland

Ireland regulated buy now, pay later early. Since the Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Act came into force in May 2022, every BNPL provider needs Central Bank of Ireland authorisation and must follow the Consumer Protection Code, whose revised 2025 version adds rules on arrears, charges and credit. That is ahead of most of the EU, where the revised Consumer Credit Directive only applies from November 2026. Central Bank research found that more than a third of consumers see BNPL as a payment method rather than a loan, which is why the regulator watches it closely.

More detail in our #PayWorldTour guide Payment methods in Ireland.