Klarna heads to Fiserv's enterprise Commerce Hub after going live at 100,000 US Clover locations

Klarna and Fiserv announced on 19 October 2026 that Klarna's payment options will be offered on Commerce Hub, the processor's commerce platform for enterprise merchants. It is the first time Klarna has been available on that platform. Fiserv says merchants using it in the United States, Canada, the United Kingdom and some European markets will be able to offer Klarna both online and in physical stores. The announcement follows Klarna going live the same week at 100,000 in-store locations in the US through Clover, Fiserv's point-of-sale system for small businesses. The two moves together cover Fiserv's merchant base at both ends: smaller businesses on Clover terminals, and larger retailers who run their acceptance through Commerce Hub. Shoppers can pay in full straight away, pay within 30 days, or split a purchase into interest-free instalments. Klarna says it makes a fresh credit decision on every transaction. The release does not give a date for when Commerce Hub merchants can switch the option on, and it does not name which European countries are included. For online merchants the significance is distribution. Pay-later options usually arrive through a direct contract with the provider or through a gateway or orchestration layer. A large acquirer adding Klarna to its own enterprise stack means merchants already processing with Fiserv may be able to add it through their existing relationship, with one integration covering web checkout and store terminals. It also adds to the competition between pay-later providers for placement at the point of sale ahead of the holiday season.