Swedish firm Klarna has partnered with Dutch fintech Adyen to expand its buy now, pay later services to physical retail stores. The agreement will allow Klarna’s BNPL option to be integrated into over Adyen's payment terminals in Europe, North America, and Australia. The partnership aims to extend Klarna's reach beyond e-commerce, enabling in-store shoppers to make interest-free payments in installments. Klarna is also exploring an IPO, with no fixed timeline for going public.