fomo.loans / Buy Crypto with Apple Pay: Instant Deposits, Plus the Pay-Later Trick · Last verified October 5, 2026

Buy crypto with Apple Pay

Apple Pay is the fastest way onto FOMO. It's also the only way to use a Klarna or Affirm card for crypto.

Short answer: open FOMO, tap Deposit, choose Apple Pay, pick a card and confirm with Face ID. Funds are available instantly. Because Apple Pay accepts any card in your Wallet, you can use a Klarna Card or Affirm Card and split the payment in their app afterwards.

How to buy crypto with Apple Pay on FOMO

Download FOMO on iPhone with this link (referral code PAYLATER applied).
Tap Deposit, or tap any token to buy it directly.
Choose Apple Pay and enter the amount in dollars.
In the Apple Pay sheet, tap the card to choose which one to use.
Confirm with Face ID or Touch ID. Your balance updates immediately and you can buy any token across Solana, Base, Ethereum, BNB Chain and more.

Which cards work in Apple Pay for crypto

Card in Apple Wallet	Works on FOMO	Notes
Debit card	Usually	Some banks block crypto merchants. If declined, try another card.
Credit card	Depends on issuer	Many issuers block crypto or treat it as a cash advance with fees.
Klarna Card	Yes	Convert $30+ purchases to Pay in 4 in the Klarna app within 12 hours. Guide.
Affirm Card	Yes	Request a plan before or after the purchase in the Affirm app. Guide.
Apple Card	Depends	Goldman Sachs has historically blocked crypto purchases on Apple Card.
Apple Cash	No	Apple Cash isn't offered for merchant payments of this kind.

Buy crypto with Apple Pay and pay later

Apple's own Apple Pay Later was discontinued in 2024. What replaced it is third-party pay-later cards inside Apple Wallet, and two of them are general-purpose Visas: the Klarna Card and the Affirm Card. Add either to Wallet, pick it in FOMO's Apple Pay sheet, and arrange the installments in the provider's app. That's the whole trade now, pay later method. Afterpay is the exception; its card only works at partner retailers.

Which crypto exchanges accept Apple Pay?

Coinbase, Kraken and Crypto.com accept Apple Pay, but only from debit cards and only in some regions, and they reject Apple Pay from Klarna or Affirm cards. Robinhood doesn't accept Apple Pay for crypto funding. FOMO accepts Apple Pay from any card you select. If you've been declined elsewhere, see why Klarna or Affirm got declined for crypto.

Apple Pay crypto deposit not working?

Declined instantly: the card issuer blocked a crypto merchant. Switch cards in the Apple Pay sheet.
Card missing from the sheet: it isn't fully verified in Wallet, or iOS needs an update.
Amount too high: Apple Pay has no limit of its own, but your card does. Klarna and Affirm show your purchasing power in their app.
Android: Apple Pay is iPhone only. FOMO's other deposit methods are in how to deposit on FOMO.

FAQ

Can you buy crypto with Apple Pay?

Yes. FOMO accepts Apple Pay deposits from any card in your Apple Wallet, and funds are available instantly. Coinbase and Kraken accept Apple Pay from debit cards only in some regions.

Can you buy Bitcoin with Apple Pay instantly?

Yes. Deposit on FOMO with Apple Pay and the balance is available immediately to buy Bitcoin or any other token.

Can I use Apple Pay Later for crypto?

Apple Pay Later was discontinued in 2024. The replacement is pay-later cards inside Apple Wallet. The Klarna Card and Affirm Card both work for FOMO deposits and let you split the payment in their app.

Which card should I use in Apple Pay for crypto?

A debit card works if your bank allows crypto. For pay-later, use the Klarna Card or Affirm Card. Avoid regular credit cards, which often treat crypto as a cash advance.

Does Coinbase accept Apple Pay?

Coinbase accepts Apple Pay from debit cards in supported regions, but rejects Klarna and Affirm cards. FOMO accepts any card in the Apple Pay sheet.

Trade now. Pay later.

Download FOMO, get approved by Klarna or Affirm, and fund your first trade today. Referral code PAYLATER is applied through this link.