Agentic commerce is continuing to blend more directly into everyday online shopping, with Klarna’s payment options now being integrated into Google’s AI app, Gemini. The move brings buy now, play later (BNPL) tools and longer-term financing into AI-assisted checkout flows, further reducing the distance between product discovery and payment.
Consumers shopping in Gemini or through Google Search will now see a Klarna option at checkout, providing access to flexible payment plans including BNPL and longer-term financing for larger purchases. Each transaction includes an affordability assessment intended to help reduce the risk of users taking more debt than they can manage.
A Convergence of Growing Markets
The collaboration builds on AI’s expanding role in e-commerce. Klarna reports that AI-referred traffic to U.S. retail sites grew by nearly 400% year-over-year in the first quarter. Bain estimates the U.S. agentic commerce market could exceed $300 billion by 2030, accounting for roughly 15% to 25% of domestic e‑commerce volume.
Klarna is positioning its BNPL offerings as part of the emerging infrastructure of AI-driven shopping. The market itself continues to grow—BNPL transactions reached an estimated $70 billion in 2025—and skews younger, with more than half of users under the age of 35.
For Google, the integration represents an opportunity to improve conversion within its merchant ecosystem. Traffic originating from AI-assisted shopping converts at higher rates than non-AI traffic. One in four U.S. consumers are more likely to complete a purchase when BNPL options are available, per Empower.
Google’s Role in the Agentic Commerce Stack
The Klarna integration is embedded within Google Pay checkout flows and Google surfaces powered by the Universal Commerce Protocol. Klarna has previously integrated within Google Pay, Google Store, Google Play, and Google Cloud, and the two companies have collaborated on generating product visuals using Google’s AI models.
Klarna also supports Google’s open-source Agent Payments Protocol (AP2), a framework designed to connect merchants, consumers, and third-party platforms in agentic commerce workflows. Google recently contributed AP2 to the FIDO Alliance, a nonprofit industry group developing standards for secure digital interactions. The move is positioned as a step toward broader industry standardization in agent-based payments, while also helping shape the early infrastructure of the space.
