Klarna Arrives on Google Pay: Flexible ‘Pay Later’ Payments Now Available at Checkout in the UK

Klarna, the global digital bank and flexible payments provider, is now officially available as a payment option on Google Pay in the United Kingdom, allowing millions of Android users to choose Klarna’s interest-free and instalment payment options directly at checkout. This integration — launched on 16 February 2026 — enables Google Pay users across the UK to access Klarna’s suite of flexible financing products, including interest-free “Pay in 3” instalments, without leaving the Google Pay interface.

The rollout represents a strategic expansion of Klarna’s reach within the Google payments ecosystem, giving consumers more choice and control over how they pay online and in supported Android apps. By embedding Klarna’s flexible payment mechanisms into Google Pay’s checkout flow, users can enjoy a smoother, more seamless shopping experience while retaining the benefits of Google Pay’s secure, trusted payment infrastructure. Both companies say the broader goal is to make flexible, transparent payment options widely available at point of sale — helping merchants drive conversion while giving consumers greater financial flexibility.

Key Highlights

• Klarna on Google Pay: Klarna’s flexible payment options are now integrated into Google Pay in the UK, opening up “Pay Later” options at checkout.
• Interest-free instalments: Users can select interest-free instalment plans — such as “Pay in 3” — through Google Pay where supported.
• Expanded accessibility: The integration allows Android users to complete payments with Klarna’s services without leaving the Google Pay wallet.
• Checkout convenience: Consumers benefit from a unified checkout experience combining Google Pay’s security and Klarna’s flexible payments.
• UK launch focus: The initial availability in the UK reflects Klarna and Google’s focus on expanding payment flexibility in key consumer markets.

What This Integration Means

1. Seamless Pay Later at Checkout

Until now, Klarna’s flexible payment options — including interest-free instalments and deferred financing — have typically required users to interact directly with the Klarna app or a merchant’s checkout page. With this integration, Google Pay users can now see and choose Klarna as a payment method at checkout on eligible websites and Android apps supporting Google Pay, without needing to switch apps or re-enter payment details.

This means consumers get:

• A unified payment experience
• Fewer steps during checkout
• Klarna’s payment flexibility embedded into existing Google Pay workflows

2. Benefits for Consumers and Merchants

For consumers:

• More choice: Users can decide whether to pay upfront or spread payments interest-free over time.
• Convenience: Payments are processed through Google Pay’s interface, which many consumers already use and trust.
• Transparency: Klarna’s flexible payment options are clearly displayed at checkout, helping users understand and manage payment plans.

For merchants:

• Higher conversion: Adding Klarna at checkout can reduce friction and cart abandonment by offering more ways to pay.
• Broader reach: Participating merchants can tap into both Google Pay’s user base and Klarna’s BNPL ecosystem.

Strategic Context

Klarna has been steadily broadening its presence across digital wallets and payment platforms to make flexible payments more pervasive. Earlier integrations saw Klarna added to Apple Pay and Google Pay in various markets — including the US and UK — offering users BNPL options through familiar mobile payments interfaces.

This latest move builds on a broader partnership between Klarna and Google, which also includes collaboration on commerce protocols and digital experiences that span search and checkout activation points. The companies are working together to ensure flexible payment options are available across Google’s broader shopping ecosystem — from Google Pay to Google’s shopping tools and Universal Commerce Protocol efforts.

Why It Matters

Consumer Finance Innovation

The integration highlights how Buy Now, Pay Later (BNPL) services are becoming embedded within mainstream payment infrastructures — moving from standalone options to native checkout elements inside digital wallets. This trend reflects strong consumer demand for payment flexibility, especially among younger shoppers and digital natives who prefer flexible, transparent payment choices at checkout.

Competitive Payments Landscape

As digital wallets compete for user engagement and market share, adding flexible payment providers like Klarna enhances Google Pay’s value proposition, giving it parity with other wallets that already include BNPL partners. For Klarna, the move expands its footprint and aligns with its strategic mission to be “available at every checkout, everywhere.”

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