Klarna’s payment widget will appear alongside eligible products in Google Search and within the AI-powered Gemini shopping app, enabling users to select four-installment financing at checkout without leaving Google’s interfaces. The feature supports automatic credit checks on small purchases and displays monthly cost breakdowns directly in search listings.

The service will debut in the US, UK, Germany and Sweden, with plans to expand into additional European and North American markets later this year. Early merchant partners include major fashion and electronics retailers that have integrated Klarna’s API into their Google Merchant Center feeds.

By adding buy-now-pay-later options natively, Google aims to increase transaction conversion rates and ad monetization on its shopping surfaces, positioning itself against rival commerce platforms. The deal also diversifies Google’s payment ecosystem beyond traditional credit-card partners, potentially driving higher average order values.