Google Pay has officially integrated Klarna into its buy now, pay later (BNPL) offerings in the U.S., bringing more flexibility for Android users making larger purchases. This new addition allows users to split eligible transactions over $35 into four interest-free payments or choose long-term financing options for pricier items. 
Klarna’s financing terms, starting at 0% APR, are based on the user’s credit profile and the merchant.
The integration is now live, enabling existing Klarna users to link their accounts to Google Pay, while newcomers can easily sign up directly through the Google Pay app. Once linked, Klarna becomes an option during checkout for users to choose as their BNPL provider, with all transactions manageable via Google Wallet.
With Klarna’s addition, Google Pay’s BNPL ecosystem expands, joining Affirm, Zip, and Afterpay. This development comes as Klarna continues to diversify its services beyond payments. In a surprising move, Klarna recently ventured into the U.S. mobile carrier market, offering a $40/month unlimited 5G plan that runs on AT&T’s network. This mobile service includes benefits like no activation or cancellation fees, eSIM support, and is fully managed through the Klarna app.
The new 5G plan is part of Klarna’s strategy to broaden its digital services platform, aiming to modernize and streamline traditionally cumbersome industries. Klarna’s mobile service is powered by Gigs’ mobile infrastructure and plans to expand into international markets like the UK and Germany. With more than 25 million active U.S. users, Klarna is strategically positioned to cross-sell across both payment and mobile services. This integration of Google Pay and the mobile service solidifies Klarna’s vision of becoming a one-stop shop for everything from payments to telecommunications.