Google partners with Affirm, Klarna on BNPL for agentic commerce
Google has partnered with payment companies Affirm and Klarna to make buy now, pay later (BNPL) offerings available through the AI Mode, where consumers can have artificial intelligence (AI) agents make purchases on their behalf — a process called agentic commerce. Affirm and Klarna are rolling out their payment options in traditional Google Search as […] The post Google partners with Affirm, Klarna on BNPL for agentic commerce appeared first on Digital Commerce 360.
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Google has partnered with payment companies Affirm and Klarna to make buy now, pay later (BNPL) offerings available through the AI Mode, where consumers can have artificial intelligence (AI) agents make purchases on their behalf — a process called agentic commerce.
Affirm and Klarna are rolling out their payment options in traditional Google Search as well as AI Mode and the Gemini app. Specifically, users will be able to use Affirm or Klarna when checking out with Google Pay.
“As AI becomes a more active part of how people discover and buy, it’s critical that the payment options remain secure and reliable,” said Ashish Gupta, vice president and general manager of merchant shopping at Google, in an announcement. Gupta said Google’s work with Affirm and Klarna gives consumers “more flexibility.”
Google announced both partnerships simultaneously on May 12. Both Affirm and Klarna built their integrations to comply with the Universal Commerce Protocol (UCP). Google and Shopify co-developed the UCP as an open standard for agentic commerce that determines how agentic AI and ecommerce platforms can interact.
In 2025, 24 retailers in the Top 2000 Database used Affirm as a vendor for payment processing. However, 273 retailers in the Top 2000 accepted Affirm payments and 203 accepted Klarna. The Top 2000 Database tracks North America’s largest online retailers by their global annual ecommerce sales and more.
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