BNPL providers are in the eye of a perfect storm, as investor and regulatory scrutiny, increasing competition, and the prospect of recession put them at risk. But it’s still early days—and we see foresee a long growth runway. Read on to learn how retailers and providers can navigate the current landscape to their maximum benefit.

In 2022, 79.0 million US consumers will use a buy now, pay later (BNPL) service.

Klarna is the most popular buy now, pay later (BNPL) service in the US, with 34.8 million users ages 14 and older. Afterpay takes the No. 2 spot with 20.0 million, and Affirm comes in third with 14.0 million.

In the US, 55.1% of Gen Z digital buyers ages 14 and older will use a buy now, pay later (BNPL) service at least once this year. That figure drops to 48.6% for millennial digital buyers and becomes progressively smaller among older generations.

On today's episode, in our "Retail Me This, Retail Me That" segment, we discuss what buy now, pay later (BNPL) means to fintechs, retailers, and consumers. Then for "Pop-Up Rankings," we rank the top four questions swirling around BNPL. Join our analyst Sara Lebow as she hosts analysts Suzy Davidkhanian and David Morris.

The solution can let PayPal tap higher-dollar-value purchases and brings its program in line with BNPL competitors.

The neobank launched its BNPL product in Ireland ahead of a wider continental rollout.

BNPL providers should prepare now for potential regulatory changes affecting credit reporting, customer creditworthiness, late fees, and more.

Top pain points for healthcare consumers include difficulty acquiring and paying cost estimates for care, per Experian. We explore how companies are investing in BNPL to meet patients’ needs.

Fiserv will let merchant clients using Carat offer Affirm to their customers as demand for BNPL intensifies.

These deals could help both firms sustain business as recession fears, higher competition, and looming BNPL regulation threaten growth.

On today's episode, we discuss why Zelle (and person-to-person payment apps) are in hot water, which service most Americans use, and how we'll be paying for things in 2026. "In Other News," we talk about the current state of the cryptocurrency crash and the impact Apple Pay Later will have on the buy now, pay later space. Tune in to the discussion with our analysts Jaime Toplin and Adriana Nunez.

The duo introduced the Fundbox Flex debit card for small small businesses and plan to add BNPL and instant disbursement through Visa Direct.

BNPL attracts users who are higher-risk and younger than the general credit-seeking population, a TransUnion study found.

U.S. Bank follows early success with BNPL updates: It’s rolling out its ExtendPay product to business customers and looks well-positioned to take market share from nonbank BNPL players.