: Captures 21.9% of the market . It is often used for larger purchases, offering longer-term financing with interest rates ranging from 0% to 36% .
: Used by 21.5% of shoppers . It provides a dedicated app that allows users to "shop anywhere," even at stores that don't natively offer BNPL, by using one-time virtual cards. 🏬 Major Stores Accepting BNPL buy pay later online stores
: Apps like Affirm and PayPal vary significantly in interest rates (0% to 36%) depending on your creditworthiness. : Captures 21
: New data from April 2026 shows that 41% of BNPL users have made at least one late payment in the past year, up from 34% previously. It provides a dedicated app that allows users
: The market leader, used by 68.1% of BNPL shoppers in the USA. It is widely accepted wherever PayPal is a payment option.