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: Regulators have criticized "multiple payment re-presentments," where lenders attempt to reauthorize failed payments multiple times, often leading to heavy bank fees for the consumer.

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As of early 2026, the BNPL sector continues to grow, though the pace has slowed compared to previous years. the BNPL sector continues to grow

: In 2025, the average BNPL debit payment reached approximately $42.45 , a 9% increase from 2024. up from 4% in 2021.

: By 2025, BNPL is projected to account for 9% of North American e-commerce purchase value, up from 4% in 2021.