Buy Now Pay Later
Klarna’s Card User Base Reaches 5 Million Mark
Thursday 19th March - 3:22 pm
Payments and digital banking company Klarna says its Klarna Card now has 5 million customers. In announcing the milestone Thursday (March 19), the Swedish FinTech said this highlights rapid adoption by consumers seeking ...Klarna Sees 4 Senior Staff Departures Since January
Thursday 19th March - 1:25 pm
Klarna has lost four senior staff members since January, Bloomberg reported Thursday (March 19), citing updates in LinkedIn profiles. Andrea Ferraz Estrada, head of investor relations and M&A, who worked at ...The Future of Credit Is Clashing With Its Past
Thursday 19th March - 4:00 am
Consumer credit has so far been shaped and defined by a single product. The revolving credit card. But the revolving credit card’s fundamental architecture, built for a world where credit lines ...Klarna’s Merchant Base Jumps 47% to Pass 1 Million
Tuesday 17th March - 12:39 pm
Digital bank/pay later company Klarna says its global merchant base now exceeds 1 million. The number of merchants offering the company’s payment methods rose by 47% in the last year, the ...Merchants Face Smarter Shoppers Who Know Which Payment Button to Press
Tuesday 17th March - 4:00 am
Consumers are becoming far more deliberate about how they use Pay Later tools, assigning each payment option a specific role in managing their finances. The emerging pattern suggests that speed, ...Gen Z Turns Mobile Apps and Credit Into Financial Discipline
Wednesday 11th March - 5:21 pm
Popular commentary portrays Generation Z as financially reckless, a cohort supposedly driven by impulse purchases, social media trends and a casual approach to money. The data tells a different story. Evidence from ...The Next Battle in Credit Won’t Be for Top of Wallet
Wednesday 11th March - 7:00 am
The credit industry has spent decades competing for something consumers were never actually optimizing for. Top of wallet. Issuers built elaborate rewards architectures to win it. Travel points. Cash back ladders. Category ...BNPL Shifts to Cards and Wallets for New Growth
Wednesday 11th March - 4:00 am
Buy now, pay later has been hitting an adoption wall, and could be losing momentum with the critical Gen Z and millennial age groups. The recent holiday shopping season tells a ...eCommerce Emerges as Bright Spot Amid Overall Retail Sales Dip
Friday 6th March - 12:09 pm
Consumer spending cooled slightly in January, although strong growth in digital retail channels suggests that the broader trajectory of household consumption remains intact. Advance estimates released Friday (March 6) by the ...Splitit and Google Prepare Installment Payments for AI Shopping Agents
Thursday 5th March - 5:30 pm
Splitit aims to make flexible payment options part of agentic commerce through its support of Google’s Universal Commerce Protocol (UCP). Splitit joins Google and dozens of retail giants in supporting this ...BNPL Providers Aim to Stay in the Checkout as AI Agents Take Over Shopping
Wednesday 4th March - 1:42 pm
The checkout button may soon belong to a machine. As artificial intelligence agents move into booking travel, managing subscriptions and executing purchases on behalf of consumers, the payment layer underneath ...Affirm and Stripe Team to Combine BNPL and Agentic AI
Tuesday 3rd March - 1:41 pm
Pay later provider Affirm is expanding its partnership with payments company Stripe. The expanded collaboration is designed to support shared payment tokens (SPT), which allow AI agents to make purchases with ...As Credit Demand Accelerates, Issuers Face an Infrastructure Reset
Tuesday 3rd March - 4:00 am
Consumer credit is entering a new phase—one shaped by rising demand for flexibility, personalization and real-time control. As installment plans and hybrid repayment models become more common, issuers are seeing ...Klarna Hits 9 Million Daily Users as New Bank Features Take Hold
Thursday 26th February - 9:33 pm
Klarna said Wednesday (Feb. 25) that the number of people using its app on a daily basis rose by 53% over the past year and now stands at 9 million. The ...Sezzle GMV Surges as Super App Plans Advance
Wednesday 25th February - 10:28 pm
Sezzle is accelerating its super app plans in 2026 after seeing growing engagement with its existing offerings in 2025, the company said in a Wednesday (Feb. 25) press release. During the ...Installment Payments Come to Luxury Retail as Wealthy Buyers Feel Price Pressures
Wednesday 25th February - 2:45 pm
About a hundred years ago, so the story goes, F. Scott Fitzgerald, chronicler of the Jazz Age, turned to Ernest Hemingway and remarked, “The rich are different from you and ...New York Seeks Public Comment on Proposed BNPL Regulations
Monday 23rd February - 6:28 pm
The New York State Department of Financial Services has published and opened for comment proposed regulations for buy now, pay later (BNPL) financing options. The draft regulations for BNPL lenders were ...Klarna Expands Share of Big-Ticket Furniture Market via Article
Monday 23rd February - 11:15 am
Modern furniture brand Article now offers Klarna’s flexible payment options at checkout in the United States and Canada. With these options, Article customers can choose to pay in full, split purchases ...Klarna Converts Checkout Traffic Into $13 Billion in Deposits
Thursday 19th February - 3:21 pm
Klarna’s fourth-quarter results offer a snapshot into the appeal of paying over time. They also provide a window into the mechanics of a rapidly scaling financial network, where checkout activity, ...Klarna Hits First $1 Billion Revenue Quarter as Banking Users Double
Thursday 19th February - 11:41 amKlarna said in a fourth-quarter earnings report that it doubled its number of banking customers over the past year. During the fourth quarter, Klarna’s number of banking customers grew 101% year ...BNPL Firm Zip Shares Hit 11-Year Low on Flat Earnings Forecast
Thursday 19th February - 8:55 am
Australian buy now, pay later firm Zip says it is seeing enthusiasm from American customers. The company reported earnings Thursday (Feb. 19) that showed revenue growth of 46.4% for Zip’s U.S. business. Growth during the company’s ...Sezzle Debuts Unlimited 5G Mobile Plan to Support Super App Strategy
Wednesday 18th February - 12:09 pm
Sezzle has opened a waitlist for a mobile phone plan it will add to its all-in-one financial app. The new Sezzle Mobile plan includes unlimited 5G data, unlimited talk and text, unlimited HD streaming, Canada and Mexico roaming, ...Apple Pay Pushes Installments to In-Store Checkout
Tuesday 17th February - 4:27 pm
Apple is promoting the ability of Apple Pay to let users pay over time in stores as well as in apps and online. This capability is available with iOS 26 and ...Sezzle and David’s Bridal Tout BNPL to Ease Wedding Cost Stress
Tuesday 17th February - 1:21 pm
Sezzle and David’s Bridal teamed up with the Times Square Alliance to highlight payment solutions during a “Love in Times Square” event held on Valentine’s Day (Saturday, Feb. 14). Love in ...Airbnb Expands Pay Later Program to Properties Worldwide
Tuesday 17th February - 12:35 pm
Airbnb is expanding its “Reserve Now, Pay Later” program to properties around the globe. The vacation rental platform introduced the service last year, and announced its expansion Tuesday (Feb. 17) after ...Lowe’s Teams With Affirm to Build Up BNPL Business
Tuesday 17th February - 11:14 am
Buy now, pay later (BNPL) provider Affirm launched a partnership with home improvement retailer Lowe’s, according to a Tuesday (Feb. 17) press release. The collaboration will see Affirm offer biweekly or ...14% of Consumers Use BNPL Even After Holiday Spending Surge
Tuesday 17th February - 4:00 am
Buy now, pay later is no longer just a checkout feature. It is becoming a line item in the monthly household budget. That is the central shift identified in “The Pay ...Klarna Brings Pay Later Options to UK Google Pay Users
Monday 16th February - 12:32 pm
Klarna says its pay later options are now available on Google Pay in the U.K. With this offering, Google Pay users in the U.K. have the choice of using Klarna’s interest-free ...MSI and Mondu Team to Bring BNPL to B2B Procurement
Thursday 12th February - 2:44 pm
Computer seller MSI has formed a pay-later partnership with B2B payments company Mondu. The collaboration, announced Thursday (Feb. 12), will allow MSI to offer buy now, pay later (BNPL) solutions in its online business store. “As B2B ...UK Unveils New Affordability Checks for BNPL Customers
Tuesday 10th February - 7:01 pm
The United Kingdom’s financial watchdog announced its new protections for buy now, pay later (BNPL) users. The BNPL sector comes under the control of the Financial Conduct Authority (FCA) July 15, ...Buy Now, Pay Later Moves to Groceries, Utilities and Travel as Millennials Lead the Shift
Monday 9th February - 4:00 am
What began as a checkout convenience for sneakers and sofas is now threading its way into grocery aisles, utility bills and subscription renewals, as paying over time assumes a regular ...Virgin Media O2 Teams With Affirm on Hardware Sales
Friday 6th February - 9:37 pm
Virgin Media O2, a leading mobile provider in the United Kingdom, has partnered with flexible payment network Affirm to provide hardware financing. This collaboration will allow O2 customers to access Affirm’s pay-over-time options at checkout when purchasing mobile phones, ...QuickBooks Payments to Integrate Affirm’s Flexible Payment Options
Monday 2nd February - 11:09 am
QuickBooks will soon enable small- to medium-sized businesses (SMBs) in the United States to offer their customers flexible payment options from Affirm. The capability will result from a new multiyear partnership ...Affirm Becomes Expedia Group’s Exclusive BNPL Provider in US
Friday 30th January - 1:28 pm
Affirm is now the exclusive provider of buy now, pay later (BNPL) payment options for lodging and packages on the Expedia Group brands Expedia, Hotels.com and Vrbo in the United States. In addition, Affirm will become available to Canadian ...Debit Cards Gain BNPL Options as Banks and FinTechs Converge
Wednesday 28th January - 12:13 pm
After-purchase installment plans are moving more firmly into the center of everyday payments, reshaping how banks, FinTechs and retailers compete for the same transactions. What began as a merchant checkout feature ...Synchrony Says BNPL Boosts Sales Without Cutting Credit Card Use
Tuesday 27th January - 11:49 am
Synchrony Financial closed 2025 with fourth-quarter purchase volume of $49 billion, a company record and a 3% year-over-year increase, as spending patterns strengthened across most platforms and co-branded cards continued ...Bolt Picks Affirm to Add BNPL Options at Checkout
Tuesday 27th January - 10:35 am
Checkout and payments company Bolt is teaming with buy now pay later (BNPL) provider Affirm, according to a Tuesday (Jan. 27) press release. The collaboration makes Affirm the default BNPL provider ...Affirm Moves Into Bank Debit Cards With Fiserv Deal
Monday 26th January - 2:36 pm
Payments and financial services company Fiserv has launched a partnership with pay-over-time provider Affirm. This collaboration is designed to bring buy now, pay later (BNPL) capabilities to the debit card programs at Fiserv’s bank ...BNPL Targets Rent to Boost Flexibility and Financial Inclusion
Monday 26th January - 11:56 am
For millions of households, rent is the anchor expense that dictates everything else. PYMNTS Intelligence has estimated that housing absorbs 37% of take-home pay for consumers earning under $50,000 annually, ...Affirm Applies to Establish Industrial Loan Charter
Friday 23rd January - 11:54 am
Buy now, pay later (BNPL) provider Affirm aims to establish a bank subsidiary called Affirm Bank. Affirm submitted applications to the Nevada Financial Institutions Division and the Federal Deposit Insurance Corporation ...Affirm and Esusu to Launch Flexible Payment Option for Renters
Thursday 22nd January - 10:07 pm
Buy now, pay later (BNPL) provider Affirm has partnered with FinTech company Esusu to enable some people to pay their rent in two installments, CNBC reported Thursday (Jan. 22), citing ...BNPL Use Rises as Credit Card Balances Jump
Thursday 22nd January - 4:00 am
Household finances are increasingly shaped by credit use, as more consumers carry balances month to month rather than paying off purchases in full. According to the PYMNTS Intelligence report, “Pay Later ...Walmart’s OnePay Later and Klarna Partner for Post-Purchase BNPL
Wednesday 21st January - 1:00 pm
OnePay and Klarna have partnered to enable the users of the OnePay Cash financial services platform to convert recent purchases into fixed-term payment plans. This ability to choose after checkout to pay over time will be available for ...BNPL Becomes a Lifestyle Tool as 53% Use It for Experiences
Wednesday 21st January - 4:00 am
Americans are no longer just spreading payments over time. They are spreading risk, timing and lifestyle choices as rising costs reshape how discretionary spending actually happens. That shift is at the ...High Earners Make Card Installments a Pay-Later Power Tool
Wednesday 14th January - 4:00 am
Pay later is no longer a niche solution for cash-strapped consumers, as high earners increasingly use credit card installment plans to manage spending with precision and control. New PYMNTS Intelligence research ...What 2026 Will Make Obvious
Wednesday 14th January - 4:00 am
“For last year’s words belong to last year’s language. And next year’s words await another voice.” — T.S. Eliot When T.S. Eliot wrote those lines in 1942, he was pointing to a ...Steady Inflation and High Food Prices Push Consumers Toward Installments
Tuesday 13th January - 5:18 pm
The latest inflation data released Tuesday (Jan. 13) suggests a steady pace of inflation overall, but groceries and other essentials continue to rise faster than the headline number and influence ...Consumers Pay the Price as State Regulation Fractures FinTech Scale
Tuesday 13th January - 4:00 am
The CFPB’s decision to dial down enforcement of BNPL and other nonbank credit products hasn’t created a vacuum. It has invited fifty competing rulebooks to take its place.BNPL’s Next Act Is as Consumer Working Capital
Thursday 8th January - 4:03 am
In 2026, Buy Now, Pay Later stops being a checkout feature and becomes working capital for the modern middle class, replacing overdraft and late fees as the default way paycheck-to-paycheck ...Gr4vy’s Payment Orchestration Platform Integrates Affirm’s Flexible Payment Options
Wednesday 7th January - 11:40 am
Merchants using Gr4vy’s cloud-based payment orchestration platform can now offer Affirm’s flexible payment options to eligible customers through online and mobile channels. The offering is enabled by a partnership between the ...Credit Card Installment Use Rises 46% Since Spring 2025
Monday 5th January - 4:00 am
Pay Later has stopped being a seasonal convenience and started to look like a standing line item in how many households manage money. That is the broader takeaway from PYMNTS Intelligence’s Pay ...Credit Limit Confusion Sends Consumer Spending Packing
Tuesday 30th December - 4:00 am
Credit limits have traditionally been treated as a mechanical feature of card programs: a numeric ceiling determined by algorithms, credit scores and internal risk thresholds. But new findings from the ...Banks Take a Page From the Buy Now Pay Later Playbook
Monday 29th December - 4:00 am
On the eve of the COVID-19 pandemic, large banks were jolted by the sudden rise of a new credit alternative. That 2019, buy now, pay later option from specialized providers ...Fashion Retailer Revolve Expands Affirm’s Flexible Payment Options to Canada and UK
Tuesday 16th December - 6:01 pm
Revolve Group, a fashion retailer for millennial and Generation Z consumers, now offers Affirm’s flexible payment options to shoppers in Canada and the United Kingdom. The offering marks an expansion of ...Mastercard and LoanPro to Launch Installment Loan Cards
Tuesday 16th December - 10:29 am
Mastercard and LoanPro plan to launch a program that will enable lenders to deliver installment loans through virtual and physical cards. The Loan on Card program is set to launch in ...Credit Is Being Rewritten and Banks Are Running Out of Time, Says Thredd CEO
Tuesday 16th December - 4:00 am
Watch more: Need to Know: Thredd’s Jim McCarthy There’s new urgency for banks to innovate as consumers embrace flexible repayment options and new digital channels. What once looked like a stable structure ...Apple Pay and Klarna Extend Partnership to France and Italy
Tuesday 9th December - 9:39 am
Sweden-based flexible payments provider Klarna has extended its relationship with Apple to two new countries. The company’s pay-later products are now available for consumers checking out on Apple Pay in France and Italy, Klarna announced Tuesday (Dec. ...High-Income Households Lift Installment Adoption by 57%
Tuesday 9th December - 4:00 am
Consumers are reshaping how they use credit, and PYMNTS Intelligence data shows that installment plans are becoming a central tool for managing cash flow in both predictable and discretionary spending. The ...Socure Acquires Qlarifi in Move Toward BNPL Credit Infrastructure
Friday 5th December - 3:59 pm
Socure acquired Qlarifi to establish what it called “the industry’s first unified identity, anti-fraud and BNPL credit infrastructure.” The combination brings together Socure’s artificial intelligence-first platform for global identity, compliance and ...Klarna Takes on Credit Cards With US Subscription Plans
Thursday 4th December - 2:59 pm
Digital bank and payments firm Klarna is expanding its new membership plan to the U.S. The Sweden-based company introduced its Premium and Max plans in Europe and the U.K. in October and announced in ...Visa Helps Launch Vietnam’s First AI-Powered Pay-Later Card
Thursday 4th December - 8:26 am
Visa says it is helping launch Vietnam’s first artificial intelligence (AI)-powered pay-later card. The card is being rolled out in collaboration with Visa-owned financial transaction processing platform Pismo and neobank Circle Asia Technologies, the ...Nearly 1 in 5 Gen Z Turn to BNPL as Traditional Credit Plays a Smaller Role
Thursday 4th December - 4:00 am
Generation Z consumers are not only saving more; they’re reshaping how financial activity moves, stores and circulates online. Their behavior is challenging long-standing assumptions in banking and payments. Their habits look ...Klarna Expands BNPL Presence in Furniture Category With Cozey Partnership
Tuesday 2nd December - 6:37 pm
Direct-to-consumer furniture brand Cozey has added Klarna’s buy now, pay later (BNPL) solutions to its online stores in the United States and Canada. Cozey’s eCommerce site now enables shoppers to pay ...Klarna Launches Tap-to-Pay Offering in Europe
Tuesday 2nd December - 8:39 amDigital bank/pay-later provider Klarna is launching a new tap-to-pay feature. The new contactless payment offering is rolling out in 14 European markets, the Swedish FinTech announced in a Tuesday (Dec. 2) news release. “With more ...Attorneys General Form Multistate Coalition to Examine BNPL
Monday 1st December - 4:16 pm
State attorneys general from Connecticut and North Carolina have opened an inquiry into the U.S. buy now, pay later (BNPL) sector, putting the industry’s largest providers on notice. Led by Connecticut ...Amazon and Walmart-Owned Flipkart Make Lending Push in India
Sunday 30th November - 8:48 pm
Retail rivals Walmart and Amazon are reportedly expanding their lending footprint in India. For Amazon, that means plans to offer loans to small business owners in the world’s most populous country, ...Klarna Expands BNPL Focus to Airlines
Friday 28th November - 2:42 pm
Lufthansa Group customers in several countries can now choose Klarna’s flexible payment options when booking travel experiences. The options allow the airline group’s travelers to pay in full, pay later or ...Instant Payouts and Smarter Credit Give Payments a Thankful 2025
Wednesday 26th November - 4:19 pm
Thanksgiving invites a pause, a chance to acknowledge progress in a year that has been unpredictable for consumers and businesses. Across the payments, banking and FinTech sectors, 2025 delivered real advances ...David’s Bridal Taps Sezzle to Bring BNPL to the Wedding
Tuesday 25th November - 10:50 am
David’s Bridal has added buy now, pay later at the altar of wedding spend, rolling out Sezzle in all of its stores as couples face rising costs and tighter planning ...Synchrony CFO: Why Experience — Not Credit — Is the New Competitive Moat in Consumer Finance
Monday 24th November - 4:00 am
For Synchrony Chief Financial Officer Brian Wenzel, the story of today’s consumer isn’t about inflation, credit tightening, or macro stress signals. It’s about expectation. Throughout his Monday Conversation with PYMNTS CEO ...Klarna Forms Pre-Holiday Gift Card Pact With Blackhawk Network
Thursday 20th November - 3:14 pm
Buy now, pay later (BNPL) platform Klarna is expanding its partnership with gift card company Blackhawk Network (BHN). The new collaboration, announced in a news release Thursday (Nov. 20), is aimed ...Consumers Lose Ground in Holiday Shopping Season Even as Paycheck Stress Briefly Eases
Thursday 20th November - 4:00 am
As the annual holiday shopping ritual ramps up, consumers’ finances are less robust than they might appear. Last month, PYMNTS Intelligence surveyed more than 2,100 U.S. adult consumers for the most ...Colorado Court Ruling Puts BNPL Lending Models Under Fresh Pressure
Wednesday 19th November - 6:58 pm
Buy now, pay later (BNPL)’s rapid expansion across retail, travel, healthcare and even everyday essentials has made it one of the fastest-growing credit products in the United States, but its ...Klarna Sees Future as Neobank as Growth Accelerates
Tuesday 18th November - 12:35 pmKlarna’s third-quarter earnings update Tuesday (Nov. 18), its first earnings report as a publicly listed company, detailed a strategic transformation that seeks to push the brand beyond payments and into ...Marqeta Exec Sees Digital Wallets as ‘Gateway’ to Payments Choice
Tuesday 18th November - 4:00 am
Watch more: Digital Shift: Marqeta’s Todd Pollak According to Marqeta Chief Revenue Officer Todd Pollak, the future of payments is being built by ecosystems in which merchants and consumers drive change ...
Read More
