Buy Now Pay Later - Global Strategic Business Report

The global market for Buy Now Pay Later was estimated at US$8.9 Billion in 2024 and is projected to reach US$31.4 Billion by 2030, growing at a CAGR of 23.5% from 2024 to 2030. This comprehensive report provides an in-depth analysis of market trends, drivers, and forecasts, helping you make informed business decisions. The report includes the most recent global tariff developments and how they impact the Buy Now Pay Later market.

Global Buy Now Pay Later Market - Key Trends & Drivers Summarized

Why Is Buy Now Pay Later Disrupting the Traditional Payment Industry?

The rise of Buy Now Pay Later (BNPL) services has fundamentally changed consumer purchasing behavior, offering a flexible and interest-free alternative to credit cards and traditional financing. As the digital economy expands, consumers - particularly younger demographics - are gravitating toward BNPL solutions due to their transparency, ease of use, and budget-friendly payment structures. The convenience of breaking purchases into smaller installments without incurring interest has made BNPL a preferred payment option, especially among Millennials and Gen Z shoppers who are wary of accumulating credit card debt. Additionally, the surge in e-commerce and digital payments has propelled BNPL adoption, as retailers and online merchants seek to enhance customer purchasing power and conversion rates. Major BNPL providers such as Klarna, Afterpay, and Affirm have capitalized on this shift, forming partnerships with leading e-commerce platforms, retail chains, and service providers to integrate BNPL as a mainstream payment method. As financial inclusion and digital payment accessibility improve globally, the BNPL market is poised to witness exponential growth, reshaping how consumers approach spending and financial management.

How Are Technological Advancements Powering BNPL Services?

The BNPL sector is experiencing rapid transformation driven by innovations in artificial intelligence (AI), machine learning (ML), and big data analytics. Advanced AI algorithms are being leveraged to assess consumer creditworthiness in real time, enabling BNPL providers to offer instant approvals with minimal friction. Unlike traditional lenders that rely on extensive credit history checks, BNPL platforms use alternative data sources - such as spending patterns, online activity, and transaction behavior - to determine risk and offer tailored credit limits. Additionally, the integration of BNPL services with digital wallets and mobile banking applications is enhancing the user experience, allowing consumers to manage their installment payments seamlessly through a single interface. Blockchain technology is also emerging as a potential game-changer in the BNPL space, promising increased transparency, security, and decentralized credit assessment mechanisms. With the proliferation of fintech startups and strategic collaborations between financial institutions and BNPL firms, the sector is set to undergo further technological advancements, optimizing lending models and expanding consumer accessibility across global markets.

Which Industries Are Driving the Expansion of BNPL?

While BNPL initially gained traction in the e-commerce and retail sectors, its adoption is rapidly expanding across diverse industries, including travel, healthcare, education, and automotive. In the retail landscape, fashion, electronics, and luxury goods segments are witnessing significant BNPL integration, as consumers leverage installment plans to afford higher-value purchases. The travel and hospitality sector is also seeing an uptick in BNPL usage, allowing travelers to book flights, hotels, and vacation packages while deferring payments over time. Healthcare financing through BNPL is becoming a major trend, offering patients flexible payment options for medical treatments, dental procedures, and wellness services. Additionally, the education sector is incorporating BNPL models for tuition payments, online courses, and professional certifications, providing students and professionals with more accessible learning opportunities. The automotive industry is also tapping into BNPL solutions, enabling consumers to finance vehicle repairs, aftermarket modifications, and insurance premiums through installment-based transactions. As more industries recognize the benefits of BNPL in driving customer acquisition and increasing transaction volumes, its adoption is expected to accelerate across both online and offline channels.

What Factors Are Fueling Market Growth?

The growth in the Buy Now Pay Later market is driven by several factors, including the rapid expansion of digital commerce, evolving consumer credit preferences, and fintech-driven payment innovations. The rise of e-commerce giants and direct-to-consumer (DTC) brands has accelerated BNPL integration, making flexible financing a core component of the online shopping experience. The shifting mindset of younger consumers - who prefer transparency and convenience over traditional credit models - is further reinforcing BNPL adoption. Regulatory frameworks surrounding BNPL are also evolving, with governments and financial watchdogs implementing guidelines to ensure responsible lending practices, fraud prevention, and consumer protection. The global surge in smartphone penetration and mobile-first payment ecosystems is another key driver, enabling seamless BNPL adoption across emerging markets. Moreover, partnerships between BNPL providers and major financial institutions are fostering new product innovations, such as hybrid BNPL-credit card models and embedded financing solutions. As the financial landscape continues to evolve, BNPL is expected to play an increasingly dominant role in shaping the future of digital payments, consumer credit accessibility, and retail financing strategies.

Scope of Study:

The report analyzes the Buy Now Pay Later market in terms of units by the following Segments, and Geographic Regions/Countries:

Segments: Channel (Online Channel, POS Channel); Enterprise Size (Large Enterprises, Small and Medium Enterprises); End-Use (Retail End-Use, Healthcare End-Use, Leisure and Entertainment End-Use, Automotive End-Use, Other End-Uses)
Geographic Regions/Countries: World; United States; Canada; Japan; China; Europe (France; Germany; Italy; United Kingdom; Spain; Russia; and Rest of Europe); Asia-Pacific (Australia; India; South Korea; and Rest of Asia-Pacific); Latin America (Argentina; Brazil; Mexico; and Rest of Latin America); Middle East (Iran; Israel; Saudi Arabia; United Arab Emirates; and Rest of Middle East); and Africa.

Key Insights:

Market Growth: Understand the significant growth trajectory of the Online Channel segment, which is expected to reach US$19.9 Billion by 2030 with a CAGR of a 28.3%. The POS Channel segment is also set to grow at 17.3% CAGR over the analysis period.
Regional Analysis: Gain insights into the U.S. market, estimated at $2.4 Billion in 2024, and China, forecasted to grow at an impressive 32.0% CAGR to reach $7.9 Billion by 2030. Discover growth trends in other key regions, including Japan, Canada, Germany, and the Asia-Pacific.

Why You Should Buy This Report:

Detailed Market Analysis: Access a thorough analysis of the Global Buy Now Pay Later Market, covering all major geographic regions and market segments.
Competitive Insights: Get an overview of the competitive landscape, including the market presence of major players across different geographies.
Future Trends and Drivers: Understand the key trends and drivers shaping the future of the Global Buy Now Pay Later Market.
Actionable Insights: Benefit from actionable insights that can help you identify new revenue opportunities and make strategic business decisions.

Key Questions Answered:

How is the Global Buy Now Pay Later Market expected to evolve by 2030?
What are the main drivers and restraints affecting the market?
Which market segments will grow the most over the forecast period?
How will market shares for different regions and segments change by 2030?
Who are the leading players in the market, and what are their prospects?

Report Features:

Comprehensive Market Data: Independent analysis of annual sales and market forecasts in US$ Million from 2024 to 2030.
In-Depth Regional Analysis: Detailed insights into key markets, including the U.S., China, Japan, Canada, Europe, Asia-Pacific, Latin America, Middle East, and Africa.
Company Profiles: Coverage of players such as Affirm Holdings Inc., Afterpay Australia Pty Ltd., Atome, Axio, Billie GmbH and more.
Complimentary Updates: Receive free report updates for one year to keep you informed of the latest market developments.

Some of the 42 companies featured in this Buy Now Pay Later market report include:

Affirm Holdings Inc.
Afterpay Australia Pty Ltd.
Atome
Axio
Billie GmbH
Hokodo Services Limited
PayPal Holdings, Inc.
Sezzle
Splitit USA Inc.
Tabby FZ-LLC
ViaBill
Zip Co. Ltd.

This edition integrates the latest global trade and economic shifts as of June 2025 into comprehensive market analysis. Key updates include:

Tariff and Trade Impact: Insights into global tariff negotiations across 180+ countries, with analysis of supply chain turbulence, sourcing disruptions, and geographic realignment. Special focus on 2025 as a pivotal year for trade tensions, including updated perspectives on the Trump-era tariffs.
Adjusted Forecasts and Analytics: Revised global and regional market forecasts through 2030, incorporating tariff effects, economic uncertainty, and structural changes in globalization. Includes segmentation by product, technology, type, material, distribution channel, application, and end-use, with historical analysis since 2015.
Strategic Market Dynamics: Evaluation of revised market prospects, regional outlooks, and key economic indicators such as population and urbanization trends.
Innovation & Technology Trends: Latest developments in product and process innovation, emerging technologies, and key industry drivers shaping the competitive landscape.
Competitive Intelligence: Updated global market share estimates for 2025, competitive positioning of major players (Strong/Active/Niche/Trivial), and refined focus on leading global brands and core players.
Expert Insight & Commentary: Strategic analysis from economists, trade experts, and domain specialists to contextualize market shifts and identify emerging opportunities.
Complimentary Update: Buyers receive a free July 2025 update with finalized tariff impacts, new trade agreement effects, revised projections, and expanded country-level coverage.

I. METHODOLOGYII. EXECUTIVE SUMMARY

1. MARKET OVERVIEW

Influencer Market Insights
Tariff Impact on Global Supply Chain Patterns
Buy Now Pay Later - Global Key Competitors Percentage Market Share in 2025 (E)
Competitive Market Presence - Strong/Active/Niche/Trivial for Players Worldwide in 2025 (E)

2. FOCUS ON SELECT PLAYERS

3. MARKET TRENDS & DRIVERS

Rising Consumer Demand for Flexible Payment Solutions Propels Adoption of BNPL Services
Growth in E-Commerce and Mobile Shopping Drives Market Expansion for BNPL Platforms
Technological Integration with Online Checkout Systems Strengthens User Experience and Transaction Volume
Millennial and Gen Z Preference for Short-Term Credit Drives Market Penetration of BNPL Solutions
Regulatory Scrutiny and Consumer Protection Initiatives Throw Spotlight on Responsible Lending Practices
Credit Risk Management and AI-Driven Underwriting Enhance Efficiency and Reduce Default Rates
Cross-Border Expansion and Localization Strategies Sustain Growth in Global BNPL Adoption
Innovation in In-Store and Offline BNPL Solutions Expands Use Cases Beyond E-Commerce
Increased Competition from Traditional Financial Institutions Spurs Innovation in BNPL Business Models
Challenges in Late Payments and Fraud Drive Demand for Enhanced Security and Risk Controls
Data Analytics and Consumer Behavior Insights Generate Value-Added Services for Merchants
Integration of BNPL with Digital Wallets and Super Apps Expands Consumer Ecosystem Engagement
Expansion into B2B and High-Ticket BNPL Segments Creates New Revenue Streams
Rising Market Consolidation and M&A Activity Strengthen Competitive Positioning of Leading Players

4. GLOBAL MARKET PERSPECTIVE

TABLE 1: World Buy Now Pay Later Market Analysis of Annual Sales in US$ Million for Years 2015 through 2030
TABLE 2: World Recent Past, Current & Future Analysis for Buy Now Pay Later by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 3: World 6-Year Perspective for Buy Now Pay Later by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets for Years 2025 & 2030
TABLE 4: World Recent Past, Current & Future Analysis for Online Channel by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 5: World 6-Year Perspective for Online Channel by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030
TABLE 6: World Recent Past, Current & Future Analysis for POS Channel by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 7: World 6-Year Perspective for POS Channel by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030
TABLE 8: World Recent Past, Current & Future Analysis for Large Enterprises by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 9: World 6-Year Perspective for Large Enterprises by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030
TABLE 10: World Recent Past, Current & Future Analysis for Small & Medium Enterprises by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 11: World 6-Year Perspective for Small & Medium Enterprises by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030
TABLE 12: World Recent Past, Current & Future Analysis for Retail End-Use by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 13: World 6-Year Perspective for Retail End-Use by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030
TABLE 14: World Recent Past, Current & Future Analysis for Healthcare End-Use by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 15: World 6-Year Perspective for Healthcare End-Use by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030
TABLE 16: World Recent Past, Current & Future Analysis for Leisure & Entertainment End-Use by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 17: World 6-Year Perspective for Leisure & Entertainment End-Use by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030
TABLE 18: World Recent Past, Current & Future Analysis for Automotive End-Use by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 19: World 6-Year Perspective for Automotive End-Use by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030
TABLE 20: World Recent Past, Current & Future Analysis for Other End-Uses by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 21: World 6-Year Perspective for Other End-Uses by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific, Latin America, Middle East and Africa for Years 2025 & 2030

III. MARKET ANALYSIS

UNITED STATES
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in the United States for 2025 (E)
TABLE 22: USA Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 23: USA 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 24: USA Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 25: USA 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 26: USA Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 27: USA 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
CANADA
TABLE 28: Canada Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 29: Canada 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 30: Canada Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 31: Canada 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 32: Canada Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 33: Canada 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
JAPAN
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Japan for 2025 (E)
TABLE 34: Japan Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 35: Japan 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 36: Japan Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 37: Japan 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 38: Japan Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 39: Japan 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
CHINA
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in China for 2025 (E)
TABLE 40: China Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 41: China 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 42: China Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 43: China 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 44: China Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 45: China 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
EUROPE
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Europe for 2025 (E)
TABLE 46: Europe Recent Past, Current & Future Analysis for Buy Now Pay Later by Geographic Region - France, Germany, Italy, UK, Spain, Russia and Rest of Europe Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 47: Europe 6-Year Perspective for Buy Now Pay Later by Geographic Region - Percentage Breakdown of Value Sales for France, Germany, Italy, UK, Spain, Russia and Rest of Europe Markets for Years 2025 & 2030
TABLE 48: Europe Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 49: Europe 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 50: Europe Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 51: Europe 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 52: Europe Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 53: Europe 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
FRANCE
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in France for 2025 (E)
TABLE 54: France Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 55: France 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 56: France Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 57: France 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 58: France Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 59: France 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
GERMANY
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Germany for 2025 (E)
TABLE 60: Germany Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 61: Germany 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 62: Germany Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 63: Germany 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 64: Germany Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 65: Germany 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
ITALY
TABLE 66: Italy Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 67: Italy 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 68: Italy Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 69: Italy 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 70: Italy Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 71: Italy 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
UNITED KINGDOM
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in the United Kingdom for 2025 (E)
TABLE 72: UK Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 73: UK 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 74: UK Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 75: UK 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 76: UK Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 77: UK 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
SPAIN
TABLE 78: Spain Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 79: Spain 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 80: Spain Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 81: Spain 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 82: Spain Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 83: Spain 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
RUSSIA
TABLE 84: Russia Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 85: Russia 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 86: Russia Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 87: Russia 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 88: Russia Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 89: Russia 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
REST OF EUROPE
TABLE 90: Rest of Europe Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 91: Rest of Europe 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 92: Rest of Europe Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 93: Rest of Europe 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 94: Rest of Europe Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 95: Rest of Europe 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
ASIA-PACIFIC
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Asia-Pacific for 2025 (E)
TABLE 96: Asia-Pacific Recent Past, Current & Future Analysis for Buy Now Pay Later by Geographic Region - Australia, India, South Korea and Rest of Asia-Pacific Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
TABLE 97: Asia-Pacific 6-Year Perspective for Buy Now Pay Later by Geographic Region - Percentage Breakdown of Value Sales for Australia, India, South Korea and Rest of Asia-Pacific Markets for Years 2025 & 2030
TABLE 98: Asia-Pacific Recent Past, Current & Future Analysis for Buy Now Pay Later by Channel - Online Channel and POS Channel - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 99: Asia-Pacific 6-Year Perspective for Buy Now Pay Later by Channel - Percentage Breakdown of Value Sales for Online Channel and POS Channel for the Years 2025 & 2030
TABLE 100: Asia-Pacific Recent Past, Current & Future Analysis for Buy Now Pay Later by Enterprise Size - Large Enterprises and Small & Medium Enterprises - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 101: Asia-Pacific 6-Year Perspective for Buy Now Pay Later by Enterprise Size - Percentage Breakdown of Value Sales for Large Enterprises and Small & Medium Enterprises for the Years 2025 & 2030
TABLE 102: Asia-Pacific Recent Past, Current & Future Analysis for Buy Now Pay Later by End-Use - Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
TABLE 103: Asia-Pacific 6-Year Perspective for Buy Now Pay Later by End-Use - Percentage Breakdown of Value Sales for Retail End-Use, Healthcare End-Use, Leisure & Entertainment End-Use, Automotive End-Use and Other End-Uses for the Years 2025 & 2030
AUSTRALIA
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Australia for 2025 (E)
INDIA
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in India for 2025 (E)
SOUTH KOREA
REST OF ASIA-PACIFIC
LATIN AMERICA
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Latin America for 2025 (E)
ARGENTINA
BRAZIL
MEXICO
REST OF LATIN AMERICA
MIDDLE EAST
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Middle East for 2025 (E)
IRAN
ISRAEL
SAUDI ARABIA
UNITED ARAB EMIRATES
REST OF MIDDLE EAST
AFRICA
Buy Now Pay Later Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Africa for 2025 (E)
IV. COMPETITION

Companies Mentioned (Partial List)

A selection of companies mentioned in this report includes, but is not limited to:

Affirm Holdings Inc.
Afterpay Australia Pty Ltd.
Atome
Axio
Billie GmbH
Hokodo Services Limited
PayPal Holdings, Inc.
Sezzle
Splitit USA Inc.
Tabby FZ-LLC
ViaBill
Zip Co. Ltd.

Table Information

Report Attribute	Details
No. of Pages	274
Published	June 2025
Forecast Period	2024 - 2030
Estimated Market Value ( USD ) in 2024	$ 8.9 Billion
Forecasted Market Value ( USD ) by 2030	$ 31.4 Billion
Compound Annual Growth Rate	23.5%
Regions Covered	Global

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Global Buy Now Pay Later Market - Key Trends & Drivers Summarized

Why Is Buy Now Pay Later Disrupting the Traditional Payment Industry?

How Are Technological Advancements Powering BNPL Services?

Which Industries Are Driving the Expansion of BNPL?

What Factors Are Fueling Market Growth?

Scope of Study:

Key Insights:

Why You Should Buy This Report:

Key Questions Answered:

Report Features:

Some of the 42 companies featured in this Buy Now Pay Later market report include:

This edition integrates the latest global trade and economic shifts as of June 2025 into comprehensive market analysis. Key updates include:

Table of Contents

Companies Mentioned (Partial List)

Table Information

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