The buy now, pay later (bnpl) fraud prevention market size is expected to see exponential growth in the next few years. It will grow to $14.62 billion in 2030 at a compound annual growth rate (CAGR) of 24.1%. The growth in the forecast period can be attributed to increasing sophistication of synthetic identity fraud, rising demand for automated fraud prevention solutions, expansion of bnpl usage across new merchant categories, growing regulatory scrutiny on fraud controls, increasing investment in ai-driven risk management technologies. Major trends in the forecast period include increasing deployment of AI-based fraud detection tools, rising adoption of behavioral analytics for risk scoring, growing use of real-time transaction monitoring, expansion of cloud-based fraud prevention platforms, enhanced focus on identity verification technologies.
The rapid increase in digital payments is expected to drive the growth of the buy now, pay later (BNPL) fraud prevention market in the coming years. Digital payments refer to electronic financial transactions carried out without physical cash, using tools such as mobile wallets, debit and credit cards, online banking platforms, and contactless payment methods. The rise in digital payments is largely driven by expanding smartphone usage and broader internet access, which enable consumers to complete transactions conveniently at any time and from any location. As BNPL usage grows within digital payment ecosystems, fraud prevention solutions play a critical role in identifying and stopping unauthorized or deceptive transactions, thereby protecting merchants and consumers from financial losses and reputational risks. For example, in March 2025, according to a report published by Visa Inc., a US-based payments technology company, Visa’s Tap to Phone service in the UK recorded a 320% growth in 2025, exceeding the global adoption growth rate of 200% over the previous year. Therefore, the increasing volume of digital payments is fueling demand for BNPL fraud prevention solutions.
Companies operating in the BNPL fraud prevention market are increasingly focusing on developing advanced solutions such as AI-powered, real-time fraud detection and prevention platforms to support secure, scalable, and trustworthy BNPL services. These AI-driven platforms combine machine learning algorithms, device fingerprinting, transaction behavior analysis, and dark web intelligence to continuously assess BNPL applications and transactions. By dynamically scoring risk and identifying suspicious activity before payments are released or goods are delivered, these systems help prevent fraud proactively. For instance, in May 2024, Mangopay S.A., a Luxembourg-based fintech company, launched an AI-driven fraud prevention solution tailored for payment platforms and BNPL providers. This fully integrated, payment-processor-agnostic solution offers real-time fraud detection, device fingerprinting, dark web monitoring, and protection against account takeovers, payment fraud, chargebacks, and return abuse. The platform evaluates every transaction using a fraud detection engine trained on billions of data points across Mangopay’s network, analyzing device signals, behavioral patterns, and threat intelligence to identify high-risk or fraudulent activities.
In December 2024, Scalapay S.r.l., an Italy-based fintech company offering buy now, pay later services, partnered with Trustfull to strengthen BNPL fraud prevention across Europe. Through this collaboration, Scalapay integrates Trustfull’s Identity Intelligence platform to enhance transaction security and reduce fraud risks for both customers and merchants. The partnership leverages advanced identity verification and digital footprint analysis to improve fraud detection and ensure safer BNPL transactions. Trustfull is an Italy-based platform specializing in digital footprint and identity intelligence solutions.
Major companies operating in the buy now, pay later (bnpl) fraud prevention market are Klarna Bank AB, Affirm Holdings Inc, Zip Co Limited, Sezzle Inc, Openpay Pty Ltd, Zilch Technology Limited, Atome Financial, Scalapay Srl, Laybuy Holdings Limited, Billie GmbH, ViaBill Inc, Splitit Payments Ltd, Payright Ltd, FuturePay Holdings Inc, LazyPay, Zest Money, Humm Group Limited, LatitudePay, Tabby FZ LLC, Tamara FZE, Postpay Limited, PayPal Holdings Inc.
North America was the largest region in the buy now, pay later (BNPL) fraud prevention market in 2025. The regions covered in the buy now, pay later (bnpl) fraud prevention market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the buy now, pay later (bnpl) fraud prevention market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.
The buy now, pay later (BNPL) fraud prevention market consists of revenues earned by entities by providing services such as biometric authentication, chargeback and refund protection, collaborative fraud intelligence, and behavioral analytics. The market value includes the value of related goods sold by the service provider or included within the service offering. The buy now, pay later (BNPL) fraud prevention market also consists of sales of identity verification solutions, transaction monitoring systems, credit risk assessment tools and synthetic identity detection tools. Values in this market are ‘factory gate’ values, that is, the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors, and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.
The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).
The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.
This product will be delivered within 1-3 business days.
Table of Contents
Executive Summary
Buy Now, Pay Later (BNPL) Fraud Prevention Market Global Report 2026 provides strategists, marketers and senior management with the critical information they need to assess the market.This report focuses buy now, pay later (bnpl) fraud prevention market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
Reasons to Purchase::
- Gain a truly global perspective with the most comprehensive report available on this market covering 16 geographies.
- Assess the impact of key macro factors such as geopolitical conflicts, trade policies and tariffs, inflation and interest rate fluctuations, and evolving regulatory landscapes.
- Create regional and country strategies on the basis of local data and analysis.
- Identify growth segments for investment.
- Outperform competitors using forecast data and the drivers and trends shaping the market.
- Understand customers based on end user analysis.
- Benchmark performance against key competitors based on market share, innovation, and brand strength.
- Evaluate the total addressable market (TAM) and market attractiveness scoring to measure market potential.
- Suitable for supporting your internal and external presentations with reliable high-quality data and analysis
- Report will be updated with the latest data and delivered to you along with an Excel data sheet for easy data extraction and analysis.
- All data from the report will also be delivered in an excel dashboard format.
Description
Where is the largest and fastest growing market for buy now, pay later (bnpl) fraud prevention? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The buy now, pay later (bnpl) fraud prevention market global report answers all these questions and many more.The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, total addressable market (TAM), market attractiveness score (MAS), competitive landscape, market shares, company scoring matrix, trends and strategies for this market. It traces the market’s historic and forecast market growth by geography.
- The market characteristics section of the report defines and explains the market. This section also examines key products and services offered in the market, evaluates brand-level differentiation, compares product features, and highlights major innovation and product development trends.
- The supply chain analysis section provides an overview of the entire value chain, including key raw materials, resources, and supplier analysis. It also provides a list competitor at each level of the supply chain.
- The updated trends and strategies section analyses the shape of the market as it evolves and highlights emerging technology trends such as digital transformation, automation, sustainability initiatives, and AI-driven innovation. It suggests how companies can leverage these advancements to strengthen their market position and achieve competitive differentiation.
- The regulatory and investment landscape section provides an overview of the key regulatory frameworks, regularity bodies, associations, and government policies influencing the market. It also examines major investment flows, incentives, and funding trends shaping industry growth and innovation.
- The market size section gives the market size ($b) covering both the historic growth of the market, and forecasting its development.
- The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.
- The total addressable market (TAM) analysis section defines and estimates the market potential compares it with the current market size, and provides strategic insights and growth opportunities based on this evaluation.
- The market attractiveness scoring section evaluates the market based on a quantitative scoring framework that considers growth potential, competitive dynamics, strategic fit, and risk profile. It also provides interpretive insights and strategic implications for decision-makers.
- Market segmentations break down the market into sub markets.
- The regional and country breakdowns section gives an analysis of the market in each geography and the size of the market by geography and compares their historic and forecast growth.
- Expanded geographical coverage includes Taiwan and Southeast Asia, reflecting recent supply chain realignments and manufacturing shifts in the region. This section analyzes how these markets are becoming increasingly important hubs in the global value chain.
- The competitive landscape chapter gives a description of the competitive nature of the market, market shares, and a description of the leading companies. Key financial deals which have shaped the market in recent years are identified.
- The company scoring matrix section evaluates and ranks leading companies based on a multi-parameter framework that includes market share or revenues, product innovation, and brand recognition.
Report Scope
Markets Covered:
1) By Offering: Solutions; Services-Consulting Services2) By Deployment Models: Cloud-Based Deployment; on-Premise Deployment
3) By Application: New Account Abuse; Synthetic Identity Fraud; Account Takeovers (ATOs); Fraudulent Chargebacks; Transaction Laundering; Other Applications
Subsegments:
1) By Solutions: Identity Verification; Transaction Monitoring; Behavioral Analytics; Device Fingerprinting; AI-Based Fraud Detection; Risk Scoring Systems2) By Services-Consulting Services: Fraud Risk Assessment; Compliance Advisory; Implementation & Integration Services; Managed Detection & Response; Training & Support Services
Companies Mentioned: Klarna Bank AB; Affirm Holdings Inc; Zip Co Limited; Sezzle Inc; Openpay Pty Ltd; Zilch Technology Limited; Atome Financial; Scalapay Srl; Laybuy Holdings Limited; Billie GmbH; ViaBill Inc; Splitit Payments Ltd; Payright Ltd; FuturePay Holdings Inc; LazyPay; Zest Money; Humm Group Limited; LatitudePay; Tabby FZ LLC; Tamara FZE; Postpay Limited; PayPal Holdings Inc
Countries: Australia; Brazil; China; France; Germany; India; Indonesia; Japan; Taiwan; Russia; South Korea; UK; USA; Canada; Italy; Spain.
Regions: Asia-Pacific; South East Asia; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
Time Series: Five years historic and ten years forecast.
Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita.
Data Segmentation: Country and regional historic and forecast data, market share of competitors, market segments.
Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
Delivery Format: Word, PDF or Interactive Report + Excel Dashboard
Added Benefits:
- Bi-Annual Data Update
- Customisation
- Expert Consultant Support
Companies Mentioned
The companies featured in this Buy Now, Pay Later (BNPL) Fraud Prevention market report include:- Klarna Bank AB
- Affirm Holdings Inc
- Zip Co Limited
- Sezzle Inc
- Openpay Pty Ltd
- Zilch Technology Limited
- Atome Financial
- Scalapay Srl
- Laybuy Holdings Limited
- Billie GmbH
- ViaBill Inc
- Splitit Payments Ltd
- Payright Ltd
- FuturePay Holdings Inc
- LazyPay
- Zest Money
- Humm Group Limited
- LatitudePay
- Tabby FZ LLC
- Tamara FZE
- Postpay Limited
- PayPal Holdings Inc
Table Information
| Report Attribute | Details |
|---|---|
| No. of Pages | 250 |
| Published | January 2026 |
| Forecast Period | 2026 - 2030 |
| Estimated Market Value ( USD | $ 6.16 Billion |
| Forecasted Market Value ( USD | $ 14.62 Billion |
| Compound Annual Growth Rate | 24.1% |
| Regions Covered | Global |
| No. of Companies Mentioned | 23 |


