The Ultimate Guide to Buy Now Pay Later
A curated American edition of TechDay news, analysis, interviews, reviews, job moves, and related resources for Buy Now Pay Later (BNPL).
What to know about Buy Now Pay Later
Buy Now Pay Later (BNPL) is a payment method that allows consumers to purchase goods and services immediately while spreading the cost over time through instalments. This option is increasingly popular worldwide, driven by its convenience and flexibility, particularly among younger shoppers like Gen Z who are turning away from traditional credit cards.
The BNPL landscape is rapidly evolving with new partnerships, market expansions, and regulatory changes shaping its use. Readers can explore stories on how companies like Afterpay, Klarna, and Zip are growing BNPL services across different regions, how merchants are integrating these options to boost sales, and the impact of new rules starting in 2025 that aim to offer consumer protections while also creating questions about credit reporting and borrowing effects.
BNPL also intersects with wider trends in digital payments and fintech, including the rise of embedded finance, digital wallets, and new B2B payment platforms. However, readers should also be aware of potential risks highlighted in recent reports, such as the financial strain on vulnerable consumers and challenges with fraud and policy abuse. By following this tag, readers gain insights into the opportunities and challenges of BNPL and how it is reshaping modern retail and consumer finance.
American Buy Now Pay Later News
Regional stories with direct local relevance
Zip US teams with InComm on gift cards in instalments
Shoppers can now spread the cost of gift cards in Zip's app, as buy now, pay later usage keeps widening across the US.
Adobe predicts US holiday online spend to hit USD $253.4 billion
Adobe forecasts US online holiday spending to reach a record USD $253.4 billion in 2025, up 5.3%, with mobile shopping and AI playing key roles.
Analyst Insights
Research and market analysis connected to Buy Now Pay Later
Expert Columns
Recent Buy Now Pay Later News
Equipifi raises USD $34 million in Series B funding
The funding will help equipifi expand bank-embedded buy now, pay later services as lenders race to keep instalment spending inside their apps.
PayPal reshuffles into three divisions as executives shift
The payments group has streamlined reporting lines and named new leaders after combining checkout, Venmo, services and crypto into three units.
Payment firms expand into broader merchant services
Merchants could soon get payments, loyalty, lending and checkout tools from one supplier as firms chase fuller control of commerce.
PayPal brings payment links to Canva's 265 million
Creators and small businesses can now take payments inside Canva, reaching its 265 million users through PayPal-hosted checkout links and QR codes.
Klarna tops 1 million merchants as leisure spend surges
Klarna has topped 1 million merchants worldwide as it accelerates into everyday and leisure spending, led by sport, hobby and wellness.
G2A adds Klarna to offer flexible payments for gamers
G2A adds Klarna at checkout, letting European gamers split or delay payments on over 90,000 digital titles and in-game purchases.
LemFi gains Bank of Canada oversight under new RPAA
LemFi gains Bank of Canada oversight under the new Retail Payment Activities Act, bolstering trust in its cross-border remittance services.
Rainforest adds PayPal to unify vertical software checkout
Rainforest adds PayPal, Venmo and PayPal Pay Later to its unified checkout for vertical software, aiming to shift users from cash and cheques.
Xero adds AI invoicing tools to help payments land
Xero unveils AI-powered invoicing and payment tools, promising to cut late payments and ease cash-flow strain for small businesses.
BPC named tech leader in 2025 SPARK Matrix ranking
BPC has been named a technology leader in QKS Group's 2025 SPARK Matrix for merchant payment platforms, recognising SmartVista's breadth.
Sabre, PayPal & Mindtrip unveil AI travel assistant
Sabre, PayPal and Mindtrip are teaming up on an AI travel assistant that lets users discover, book and pay for trips in one chat-based flow.
Gr4vy unveils Silent Mode for parallel fraud testing
Gr4vy launches Silent Mode to let merchants trial multiple fraud tools in parallel on live payments without affecting real customer outcomes.
GoCab raises USD $45m to grow African gig mobility
GoCab secures USD $45m in equity and debt to expand gig driver vehicle financing and electric mobility across Africa and emerging markets.
Affirm wins exclusive Expedia buy now, pay later deal
Affirm secures an exclusive multi-year deal to power Expedia's US instalment travel payments, with a Canadian rollout to follow on select stays.
Adobe sees surge in AI-driven traffic & conversions
Adobe says generative AI referrals to retailers jumped nearly 700% over the 2025 holidays, driving longer visits and stronger conversions.
Retailers warned of post-holiday surge in chargebacks
Retailers urged to brace for early-year spike in chargebacks as mobile shopping and buy now, pay later fuel record US holiday spend.
US holiday online sales hit record on mobiles & AI
US holiday online sales hit a record USD $257.8 billion as shoppers shifted to mobiles, Buy Now Pay Later and generative AI search tools.
Black Friday returns surge threatens brands' profits
Record Black Friday online sales risk hollowing out profits as soaring returns, refunds and BNPL queries squeeze retailers' margins.
US online sales hit USD $14.25 billion on Cyber Monday 2025
US online sales reached a record USD $14.25 billion on Cyber Monday 2025, driven by strong discounts and a surge in mobile shopping activity.