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Biggest buy now, pay later (BNPL) providers worldwide based on active users as of March 2026 (in millions)

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Sources

Release date

March 2026

Region

Worldwide

Survey time period

March 2026

Supplementary notes

This statistic was compiled by ÌÇÐÄÆƽâ°æ using various press releases, earnings presentations, and annual reports.User figures are not contemporaneous. The latest available data at the date of publication was as follows:

  • Klarna: Q4 2025
  • PayPal Pay Later: 2023
  • Afterpay: 2023
  • Affirm: Q2 2026
  • Scalapay: 2026
  • Zip: Q4 2025
  • Sezzle: Q4 2024

Citation formats

Largest BNPL providers worldwide 2026, by active users

Published by ÌÇÐÄÆƽâ°æ Research Department, Mar 31, 2026

As of the most recent available data as of March 2026, Klarna lead the global BNPL market by active user count with *** million users, followed by PayPal Pay Later (** million), Afterpay (** million), and Affirm (** million). Smaller providers Scalapay, Zip, and Sezzle report * million, *** million, and **** million active users respectively. Figures should be interpreted with caution. BNPL remains a largely unregulated and inconsistently reported market, meaning user data is not always publicly disclosed, and where available, definitions of "active user" vary between providers. Reporting dates also differ across companies.

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KlarnaE-commerce worldwideMobile payments with digital walletsDigital payments landscape in the United StatesDigital payments landscape in Sweden
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Access limited to Free Statistics. Premium Statistics are not included.
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per month, billed annually 1
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