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BNPL (Buy Now, Pay Later)

Statistics report that compares BNPL markets and brands across various countries worldwide

One of the main developments in digital payments, BNPL lacks comparable data as it is not yet regulated. How does the world respond to this trend?

This report aims to provide a comparative overview on how big buy now, pay later is in the world. What is its market share in the different countries in Europe? Which pure play brands do merchants offer? Are the user demographics in India different from those in the UK?

The main focus of the report is on metrices that are commonly used within the payments industry. Note, however, that due to the unregulated state of BNPL in many countries, data might not be readily available for all countries or even comparable. The metrices are as follows:

  • Adoption and/or penetration;
  • The biggest brands;
  • User count and/or user demographics;
  • Value of transactions.

The figures provided have varying levels of granularity, as figures stem from different sources. Oftentimes, these are domestic surveys. There is no global database or international approach to cover the BNPL market.

Table of contents

Market share

4
  • Premium Statistic Most used payment methods in e-commerce worldwide in 2025, with a forecast for 2030
  • Premium Statistic Most used payment methods in e-commerce worldwide in 2025, by region
  • Premium Statistic Buy now, pay later (BNPL) share in e-commerce in 43 countries worldwide 2016-2025
  • Premium Statistic POS financing in offline shopping in 40 countries worldwide 2024

User number

6
  • Premium Statistic MAU (monthly active users) of BNPL wallet Klarna in 25 countries worldwide 2024-2025
  • Premium Statistic Top 10 countries worldwide based on number of buy now, pay later (BNPL) users 2022
  • Premium Statistic Users of buy now, pay later (BNPL) in the U.S. 2021-2023, with forecasts to 2028
  • Premium Statistic Number of Buy Now, Pay Later users Asia 2022-2023, by country
  • Premium Statistic Share of PayLater users Indonesia 2023
  • Premium Statistic Total number of retail customers registered with BNPL in Saudi Arabia 2020-2022

User demographics

7
  • Premium Statistic Gen Z use of selected online payment methods worldwide in 2024, by situation
  • Premium Statistic Millennial use of selected online payment methods worldwide in 2024, by situation
  • Premium Statistic Increase in use of selected online payment methods worldwide in 2024, by age gender
  • Premium Statistic Buy now, pay later (BNPL) use in the U.S. 2024, by age, gender, income, race
  • Premium Statistic Usage of BNPL services Australia 2020-2024, by generation
  • Premium Statistic Reasons cited by consumers why they prefer BNPL in U.S., UK, Australia in 2022
  • Premium Statistic BNPL use as a payment method for crypto worldwide 2024, by age and gender

Brands (pure play)

8
  • Premium Statistic Market share of online payment processing software on web domains worldwide 2026
  • Premium Statistic Active users and GMV of leading BNPL providers Klarna, Afterpay, and Affirm 2025
  • Premium Statistic Merchants who use Klarna for buy now pay later in 140 countries worldwide 2026
  • Premium Statistic Merchants who use Affirm for buy now, pay later in 25 countries worldwide 2026
  • Premium Statistic Merchants who use Afterpay for buy now, pay later in 64 countries worldwide 2026
  • Premium Statistic Merchants who use Pay in 4 for buy now, pay later in 33 countries worldwide 2025
  • Premium Statistic Merchants who use Sezzle for buy now, pay later in 34 countries worldwide 2026
  • Premium Statistic Merchants who use Zip for buy now, pay later in 18 countries worldwide 2025

Transaction value

6
  • Premium Statistic Annual buy now, pay later (BNPL) global market size 2014-2025, with forecast to 2030
  • Premium Statistic Key companies in BNPL (buy now, pay later) worldwide, based on transaction value 2024
  • Premium Statistic BNPL spending on e-commerce SEA 2021-2026, by country
  • Premium Statistic Total gross merchandise value of goods sold in Saudi Arabia with BNPL 2020-2022
  • Premium Statistic Buy now, pay later (BNPL) transaction volume in Italy 2025
  • Premium Statistic BNPL payment preference for big-ticket purchases globally 2023, by country

Product verticals

7
  • Premium Statistic Annual buy now, pay later (BNPL) transaction volume in U.S. 2019-2021, by vertical
  • Premium Statistic Leading payment methods for cosmetic procedures among U.S. consumers 2024
  • Premium Statistic E-commerce companies' perspectives on BNPL payment options in the U.K. 2023
  • Premium Statistic Share of consumers using BNPL Australia 2023, by purchase category
  • Premium Statistic Share of consumers using BNPL India 2022, by purchase category and age
  • Premium Statistic Most popular product categories funded by BNPL in Poland 2023
  • Premium Statistic Main travel payment technologies planned to be implemented worldwide 2023

Debt and delinquency

5
  • Premium Statistic BNPL missed payments or spent too much in the U.S. 2025, by age
  • Premium Statistic Reasons to use buy now, pay later (BNPL) in the U.S. 2022-2024
  • Premium Statistic Buy now, pay later (BNPL) monthly debt in the UK 2022, by age group
  • Premium Statistic Share of adults who paid a BNPL late fee Australia 2020-2023
  • Premium Statistic Quarterly delinquency rate of BNPL (buy now, pay later) company Affirm 2017-2026

Forecasts

7
  • Premium Statistic Annual BNPL spending in the U.S. 2022-2025, with a 2031 forecast
  • Premium Statistic Annual BNPL spending in the UK 2022-2025, with a 2031 forecast
  • Premium Statistic Annual BNPL spending in Germany 2022-2025, with a 2031 forecast
  • Premium Statistic Annual BNPL spending in Spain 2022-2025, with a 2031 forecast
  • Premium Statistic Annual BNPL spending in France 2022-2025, with a 2031 forecast
  • Premium Statistic Annual BNPL spending in Italy 2022-2025, with a 2031 forecast
  • Premium Statistic BNPL (buy now, pay later) users in India and worldwide 2022, with a 2027 forecast
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