⚡ Buy Now, Pay Later Payments

Buy Now, Pay Later (BNPL) payment services allow customers to split purchases into installments while merchants receive payment upfront.

They typically offer short-term financing at checkout, provide instant credit decisions and repayment scheduling, integrate with online and in-store payment systems, and handle risk management.

⭐ Most Popular in 2026

The following chart shows the leading BNPL payment services on the web in 2026, based on market share.

The most popular is Shop Pay with a share of 25.3%, followed by Klarna with 5.5% and Afterpay with 1.8%.

Shop Pay 25.3%
Klarna 5.5%
Afterpay 1.8%
Affirm 1%
Zip 0.4%
Sezzle 0.3%
Clearpay 0.1%
Tabby 0.09%
Paidy 0.08%
Laybuy 0.06%
Kueski Pay 0.04%
PayPo 0.03%
Deko 0.03%
Four 0.009%

🚀 Country Highlights

Here is a list of services that are especially popular in certain countries.
Differences between global and country rankings are shown in parentheses.

Shop Pay is #1 in Japan ^(-1)
Klarna is #1 in Sweden ^(-6)
Afterpay is #3 in New Zealand ^(-14)
Zip is #5 in Australia ^(-27)

✨ Best Buy Now, Pay Later Payment Services

Below is a more detailed list of 14 BNPL payment services we track, ranked by their market share.

Available filters: BNPL Card Crypto Mobile

Rank	Name	Market share
1	Shop Pay Ottawa, Ontario, Canada A Shopify-exclusive accelerated checkout and payment method that lets customers save their billing, shipping, and payment information to complete orders quickly on Shopify stores and in the Shop app. Free$$$	25.3%
2	Klarna Stockholm, Sweden A Swedish payment service provider and licensed bank that specializes in Buy Now, Pay Later options for online and in-store purchases. $$$	5.5%
3	Afterpay Melbourne, Victoria, Australia A buy-now-pay-later payment service that lets shoppers split purchases into installment plans at checkout both online and in stores without interest if payments are made on time. $$$	1.8%
4	Affirm San Francisco, California, United States A Buy Now, Pay Later financial services platform that lets consumers split online and in-store purchases into scheduled installments. $$$	1%
5	Zip Sydney, Australia A "buy now, pay later" payment service that operates in Australia, New Zealand, and the United States.	0.4%
6	Sezzle Minneapolis, Minnesota, United States A payment processing platform that enables shoppers to "Buy Now, Pay Later" with interest-free installment plans.	0.3%
7	Clearpay Melbourne, Victoria, Australia A payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic, interest-free installments.	0.1%
8	Tabby Dubai, United Arab Emirates A buy-now-pay-later platform prominent across Saudi Arabia and the Middle East.	0.09%
9	Paidy San Jose, California, United States A Japanese "buy now, pay later" payment service.	0.08%
10	Laybuy Auckland, New Zealand A New Zealand-based Buy Now, Pay Later provider.	0.06%
11	Kueski Pay Guadalajara, Mexico A Mexican digital payment solution that allows consumers to complete online purchases using a "buy now, pay later" model without requiring a credit card.	0.04%
12	PayPo Warsaw, Poland A Polish "buy now pay later" payment service.	0.03%
13	Deko London, United Kingdom A UK-based buy-now-pay-later payment platform that enables retailers to offer credit options to their shoppers.	0.03%
14	Four Aventura, Florida, United States A Buy Now Pay Later platform.	0.009%

Data is based on the analysis of 3,320,618 websites.
Statistics were last calculated on March 21, 2026.
For details, see our methodology and disclaimer.