⚡ Buy Now, Pay Later Online Payment Services

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.

Statistics based on 3.6M+ analyzed websites. About this data

⭐ Most Popular in 2026

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

The most popular is Shop Pay with a share of 25.9%, followed by Klarna with 5.2% and Afterpay with 1.7%.

Shop Pay 25.9%
Klarna 5.2%
Afterpay 1.7%
Affirm 0.9%
Scalapay 0.4%
Zip 0.4%
Sezzle 0.3%
Clearpay 0.1%
Kueski Pay 0.09%
Tabby 0.09%
Paidy 0.08%
Laybuy 0.05%
PayPo 0.03%
Deko 0.03%

🚀 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)
Visa is #1 in Russia ^(-3)
KG Inicis is #1 in Korea ^(-36)
Mercado Pago is #1 in Argentina ^(-20)
Klarna is #1 in Norway ^(-6)
Stripe is #1 in Taiwan ^(-2)
Mastercard is #1 in Croatia ^(-4)
Razorpay is #2 in India ^(-24)
Bancontact is #2 in Belgium ^(-22)
Google Pay is #3 in the Czech Republic ^(-3)

✨ Best Buy Now, Pay Later Online Payment Services

Below is a more detailed list of 15 BNPL online 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$$$	25.9%
2	Klarna Stockholm, Sweden A Swedish payment service provider and licensed bank that specializes in Buy Now, Pay Later options for online and in-store purchases. $$$	5.2%
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. $$$	1.7%
4	Affirm San Francisco, California, United States A Buy Now, Pay Later financial services platform that lets consumers split online and in-store purchases into scheduled installments. $$$	0.9%
5	Scalapay Milan, Italy A European "buy now, pay later" payment method that allows customers to split online and in-store purchases into three or four interest-free installments at checkout.	0.4%
6	Zip Sydney, Australia A "buy now, pay later" payment service that operates in Australia, New Zealand, and the United States.	0.4%
7	Sezzle Minneapolis, Minnesota, United States A payment processing platform that enables shoppers to "Buy Now, Pay Later" with interest-free installment plans.	0.3%
8	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%
9	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.	0.09%
10	Tabby Dubai, United Arab Emirates A buy-now-pay-later platform prominent across Saudi Arabia and the Middle East.	0.09%
11	Paidy San Jose, California, United States A Japanese "buy now, pay later" payment service that allows consumers to make online and in-store purchases through monthly consolidated billing.	0.08%
12	Laybuy Auckland, New Zealand A New Zealand-based Buy Now, Pay Later provider.	0.05%
13	PayPo Warsaw, Poland A Polish "buy now pay later" payment service.	0.03%
14	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%
15	Four Aventura, Florida, United States A Buy Now Pay Later platform.	0.009%

🗃️ About This Data

We evaluate the popularity of technologies based on the number of websites where we detect their usage.
Technologies without a detectable web footprint, and those we do not track, are not reflected in the calculated market share.
This report is based on the analysis of 3,606,256 websites.
We currently track the presence of 136 online payment services across the web.
Statistics were last calculated on August 5, 2026.
For more details, see our methodology and disclaimer.