According to PayNXT360, BNPL payment market in Latin America is expected to grow by 24.8% on annual basis to reach US$18.5 billion in 2026. The buy now pay later market in the country has experienced...
According to PayNXT360, BNPL payment market in Latin America is expected to grow by 24.8% on annual basis to reach US$18.5 billion in 2026. The buy now pay later market in the country has experienced robust growth during 2022-2025, achieving a CAGR of 32.8%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 18.3% from 2026-2031. By the end of 2031, the BNPL sector is projected to expand from its 2025 value of USD 14.9 billion to approximately USD 43.0 billion. Key Trends and Drivers 1. BNPL integrates with instant-payment rails and card-installment cultures (Brazil, Mexico) • In Brazil, BNPL models are increasingly embedded into existing payment habits dominated by interest-free installments and Pix. Providers such as Mercado Pago, Nubank, and large retailers are now offering pay-later options that mirror the traditional “parcelado” structure but operate through digital checkout. Mexico is seeing a similar movement with BNPL services extending into the widely used meses sin intereses installment culture, often integrated into merchant checkout or wallet environments. • Consumers in Brazil prefer predictable installment plans, and Pix has widened access to digital payments. In Mexico, merchants continue to promote installment schemes to support higher-ticket purchases, and fintechs such as Kueski Pay align their BNPL model with existing consumer behaviour. Fintechs and large merchants are responding to competitive pressure from banks that have launched card-linked installment features. • BNPL is likely to resemble hybrid models that combine instant payments with short-term credit. Merchant adoption will expand across offline channels, especially in electronics, appliances and travel. Provider margins may come under pressure as consumers gravitate toward lower-cost installment models that leverage instant-payment infrastructure. 2. E-commerce platforms deepen embedded credit models (Brazil, Mexico, Argentina) • Large platforms are strengthening internal credit ecosystems to boost transaction volumes. Mercado Libre’s Mercado Crédito continues to expand instalment credit across Brazil, Mexico and Argentina, embedding BNPL into wallet and platform checkout flows. In Mexico, Kueski Pay has increased acceptance across fashion, travel and general retail merchants, while in Argentina, platform-based BNPL is one of the few fast-growing digital credit categories amid high inflation. • Platforms have access to behavioural data and merchant networks, enabling risk models that support short-tenure credit. E-commerce players aim to reduce their reliance on external payment networks by boosting their proprietary credit. BNPL supports higher purchase conversion during periods of constrained household budgets. • Embedded BNPL is likely to scale within loyalty ecosystems, including subscription programmes, wallets and co-branded cards. Platform-issued BNPL may begin competing directly with bank credit cards, particularly for mid-ticket purchases. Providers with multi-country operations, such as Mercado Libre, will benefit from cross-market credit data aggregation. 3. BNPL expands beyond e-commerce into in-store and omnichannel financing (Mexico, Colombia, Chile) • BNPL is transitioning into physical retail. Kueski Pay in Mexico expanded QR-based in-store payments, allowing consumers to use BNPL at pharmacies, electronics stores and convenience formats. In Colombia, Addi increased merchant adoption across furniture, fashion and homeware and secured new funding to broaden merchant partnerships. Chilean retailers continue to expand instalment-based credit across wallet and app environments, integrating BNPL-style short-term financing at checkout. • Retailers seek flexible credit solutions that align with consumer demand for predictable payments without the revolving credit card risk. Fintechs are targeting offline merchants to diversify revenue and reduce dependency on digital-only traffic. QR-payment infrastructure and wallet penetration in Mexico and Colombia make in-store BNPL deployment easier. • BNPL adoption in verticals such as healthcare, education, home improvement, and mobility is expected to grow. More banks and retail finance arms may partner with BNPL firms to manage risk, compliance, and collections. Omnichannel BNPL will become a standard payment method for mid-value transactions, especially in markets with lower credit card penetration. 4. Governments strengthen oversight of digital credit and consumer protection (Brazil, Colombia, regional spill-over) • Regulators in Brazil and Colombia have been updating digital credit frameworks, impacting BNPL providers. Brazil continues to refine supervision of fintech lenders and payment institutions, with rules governing licensing, capital, and transparency. Colombia has expanded the scope of its regulatory sandbox for digital credit models and is moving toward stronger consumer-protection standards for instalment services. • BNPL is increasingly used for essential purchases, raising concerns about debt accumulation and affordability. Regulators aim to align BNPL with existing consumer credit standards, especially regarding disclosures and credit assessments. The growth of non-bank credit providers has accelerated the need for consistent rules across lending categories. • BNPL providers may face higher compliance and underwriting costs. Partnerships with licensed financial institutions, banks, or regulated fintech lenders are likely to increase. Regulation may standardize product structures, reducing variation across providers and bringing BNPL closer to traditional instalment lending. Competitive Landscape Competition is expected to centre on underwriting capabilities, multi-channel merchant integration and regulatory compliance. Platform-led BNPL and bank-led instalment features will converge, placing pressure on standalone BNPL firms. Over the next 2–4 years, the market is likely to consolidate around ecosystem players with strong consumer data and cross-vertical merchant relationships. Current State of the Market • BNPL in Latin America is shaped by a fragmented competitive landscape led by local fintechs, e-commerce ecosystems, and retailer finance arms. Brazil and Mexico anchor regional activity, where instalment payments are already embedded in traditional “parcelado” and “meses sin intereses”, creating a foundation for digital BNPL adoption. • In Brazil, players such as Mercado Pago, Nubank, and large retailers integrate BNPL alongside Pix-driven checkouts. Mexico’s ecosystem is centred on Kueski Pay, which operates across fashion, electronics, and pharmacy retail. Colombia and Chile show rising merchant adoption through players like Addi and retailer-linked credit arms. Competitive intensity is increasing as banks introduce instalment features to defend card instalment volumes. Key Players and New Entrants • Mercado Libre’s credit arm remains influential due to its multi-country operations. Kueski Pay has expanded its merchant network in Mexico and is moving into in-store channels. In Colombia, Addi strengthened its position following new capital injections. Brazil has seen activity from wallet-led ecosystems, including Nubank and large retailers deploying short-term digital credit. • Banks in Mexico and Brazil have begun introducing card-linked BNPL features, intensifying competition. A small number of new entrants have emerged in vertical segments such as healthcare and education financing, often partnering with payment processors. Recent Launches, Mergers, and Acquisitions • Recent activity has focused on strategic partnerships rather than large-scale M&A. Kueski expanded in-store acceptance through partnerships with pharmacy and electronics chains in Mexico. Addi announced new international funding to accelerate merchant acquisition in Colombia. • Brazilian retailers have launched proprietary instalment products inside loyalty ecosystems. Regional acquirers and payment processors have integrated BNPL options within checkout, enabling small merchants to adopt pay-later without building risk models. PayNXT360’s research methodology is based on industry best practices. It's unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities. Latin AmericaPayNXT360 research methodology follows industry best practices and leverages a proprietary analytics platform to provide an unbiased assessment of market size, usage patterns, revenue models, and consumer behaviour across the Buy Now Pay Later (BNPL) ecosystem. This title from PayNXT360 is a bundled offering, combining the following 6 reports, covering 300+ tables and 450+ figures for the Buy Now Pay Later Market: 1. Latin America Buy Now Pay Later Market Business and Investment Opportunities Databook 2. Argentina Buy Now Pay Later Market Business and Investment Opportunities Databook 3. Brazil Buy Now Pay Later Market Business and Investment Opportunities Databook 4. Chile Buy Now Pay Later Market Business and Investment Opportunities Databook 5. Colombia Buy Now Pay Later Market Business and Investment Opportunities Databook 6. Mexico Buy Now Pay Later Market Business and Investment Opportunities Databook
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Latin America through 58 tables and 82 charts. Below is a summary of key market segments: Latin America Retail Industry & Ecommerce Market Size and Forecast -- Retail Industry – Spend Value Trend Analysis -- Buy Now Pay Later Share of Retail Industry -- Ecommerce – Spend Value Trend Analysis -- Buy Now Pay Later Share of Ecommerce Latin America Buy Now Pay Later Market Size and Industry Attractiveness -- Gross Merchandise Value Trend Analysis -- Average Value Per Transaction Trend Analysis -- Transaction Volume Trend Analysis -- Market Share Analysis by Key Players Latin America Buy Now Pay Later Revenue Analysis -- Buy Now Pay Later Revenues -- Buy Now Pay Later Share by Revenue Segments -- Buy Now Pay Later Revenue by Merchant Commission -- Buy Now Pay Later Revenue by Missed Payment Fee Revenue -- Buy Now Pay Later Revenue by Pay Now & Other Income Latin America Buy Now Pay Later Operational KPIs -- Buy Now Pay Later Active Consumer Base -- Buy Now Pay Later Bad Debt Latin America Buy Now Pay Later Spend Analysis by Business Model -- Two-Party Business Model -- Third-Party Business Model Latin America Buy Now Pay Later Spend Analysis by Purpose -- Convenience -- Credit Latin America Buy Now Pay Later Spend Analysis by Merchant Ecosystem -- Open Loop System -- Closed Loop System Latin America Buy Now Pay Later Spend Analysis by Distribution Model -- Standalone -- Banks & Payment Service Providers -- Marketplaces Latin America Buy Now Pay Later Spend Analysis by Channel -- Online Channel -- POS Channel Latin America Buy Now Pay Later By End-Use Sector: Market Size and Forecast -- Retail Shopping -- Home Improvement -- Travel -- Media and Entertainment -- Services -- Automotive -- Health Care and Wellness -- Others Latin America Buy Now Pay Later By Retail Product Category: Market Size and Forecast -- Apparel, Footwear & Accessories -- Consumer Electronics -- Toys, Kids, and Babies -- Jewelry -- Sporting Goods -- Entertainment & Gaming -- Other Latin America Buy Now Pay Later Analysis by Consumer Attitude and Behaviour -- Spend Share by Age Group -- Spend Share by Default Rate by Age Group -- Spend Share by Income -- Gross Merchandise Value Share by Gender -- Adoption Rationale -- Spend by Monthly Expense Segments -- Average Number of Transactions per User Annually -- BNPL Users as a Percentage of Total Adult Population
• Strategic and Innovation Insights: Gain clarity on the future direction of Latin America's Buy Now Pay Later market by analysing strategic initiatives, business model evolution, and innovation-led approaches adopted by key BNPL providers to strengthen market positioning. • Comprehensive Understanding of BNPL Market Dynamics in Latin America: Assess market size, growth outlook, and structural shifts across retail and e-commerce, supported by detailed segmentation by channel, business model, distribution model, merchant ecosystem, end-use sector, and consumer demographics, underpinned by 90+ KPIs. • Value and Volume-Based KPIs for Market Accuracy: Leverage a robust set of value and volume KPIs, including GMV, average transaction value, transaction volume, active users, revenue, and bad debt, to develop a precise understanding of BNPL adoption, usage intensity, and market maturity. • Competitive Landscape Assessment: Obtain a clear snapshot of the BNPL competitive landscape in Latin America, including market share analysis of leading providers, enabling informed benchmarking and evaluation of market concentration and competitive intensity. • Actionable Inputs for Market Entry and Expansion Strategies: Identify high-growth categories, priority end-use sectors, and distribution channels to fine-tune go-to-market and partnership strategies, while assessing key trends, regulatory considerations, and risk factors shaping the BNPL ecosystem. • In-Depth Consumer Behaviour Analysis: Enhance ROI by understanding evolving consumer attitudes and spending behaviour, with insights into BNPL adoption drivers, usage frequency, income and age-based usage patterns, gender splits, and monthly expense segmentation.
This title from PayNXT360 is a bundled offering, combining the following 6 reports, covering 300+ tables and 450+ figures for the Buy Now Pay Later Market: 1. Latin America Buy Now Pay Later Market Business and Investment Opportunities Databook 2. Argentina Buy Now Pay Later Market Business and Investment Opportunities Databook 3. Brazil Buy Now Pay Later Market Business and Investment Opportunities Databook 4. Chile Buy Now Pay Later Market Business and Investment Opportunities Databook 5. Colombia Buy Now Pay Later Market Business and Investment Opportunities Databook 6. Mexico Buy Now Pay Later Market Business and Investment Opportunities Databook All regional and country-level BNPL reports mentioned above will have a standardized table of contents, ensuring consistency in market sizing, forecasts, competitive landscape, user metrics, regulatory analysis, and investment insights across all markets. 1. About this Report 1.1 Summary 1.2 Methodology 1.3 Definition 1.4 Disclaimer 2. Retail Industry & Ecommerce Market Size and Forecast, 2022–2031 2.1 Retail Industry – Spend Value Trend Analysis, 2022–2031 2.2 Buy Now Pay Later Share of Retail Industry, 2022–2031 2.3 Ecommerce – Spend Value Trend Analysis, 2022–2031 2.4 Buy Now Pay Later Share of Ecommerce, 2022–2031 3. Buy Now Pay Later Industry Attractiveness, 2022–2031 3.1 Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2022–2031 3.2 Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2022–2031 3.3 Buy Now Pay Later – Transaction Volume Trend Analysis, 2022–2031 3.4 Buy Now Pay Later Market Share Analysis by Key Players, 2025 4. Buy Now Pay Later Operational KPIs, 2022–2031 4.1 Buy Now Pay Later Revenues, 2022–2031 4.2 Buy Now Pay Later Share by Revenue Segments 4.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2022–2031 4.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2022–2031 4.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2022–2031 4.3 Buy Now Pay Later Active Consumer Base, 2022–2031 4.4 Buy Now Pay Later Bad Debt, 2022–2025–2031 5. Buy Now Pay Later Spend Analysis by Business Model, 2022–2031 5.1 Buy Now Pay Later Two-Party Business Model, 2022–2031 5.2 Buy Now Pay Later Third-Party Business Model, 2022–2031 6. Buy Now Pay Later Spend Analysis by Purpose, 2022–2031 6.1 Buy Now Pay Later Convenience, 2022–2031 6.2 Buy Now Pay Later Credit, 2022–2031 7. Buy Now Pay Later Spend Analysis by Merchant Ecosystem, 2022–2031 7.1 Buy Now Pay Later by Open Loop System, 2022–2031 7.2 Buy Now Pay Later by Closed Loop System, 2022–2031 8. Buy Now Pay Later Spend Analysis by Distribution Model, 2022–2031 8.1 Buy Now Pay Later by Standalone, 2022–2031 8.2 Buy Now Pay Later by Banks & Payment Service Providers, 2022–2031 8.3 Buy Now Pay Later by Marketplaces, 2022–2031 9. Buy Now Pay Later Spend Analysis by Channel, 2022–2031 9.1 Buy Now Pay Later Market Share by Channel, 2022–2031 9.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2022–2031 9.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2022–2031 10. Buy Now Pay Later Snapshot by End-Use Sector, 2022–2031 10.1 Buy Now Pay Later Market Share by End-Use Sector, 2025 10.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2025 11. Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2022–2031 11.1 Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2022–2031 11.2 Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2022–2031 11.3 Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2022–2031 12. Buy Now Pay Later Market Size and Forecast by Retail Product Categories, 2022–2031 12.1 Buy Now Pay Later Share by Retail Product Category, 2025 12.2 Buy Now Pay Later by Retail Product Categories – Average Order Value Trend Analysis, 2025 12.3 Buy Now Pay Later Retail Shopping – Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis, 2022–2031 12.4 Buy Now Pay Later Retail Shopping – Consumer Electronics – Gross Merchandise Value Trend Analysis, 2022–2031 12.5 Buy Now Pay Later Retail Shopping – Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis, 2022–2031 12.6 Buy Now Pay Later Retail Shopping – Jewellery – Gross Merchandise Value Trend Analysis, 2022–2031 12.7 Buy Now Pay Later Retail Shopping – Sporting Goods – Gross Merchandise Value Trend Analysis, 2022–2031 12.8 Buy Now Pay Later Retail Shopping – Entertainment & Gaming – Gross Merchandise Value Trend Analysis, 2022–2031 12.9 Buy Now Pay Later Retail Shopping – Others – Gross Merchandise Value Trend Analysis, 2022–2031 13. Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2022–2031 13.1 Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2022–2031 13.2 Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2022–2031 13.3 Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2022–2031 14. Buy Now Pay Later in Travel: Market Size and Forecast, 2022–2031 14.1 Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis, 2022–2031 14.2 Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis, 2022–2031 14.3 Buy Now Pay Later Travel – Transaction Volume Trend Analysis, 2022–2031 15. Buy Now Pay Later in Media & Entertainment: Market Size and Forecast, 2022–2031 15.1 Buy Now Pay Later Media & Entertainment – Gross Merchandise Value Trend Analysis, 2022–2031 15.2 Buy Now Pay Later Media & Entertainment – Average Value Per Transaction Trend Analysis, 2022–2031 15.3 Buy Now Pay Later Media & Entertainment – Transaction Volume Trend Analysis, 2022–2031 16. Buy Now Pay Later in Service: Market Size and Forecast, 2022–2031 16.1 Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis, 2022–2031 16.2 Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis, 2022–2031 16.3 Buy Now Pay Later Service – Transaction Volume Trend Analysis, 2022–2031 17. Buy Now Pay Later in Automotive: Market Size and Forecast, 2022–2031 17.1 Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis, 2022–2031 17.2 Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis, 2022–2031 17.3 Buy Now Pay Later Automotive – Transaction Volume Trend Analysis, 2022–2031 18. Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2022–2031 18.1 Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2022–2031 18.2 Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2022–2031 18.3 Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2022–2031 19. Buy Now Pay Later in Others: Market Size and Forecast, 2022–2031 19.1 Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis, 2022–2031 19.2 Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis, 2022–2031 19.3 Buy Now Pay Later Others – Transaction Volume Trend Analysis, 2022–2031 20. Buy Now Pay Later Analysis by Consumer Attitude and Behaviour, 2022–2031 20.1 Buy Now Pay Later Spend Share by Age Group, 2025 20.1.1 Buy Now Pay Later by Age Group – Gen Z (15–27) – Gross Merchandise Value Trend Analysis, 2022–2031 20.1.2 Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis, 2022–2031 20.1.3 Buy Now Pay Later by Age Group – Gen X (45–60) – Gross Merchandise Value Trend Analysis, 2022–2031 20.1.4 Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis, 2022–2031 20.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2025 20.3 Buy Now Pay Later Share by Income, 2025 20.3.1 Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis, 2022–2031 20.3.2 Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis, 2022–2031 20.3.3 Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis, 2022–2031 20.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2025 20.5 Buy Now Pay Later Adoption Rationale, 2025 20.6 Buy Now Pay Later Market – Spend by Monthly Expense Segments, 2025 20.7 Buy Now Pay Later – Average Number of Transactions per User Annually, 2025 20.8 Buy Now Pay Later Users as a Percentage of Total Adult Population, 2025 21. Further Reading 21.1 About PayNXT360 21.2 Related Research
Table 1: Retail Industry – Spend Value (US$), 2022-2031 Table 2: Ecommerce Spend Value (US$), 2022-2031 Table 3: Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 4: Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 5: Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 6: Buy Now Pay Later – Revenues (US$ Million), 2022-2031 Table 7: Buy Now Pay Later – Merchant Commission (US$ Million), 2022-2031 Table 8: Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2022-2031 Table 9: Buy Now Pay Later Pay Now & Other Income (US$ Million), 2022-2031 Table 10: Buy Now Pay Later – Active Consumer Base (Thousand), 2022-2031 Table 11: Buy Now Pay Later – Bad Debt (US$ Million), 2022-2025-2031 Table 12: Buy Now Pay Later – Two-party Business Model (US$ Million), 2022-2031 Table 13: Buy Now Pay Later – Third-Party Business Model (US$ Million), 2022-2031 Table 14: Buy Now Pay Later – Convenience (US$ Million), 2022-2031 Table 15: Buy Now Pay Later – Credit (US$ Million), 2022-2031 Table 16: Buy Now Pay Later – Open loop system (US$ Million), 2022-2031 Table 17: Buy Now Pay Later – Closed loop system (US$ Million), 2022-2031 Table 18: Buy Now Pay Later – Standalone (US$ Million), 2022-2031 Table 19: Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2022-2031 Table 20: Buy Now Pay Later – Marketplaces (US$ Million), 2022-2031 Table 21: Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2022-2031 Table 22: Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2022-2031 Table 23: Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 24: Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 25: Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 26: Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 27: Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 28: Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 29: Buy Now Pay Later Retail Shopping - Jewelry – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 30: Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 31: Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 32: Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 33: Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 34: Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 35: Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 36: Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 37: Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 38: Buy Now Pay Later Travel – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 39: Buy Now Pay Later Media & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 40: Buy Now Pay Later Media & Entertainment– Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 41: Buy Now Pay Later Media & Entertainment – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 42: Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 43: Buy Now Pay Later Service– Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 44: Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 45: Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 46: Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 47: Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 48: Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 49: Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 50: Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 51: Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 52: Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Table 53: Buy Now Pay Later Others – Transaction Volume Trend Analysis (Thousand), 2022-2031 Table 54: Total Gift Spend Analysis (US$ Million), 2022-2031 Table 55: Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 56: Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 57: Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 58: Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 59: Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Table 60: Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031
Figure 1: PayNXT360’s Methodology Framework Figure 2: Retail Industry – Spend Value (US$), 2022-2031 Figure 3: Buy Now Pay Later Share of Retail Industry (%), 2022-2031 Figure 4: Ecommerce – Spend Value (US$), 2022-2031 Figure 5: Buy Now Pay Later Share of Ecommerce, 2022-2031 Figure 6: Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 7: Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 8: Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 9: Buy Now Pay Later – Market Share Analysis by Key Players (%), 2025 Figure 10: Buy Now Pay Later – Revenues (US$ Million), 2022-2031 Figure 11: Buy Now Pay Later Share - Revenue Segments (%), 2022-2031 Figure 12: Buy Now Pay Later – Merchant Commission (US$ Million), 2022-2031 Figure 13: Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2022-2031 Figure 14: Buy Now Pay Later Pay Now & Other Income (US$ Million), 2022-2031 Figure 15: Buy Now Pay Later – Active Consumer Base (Thousand), 2022-2031 Figure 16: Buy Now Pay Later – Bad Debt (US$ Million), 2022-2025-2031 Figure 17: Buy Now Pay Later Spend Analysis by Business Model (%), 2022-2031 Figure 18: Buy Now Pay Later – Two-party Business Model (US$ Million), 2022-2031 Figure 19: Buy Now Pay Later – Third-Party Business Model (US$ Million), 2022-2031 Figure 20: Buy Now Pay Later Spend Analysis by Purpose (%), 2022-2031 Figure 21: Buy Now Pay Later – Convenience (US$ Million), 2022-2031 Figure 22: Buy Now Pay Later – Credit (US$ Million), 2022-2031 Figure 23: Buy Now Pay Later Spend Analysis by Merchant Ecosystem (%), 2022-2031 Figure 24: Buy Now Pay Later – Open loop system (US$ Million), 2022-2031 Figure 25: Buy Now Pay Later – Closed loop system (US$ Million), 2022-2031 Figure 26: Buy Now Pay Later Spend Analysis by Distribution Model (%), 2022-2031 Figure 27: Buy Now Pay Later – Standalone (US$ Million), 2022-2031 Figure 28: Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2022-2031 Figure 29: Buy Now Pay Later – Marketplaces (US$ Million), 2022-2031 Figure 30: Buy Now Pay Later – Gross Merchandise Value Market Share by Channel (%), 2022-2031 Figure 31: Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2022-2031 Figure 32: Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2022-2031 Figure 33: Buy Now Pay Later – Market Share by End-Use Sector (%), 2025 Figure 34: Buy Now Pay Later – Market Share by End-Use Segment (%), 2025 Figure 35: Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 36: Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 37: Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 38: Buy Now Pay Later – Market Share by Retail Product Category (%), 2025 Figure 39: Buy Now Pay Later by Retail Product Categories – Average Order Value Trend Analysis (US$), 2025 Figure 40: Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 41: Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 42: Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 43: Buy Now Pay Later Retail Shopping - Jewelry– Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 44: Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 45: Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 46: Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 47: Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 48: Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 49: Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 50: Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 51: Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 52: Buy Now Pay Later Travel – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 53: Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 54: Buy Now Pay Later Media & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 55: Buy Now Pay Later Media & Entertainment – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 56: Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 57: Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 58: Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 59: Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 60: Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 61: Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 62: Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 63: Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 64: Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 65: Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 66: Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis (US$), 2022-2031 Figure 67: Buy Now Pay Later Others – Transaction Volume Trend Analysis (Thousand), 2022-2031 Figure 68: Buy Now Pay Later – Share by Age Group in Value Terms (%), 2025 Figure 69: Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 70: Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 71: Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 72: Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 73: Buy Now Pay Later – Share by Default Rate by Age Group in Value Terms (%), 2025 Figure 74: Buy Now Pay Later – Share by Income Group in Value Terms (%), 2025 Figure 75: Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 76: Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 77: Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2022-2031 Figure 78: Buy Now Pay Later – Share by Gender in Value Terms (%), 2025 Figure 79: Buy Now Pay Later – Adoption Rationale by Value, 2025 Figure 80: Buy Now Pay Later – Average Monthly Expense Segments, 2025 Figure 81: Buy Now Pay Later – Average Number of Transactions per User Annually (No. of Transactions), 2025 Figure 82: Buy Now Pay Later Users as a Percentage of Total Adult Population (%), 2025
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