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United States Buy Now Pay Later Business and Investment Opportunities

United States Buy Now Pay Later Business and Investment Opportunities

The BNPL market in the United States gained a significant attraction in the last decade. One of the primary reasons for this is the favorable regulatory framework. Government support and increasing de...

United States Buy Now Pay Later Business and Investment Opportunities – 75+ KPIs on Buy Now Pay Later Trends by End-Use Sectors, Operational KPIs, Market Share, Retail Product Dynamics, and Consumer Demographics
Summary
The BNPL market in the United States gained a significant attraction in the last decade. One of the primary reasons for this is the favorable regulatory framework. Government support and increasing demand make the BNPL market a lucrative investment opportunity for many domestic and international companies. Moreover, the ease of doing business in the BNPL sector is encouraging large financial institutes and banks to expand their business in this segment. According to PayNXT360’s Q2 2021 BNPL Survey, BNPL payment in the country is expected to grow by 71.5% on annual basis to reach US$ 697.1 million in 2021.

BNPL providers are taking several strategic initiatives to increase to gain market share in the United States. From mergers and acquisitions to launching a new payment gateway for simplified BNPL enablement are some of the key strategies that helped BNPL players to extend their product offerings to new merchants in the market. For instance,
 
In April 2021, the homegrown BNPL firm, Affirm announced the acquisition of Returnly, a return payment platform. In a deal valued at US$300 million, the acquisition of Returnly shows how BNPL providers are mapping out their growth strategies by moving beyond just being a digital form of layaway.

Primarily focused on the consumer segment, the BNPL sector has also started to gain momentum in the B2B space. Notably, leading consumer-focused BNPL brands are creating spinout products for their entry into the B2B space. For instance, 

San Francisco-based Affirm spinout, Resolve, launched a new BNPL product for B2B transactions. Since its launch in 2019, the B2B deferred payment solution has seen significant demand for its flexible payment solution targeted towards business purchases. Resolve has built an automated underwriting process, helping the BNPL platform with faster invoice payment and, subsequently, improved cash flow.

Medium to long term growth story of BNPL industry in United States remains strong. The BNPL payment adoption is expected to grow steadily over the forecast period, recording a CAGR of 27.2% during 2021-2028. The BNPL Gross Merchandise Value in the country will increase from US$ 25272.2 million in 2020 to reach US$ 224729.6 million by 2028.
Scope
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in United States. Below is a summary of key market segments:
United States BNPL Market Size and Spending Pattern
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis 

United States Buy Now Pay Later Market Share Analysis by Key Players
United States Buy Now Pay Later Spend Analysis by Channel: Market Size and Forecast
•	Online Channel
•	POS Channel
United States Buy Now Pay Later in Retail Shopping: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis 
United States Buy Now Pay Later in Home Improvement: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
United States Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
United States Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
United States Buy Now Pay Later in Education: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
United States Buy Now Pay Later in Automotive: Market Size and Forecast
•	Gross Merchandise Value Trend Analysis 
•	Average Value Per Transaction Trend Analysis 
•	Transaction Volume Trend Analysis
United States Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
•	Buy Now Pay Later Sales Uplift by Product Category
•	Buy Now Pay Later Spend Share by Age Group
•	Buy Now Pay Later Gross Merchandise Share by Income 
•	Buy Now Pay Later Gross Merchandise Value Share by Gender
•	Buy Now Pay Later Adoption Rationale Gross Merchandise Value Analysis
Reason to buy
• In the United States, BNPL providers are taking strategic initiatives to attract new merchants. In April 2021, the homegrown BNPL firm, Affirm announced the acquisition of Returnly, a return payment platform. In a deal valued at US$300 million, the acquisition of Returnly shows how BNPL providers are mapping out their growth strategies by moving beyond just being a digital form of layaway.

• In-depth Understanding of Buy Now Pay Later Market Dynamics: Understand market opportunities and key trends along with forecast (2019-2028). Understand market dynamics through essential KPIs such as Gross Merchandise Value, Volume, and Average Value Per Transaction.

• Insights into Opportunity by end-use sectors – Get market dynamics by end-use sectors to assess emerging opportunity across various end-use sectors.

• Develop Market Specific Strategies: Identify growth segments and target specific opportunities to formulate BNPL strategy; assess market specific key trends, drivers, and risks in the BNPL industry.

• Get Insights into Consumer Attitude and Behaviour: Drawing from proprietary survey results, this report identifies and interprets key Buy Now Pay Later KPIs, including spend by age, gender, and income level.

• Market Share by Key Players.
Table of Contents
 1. About this Report
1.1 Summary
1.2 Methodology
1.3 Disclaimer

2. United States BNPL Market Size and Future Growth Dynamics
2.1 Consumer Behavior
2.2 Competitive Landscape and Growth Strategies
2.3 Market Share
2.4 Regulatory Trends

3. United States Buy Now Pay Later Industry Attractiveness
3.1 United States Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2019-2028
3.2 United States Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2019-2028
3.3 United States Buy Now Pay Later – Transaction Volume Trend Analysis, 2019-2028

4. United States Buy Now Pay Later Operational KPIs
4.1 Buy Now Pay Later Revenues, 2019 – 2028
4.2 Buy Now Pay Later Share by Revenue Segments
4.3 Buy Now Pay Later Merchant Commission, 2019 – 2028
4.4 Buy Now Pay Later Missed Payment Fee Revenue, 2019 – 2028
4.5 Buy Now Pay Later Pay Now & Other Income, 2019 – 2028
4.6 Buy Now Pay Later Consumer Account Count, 2019 – 2028
4.7 Buy Now Pay Later Bad Debt, 2019 – 2028

5. United States Buy Now Pay Later Spend Analysis by Channel
5.1 Buy Now Pay Later Market Share by Channel, 2019 – 2028
5.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2019 – 2028
5.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2019 – 2028

6. United States Buy Now Pay Later Snapshot by End-Use Sector
6.1 Buy Now Pay Later Market Share by End-Use Sector – Emerging Avenues and Future Growth Prospects
6.2 Buy Now Pay Later Sales Uplift by End-Use Sector
6.3 Buy Now Pay Later Share by Retail Product Category

7. United States Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2019 – 2028
7.1 United States Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2019-2028
7.2 United States Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2019-2028
7.3 United States Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2019-2028

8. United States Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2019 – 2028
8.1 United States Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2019-2028
8.2 United States Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2019-2028
8.3 United States Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2019-2028

9. United States Buy Now Pay Later in Leisure & Entertainment: Market Size and Forecast, 2019 – 2028
9.1 United States Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis, 2019-2028
9.2 United States Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis, 2019-2028
9.3 United States Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis, 2019-2028

10. United States Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2019 – 2028
10.1 United States Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2019-2028
10.2 United States Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2019-2028
10.3 United States Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2019-2028

11. United States Buy Now Pay Later in Other Segment: Market Size and Forecast, 2019 – 2028
11.1 United States Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis, 2019-2028
11.2 United States Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis, 2019-2028
11.3 United States Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis, 2019-2028

12. United States Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
12.1 Buy Now Pay Later Spend Share by Age Group
12.2 Buy Now Pay Later Gross Merchandise Share by Income
12.3 Buy Now Pay Later Gross Merchandise Value Share by Gender
12.4 Buy Now Pay Later Adoption Rationale Gross Merchandise Value Analysis

13. Further Reading
13.1 About PayNXT360
13.2 Related Research
List Of Table
Table 1: United States Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 2: United States Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 3: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 4: United States Buy Now Pay Later – Revenues (Million), 2019-2028
Table 5: United States Buy Now Pay Later – Merchant Commission (Million), 2019-2028
Table 6: United States Buy Now Pay Later – Missed Payment Fee Revenue (Million), 2019-2028
Table 7: United States Buy Now Pay Later Pay Now & Other Income (Million), 2019-2028
Table 8: United States Buy Now Pay Later – Consumer Account Count, 2019-2028
Table 9: United States Buy Now Pay Later – Bad Debt (Million), 2019-2028
Table 10: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 11: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Table 12: United States Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 13: United States Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 14: United States Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2019-2028
Table 15: United States Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 16: United States Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 17: United States Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Table 18: United States Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 19: United States Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 20: United States Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Table 21: United States Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 22: United States Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 23: United States Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Table 24: United States Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Table 25: United States Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Table 26: United States Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
List of figures
Figure 1: PayNXT360’s Methodology Framework
Figure 2: United States Buy Now Pay Later – GMV and Adoption Rationale
Figure 3: United States Buy Now Pay Later – Share by Gender and Age Group
Figure 4: United States Buy Now Pay Later – Market Share Analysis by Key Players (%)
Figure 5: United States Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 5019-5058
Figure 6: United States Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 7: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 8: United States Buy Now Pay Later – Revenues (Million), 2019-2028
Figure 9: Buy Now Pay Later Share by Revenue Segments
Figure 10: United States Buy Now Pay Later – Merchant Commission (Million), 2019-20210
Figure 11: United States Buy Now Pay Later – Missed Payment Fee Revenue (Million), 20111-20211
Figure 12: United States Buy Now Pay Later Pay Now & Other Income (Million), 20112-2028
Figure 13: United States Buy Now Pay Later – Consumer Account Count, 2019-2028
Figure 14: United States Buy Now Pay Later – Bad Debt (Million), 2019-2028
Figure 15: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 16: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 17: United States Buy Now Pay Later – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 18: United States Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2025
Figure 19: United States Buy Now Pay Later – Market Share by End-Use Sector, 2018 Vs. 2028
Figure 20: United States Buy Now Pay Later – Market Share by End-Use Sector, 2020 Vs. 2025
Figure 21: United States Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2028
Figure 22: United States Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2222-2228
Figure 23: United States Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Million), 2319-2328
Figure 24: United States Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 25: United States Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 26: United States Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 27: United States Buy Now Pay Later Leisure & Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 28: United States Buy Now Pay Later Leisure & Entertainment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 29: United States Buy Now Pay Later Leisure & Entertainment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 30: United States Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2030
Figure 31: United States Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2019-2031
Figure 32: United States Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 33: United States Buy Now Pay Later Other Segment – Gross Merchandise Value Trend Analysis (US$ Million), 2019-2028
Figure 34: United States Buy Now Pay Later Other Segment – Average Value Per Transaction Trend Analysis (US$), 2019-2028
Figure 35: United States Buy Now Pay Later Other Segment – Transaction Volume Trend Analysis (Million), 2019-2028
Figure 36: United States Buy Now Pay Later – Share by Age Group in Gross Merchandise Value Terms
Figure 37: United States Buy Now Pay Later – Share by Income Group in Value Terms
Figure 38: United States Buy Now Pay Later – Share by Gender in Value Terms
Figure 39: Buy Now Pay Later – Adoption Rationale Gross Merchandise Value Analysis
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