: Captures 21.9% of the market . It is often used for larger purchases, offering longer-term financing with interest rates ranging from 0% to 36% .
: Used by 21.5% of shoppers . It provides a dedicated app that allows users to "shop anywhere," even at stores that don't natively offer BNPL, by using one-time virtual cards. 🏬 Major Stores Accepting BNPL buy pay later online stores
: Starting July 15, 2026 , new regulations from authorities like the Financial Conduct Authority (FCA) will require lenders to be officially authorized and follow stricter rules to protect consumers. 💡 Smart Shopping Tips : Captures 21