Buy Now Pay Later (BNPL) lets customers delay or split their payments without using credit cards. It offers flexible financing at checkout, often through interest-free plans. In 2025, BNPL became a key part of the customer journey in industries like retail, healthcare, home improvement, and tax resolution.
These valuable payment options help businesses improve conversion rates, reduce friction, and increase average order value. For consumers, they offer more control and freedom to buy what they need, when they need it. In the US market, BNPL companies and services come in many forms. Some are built for fast online purchases. Others focus on higher-ticket transactions or recurring services. Some providers act as direct lenders. Others work as platforms that connect businesses with multiple financing partners. Understanding how each model works is key to choosing the right fit for your business.
In this section, you’ll find insights into BNPL trends, customer behavior, provider comparisons, and implementation strategies. Whether you’re exploring BNPL for the first time or refining your current offer, these articles will help you drive through the today’s consumer financing landscape. The BNPL market in the U.S. is evolving fast. New technologies and providers appear every year. Making the right choice today can shape your customer experience—and your growth—for years to come.
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