Payment solutions in the U.S. have evolved dramatically over the last decade. While credit cards remain the dominant force, new technologies are reshaping how consumers pay—online and in-store. Merchants and service providers today must navigate a complex landscape. Traditional cards offer reliability and universal acceptance, but they come with high fees, limited approval rates for subprime customers, and a growing perception gap—especially among Gen Z and younger millennials. That’s where Buy Now Pay Later (BNPL) enters the scene.
As a more flexible alternative, BNPL has carved a space as both a complement and a competitor to credit cards. In some verticals—like retail, dental, jewelry, or elective care—BNPL even outperforms cards in terms of conversion and average cart size. But is BNPL cannibalizing credit card sales? Not entirely. For many businesses, the smartest move is to offer both, allowing customers to choose based on their preferences, limits, and credit eligibility. The rise of BNPL gateways also makes it easier to offer multi-lender solutions that work across a wide credit spectrum.
In this section, you’ll find articles that explore key trends in payment strategies—BNPL vs credit card processing, seasonal sales dynamics, in-store vs online behavior, and more. Whether you’re upgrading your checkout flow or just exploring your options, this tag offers practical insights to help you grow. Looking for specific approaches? Browse related topics like BNPL Solutions, BNPL Gateway, or Consumer Financing.
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