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: By 2025, BNPL is projected to account for 9% of North American e-commerce purchase value, up from 4% in 2021.

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: Concerns over "data mining" and how these platforms use consumer data to encourage incremental sales. : By 2025, BNPL is projected to account

: While on-time payments are often not reported, late payments or defaults are frequently shared with credit bureaus, which can negatively impact credit scores. PayPal's Current Status : By 2025

As of early 2026, the BNPL sector continues to grow, though the pace has slowed compared to previous years.