The next stage of Pay Later may look less like a single checkout button and more like a credit menu built for different kinds of buyers. That is one of the clearest signals from “Pay Later Revolution: Redefining the Credit Economy,” a PYMNTS Intelligence Framework Series report...
The worlds of private credit and buy now, pay later (BNPL) loans are increasingly interlinked. And as Bloomberg News reported Sunday (June 28), the overlap between these “more opaque” sections of the financial world has caught the notice of credit rating agencies, former regulators and others mindful...
The original buy now, pay later (BNPL) model was a merchant-centric one. Providers generated growth by embedding financing options directly into shopping experiences, and success was measured by checkout conversion and retail partnerships. But new findings in the latest 2026 edition of the Pay Later Ecosystem...
“The Pay Later Ecosystem Report: Consumers Will Let AI Recommend Pay Later, But They Want Control” examines how artificial intelligence could change the way consumers choose Pay Later options at checkout. Based on a survey of 2,034 U.S. consumers conducted March 30–April 14, 2026, the...
Rent doesn’t wait for payday. As shelter costs continue to climb and consume a larger share of household budgets, consumers are looking for ways to better align fixed monthly obligations with the timing of their income. The latest Consumer Price Index data, released Wednesday (June...
Bank of America introduced a credit card feature to let clients pay over time. The bank’s Custom Pay Plan is one of three new offerings, along with a new loyalty program and credit monitoring services, according to a Wednesday (June 10) press release. “With these...
Pay later provider Affirm has launched an expanded partnership with payments infrastructure company Stripe. The collaboration is designed to bring Affirm’s solutions to U.K.-based Stripe merchants for the first time, the companies said in a Tuesday (June 2) news release. Beginning next month, U.K. businesses using Stripe will be...
Buy now, pay later is one of the most accessible financial tools available to American consumers today. It requires no minimum credit score for standard products, typically involves a soft credit pull that doesn’t affect a consumer’s credit score, takes seconds to apply for at...
Financing as a mechanism to close a transaction, but newer evidence suggests installments may be influencing whether the transaction happens at all. In PYMNTS Intelligence’s “Financing the Decision: How BNPL and Installments Reshape Merchant Choice,” 2,763 U.S. consumers provided insight into how the availability of...