The CFPB’s decision to dial down enforcement of BNPL and other nonbank credit products hasn’t created a vacuum. It has invited fifty competing rulebooks to take its place.
In 2026, Buy Now, Pay Later stops being a checkout feature and becomes working capital for the modern middle class, replacing overdraft and late fees as the default way paycheck-to-paycheck consumers manage timing gaps between income and expenses.
Merchants using Gr4vy’s cloud-based payment orchestration platform can now offer Affirm’s flexible payment options to eligible customers through online and mobile channels. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional...
Pay Later has stopped being a seasonal convenience and started to look like a standing line item in how many households manage money. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no...
January 08, 2026
In 2026, Buy Now, Pay Later stops being a checkout feature and becomes working capital for the modern middle class, replacing overdraft and late fees as the default way paycheck-to-paycheck consumers manage timing gaps between income and expenses.
January 05, 2026
Pay Later has stopped being a seasonal convenience and started to look like a standing line item in how many households manage money. Get the Full Story Complete the form...
December 29, 2025
On the eve of the COVID-19 pandemic, large banks were jolted by the sudden rise of a new credit alternative. That 2019, buy now, pay later option from specialized providers...
December 09, 2025
Consumers are reshaping how they use credit, and PYMNTS Intelligence data shows that installment plans are becoming a central tool for managing cash flow in both predictable and discretionary spending....
January 07, 2026
Merchants using Gr4vy’s cloud-based payment orchestration platform can now offer Affirm’s flexible payment options to eligible customers through online and mobile channels. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By […]
December 16, 2025
Revolve Group, a fashion retailer for millennial and Generation Z consumers, now offers Affirm’s flexible payment options to shoppers in Canada and the United Kingdom. Get the Full Story Complete...
December 16, 2025
Mastercard and LoanPro plan to launch a program that will enable lenders to deliver installment loans through virtual and physical cards. Get the Full Story Complete the form to unlock...
December 09, 2025
Sweden-based flexible payments provider Klarna has extended its relationship with Apple to two new countries. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS...
