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Source document· February 3, 2026

United States Buy Now Pay Later Business Report 2026: A $258.4 Billion by 2031 from $107.38 Billion in 2025 Featuring PayPal, Afterpay, Affirm, Klarna, and Zip

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United States Buy Now Pay Later Business Report 2026: A $258.4 Billion by 2031 from $107.38 Billion in 2025 Featuring PayPal, Afterpay, Affirm, Klarna, and Zip Dublin, Feb…
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  • The market is forecast to grow at a CAGR of 15.1% from 2026-2031, expanding from USD 107.38 billion in 2025 to approximately USD 258.40 billion by end of 2031

    80% confidence

  • Competitive intensity will increase as banks deepen instalment capabilities and wallets embed issuer-based BNPL

    80% confidence

  • The buy now pay later market achieved a CAGR of 23.8% during 2022-2025

    80% confidence

  • The BNPL payment market in United States is expected to grow by 19.1% on annual basis to reach US$127.94 billion in 2026

    80% confidence

  • BNPL delivery is expected to converge further with card and wallet infrastructure, reducing standalone differentiation and favouring firms with strong ecosystem partnerships

    80% confidence

  • Roughly one-fifth of consumers with a credit record used BNPL in 2022

    80% confidence

  • BNPL users are more likely to have subprime or deep-subprime credit scores and higher balances on other unsecured debt

    80% confidence

  • U.S. shoppers used BNPL for about $10.1 billion in spending between early November and Cyber Monday 2025, up around 9% year on year

    80% confidence
What we know · the intelligence behind this page
Live from the substrate
What we're seeing
The Agentic Takeover of the CFO's Office
Enterprise finance software vendors—BlackLine, OneStream, Numero AI, and Oracle—are racing to embed autonomous AI agents into core financial operations (close, consolidation, reporting), backed by consolidation M&A (Numero-Royu, BlackLine-WiseLayer), fresh leadership hires, and survey data showing nearly a quarter of CFOs plan to boost AI spending over 50%. Adoption momentum is strong even as at least one bellwether (Oracle) sees its stock lag year-to-date, suggesting the market hasn't yet fully priced in the shift from AI-as-feature to AI-as-agent in finance.
Our read on the data ›
Signals we're tracking
Satellite-Terrestrial Network Integration Acceleration
Increased investment and launches in hybrid satellite-cellular networks across telecom industry; competitive responses from other carriers; regulatory activity around satellite spectrum; expansion of emergency/rural connectivity use cases
Patterns we're watching ›
Where sources disagree
Morgan Stanley & Co. LLC
Two significantly different EPS values (10.21 vs 2.68 USD_per_share) are reported for Morgan Stanley on the same observation date (2025-12-31). Fact A specifies FY 2025, while Fact B's 'N/A' fiscal period is ambiguous. If both represent FY 2025 annual EPS, these values directly conflict. The magnitude of the difference (3.8x) is too large to attribute to rounding or minor calculation variations. The missing fiscal period in Fact B raises data quality concerns, but same-date observation + same attribute should reference the same period.
We flag conflicts openly ›
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United States Buy Now Pay Later Business Report 2026: A $258.4 Billion by 2031 from $107.38 Billion in 2025 Featuring PayPal, Afterpay, Affirm, Klarna, and Zip — Source | Via News | Finance Via News