June 2026 BNPL survey

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June 2026 BNPL survey

Accessible version

Payments, Processors & IT Services

Industry Overview

Survey of 1,200+ BNPL users 13 July 2026

We surveyed 1,263 US BNPL users to better understand how consumers are using BNPL, Equity

who is gaining traction, and how the product is influencing payment preferences, United States

shopping behavior, and credit dynamics. 7,422 people were surveyed to find the 1,263 Payments, Processors & IT Services

who had used BNPL, implying 17% utilization. Overall, the survey suggests BNPL is Matthew C. O'Neill

becoming increasingly embedded in the payment experience, though cards remain the Research Analyst

dominant online payment method. Debit and credit cards were the most commonly used BofAS+1 646 855 1681

non-BNPL payment methods for online purchases over the past 12 months, while 34% matthew.c.oneill@bofa.com

of respondents cited cards as their preferred online payment option vs. 24% for BNPL. Mihir Bhatia

Research Analyst

PYPL is the most widely used BNPL BofAS+1 415 436 3553

Provider usage was relatively broad-based. PayPal Pay in 4 was the most widely used mihir.bhatia@bofa.com

BNPL provider, with 51% of respondents reporting use over the past 12 months, closely Caroline Latta Research Analyst

followed by Afterpay / Cash App Afterpay at 44%, Affirm at 44%, and Klarna at 40%. BofAS

PayPal and Afterpay likely benefit from broader platform ecosystems and existing user caroline.latta@bofa.com

bases, while Affirm and Klarna remain highly relevant as BNPL-first platforms. Lawrence Aydlett Research Analyst

Separately, 79% of respondents said they sometimes or often check a BNPL provider’s BofAS

app for offers before making a purchase, supporting the view that BNPL apps are lawrence.aydlettjr@bofa.com