You typically pay a small down payment (often 25%) immediately, then settle the remaining balance in fixed installments—most commonly every two weeks or monthly.
The retailer gets paid in full by the BNPL provider upfront, minus a merchant fee. Popular BNPL Platforms (2026) buy now pay later shopping websites
Buy Now, Pay Later (BNPL) is a short-term financing option that allows you to make purchases and pay for them in smaller, typically interest-free installments over time. It has gained massive popularity as a fast, digital-first alternative to traditional credit cards. You typically pay a small down payment (often