The Ultimate Guide to Buy Now Pay Later
A curated UK edition of TechDay news, analysis, interviews, reviews, job moves, and related resources for Buy Now Pay Later (BNPL).
What to know about Buy Now Pay Later
Buy Now Pay Later (BNPL) is a payment method that allows consumers to purchase goods and services immediately while spreading the cost over time through instalments. This option is increasingly popular worldwide, driven by its convenience and flexibility, particularly among younger shoppers like Gen Z who are turning away from traditional credit cards.
The BNPL landscape is rapidly evolving with new partnerships, market expansions, and regulatory changes shaping its use. Readers can explore stories on how companies like Afterpay, Klarna, and Zip are growing BNPL services across different regions, how merchants are integrating these options to boost sales, and the impact of new rules starting in 2025 that aim to offer consumer protections while also creating questions about credit reporting and borrowing effects.
BNPL also intersects with wider trends in digital payments and fintech, including the rise of embedded finance, digital wallets, and new B2B payment platforms. However, readers should also be aware of potential risks highlighted in recent reports, such as the financial strain on vulnerable consumers and challenges with fraud and policy abuse. By following this tag, readers gain insights into the opportunities and challenges of BNPL and how it is reshaping modern retail and consumer finance.
UK Buy Now Pay Later News
Regional stories with direct local relevance
UK firms lack records of vulnerable customer support
Despite widespread confidence about FCA scrutiny, most firms still cannot quickly produce searchable evidence of support for vulnerable customers.
Experian Boost adds rent & BNPL to UK credit checks
UK renters and BNPL users can now see how those payments may affect their credit profile before applying for loans or mortgages.
Ecommerce needs to realise the role of inclusive finance as it adjusts to a new credit challenge
Affordability checks could turn away up to 30% of BNPL users, risking abandoned baskets and weaker sales for retailers.
Amazon launches instalment payments with Affirm in UK
Shoppers on Amazon.co.uk will be able to spread eligible purchases over up to 48 months, with instant credit checks and no late fees.
HES FinTech expands UK payments deal with Acquired
Lenders using HES LoanBox and CollectionAgent will gain more repayment and payout options through a single integration, reducing friction for borrowers.
Most crypto social posts breach FCA rules, study finds
UK regulators may soon tighten scrutiny, after a study found 89% of top crypto posts on social media breached FCA promotion rules.
Analyst Insights
Research and market analysis connected to Buy Now Pay Later
Expert Columns
Ecommerce needs to realise the role of inclusive finance as it adjusts to a new credit challenge
Intelligent flexible Payments: A new approach to reducing preventable debt
Solving the retail generational buying gap one basket at a time
Credit Reimagined: Why the future of banking needs smarter credit systems
Recent Buy Now Pay Later News
Singapore merchants see gaming demand surge on PayPal
Cross-border demand for Singapore sellers is broadening as gaming becomes a top draw, with PayPal handling more than 11 million buyers a year.
TNS expands payment platform for unattended commerce
Unattended merchants risk losing sales when customers cannot pay with their preferred method, prompting TNS to add over 100 alternatives.
Ecommpay adds Klarna to platform in single integration
Merchants can now offer Klarna's instalment and deferred-payment options through Ecommpay without extra technical work or separate systems.
TBC Bank Uzbekistan expands Salom card with UZCARD
The move gives Uzbek customers another domestic payment option, with up to one million new cards set to offer ATTO transport discounts and cashback.
Appcharge study finds local acquiring lifts gaming payments
Local banks approved in-country gaming payments 8.4 percentage points more often than cross-border routes, Appcharge said.
Credolab joins FICO Marketplace for behavioural credit
Borrowers with thin credit files could be easier to score as FICO clients gain access to Credolab's behavioural risk and fraud tools.
Klarna expands in-store payments at Garage & Dynamite
Shoppers at more than 300 GARAGE and DYNAMITE stores in Canada, the United States and the United Kingdom can now split payments in the Klarna app.
Yuno raises USD $45 million to expand global payments
The fresh capital will help Yuno widen its payments network, add products and edge closer to profitability as it scales worldwide.
Topps Tiles launches trade app for UK professionals
Trade professionals across the UK can now check stock, track orders and manage purchases on mobile as Topps Tiles expands digital services.
Simba Sleep lifts approvals with Snap Finance deal
More shoppers are completing mattress purchases after a second lender approved 17% of Simba's first-line declines, lifting order values by 50%.
Chargeback costs push more merchants to raise prices
More merchants are passing chargeback losses on to shoppers as dispute costs now exceed four times the value of transactions, a study found.
Rezolve Ai partners Zilch on retail offers platform
Nearly 6 million Zilch users will see retail offers and rewards embedded in their payments journey as Rezolve Ai widens Reward's reach.
PayPal adds new Pay in 30 Days option for UK shoppers
The fee-free option gives eligible UK shoppers up to 30 days to settle online purchases from GBP £1 to GBP £900 at checkout.
Merchants urged to check BNPL compliance at checkout
Shoppers could face clearer repayment terms and stricter affordability checks as UK oversight of buy now, pay later products tightens.
Most Buy Now, Pay Later users unaware of new UK rules
Many shoppers could soon face affordability checks at checkout as 59% of BNPL users say they have not heard of the new rules.
BNPL use among PayPlan customers rises 3,793% in UK
Awareness of new rules remains low even as PayPlan customers increasingly use buy now, pay later to cover everyday household costs.
Float launches card-linked instalments in UK market
Shoppers with spare card headroom can now spread bigger purchases over 12 months, as Float enters the UK with Visa and Mastercard support.
Flix expands Klarna payments across 21 US & Europe markets
Travellers on Flix services in 21 markets can now spread ticket costs over time as Klarna rolls out across Europe and the US.
Klarna partners Money Wellness on free Money MOT checks
The tie-up puts debt and budgeting advice inside a major shopping app, giving UK users an early route to free financial support.
Friendly fraud drives up merchant costs, report finds
Merchant prices are being pushed higher as friendly fraud and chargeback costs intensify, with more than 83% reporting rises over three years.