The 2026 market is led by several major players, each catering to different shopping needs:
Merchants offering BNPL options see a 15–40% increase in AOV, with some sectors reporting that omnichannel users spend up to 72% more per transaction . buy now pay later no money down
The "pay-in-four" model remains the standard, used by over 80% of fintech customers . The 2026 market is led by several major