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
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%.
UK fintech faces tougher oversight as rules tighten
Regulators are widening scrutiny of digital finance, forcing UK fintechs to overhaul cloud, payments and data strategies to meet tougher standards.
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.
Analyst Insights
Research and market analysis connected to Buy Now Pay Later
Expert Columns
Recent Buy Now Pay Later News
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.
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.
Solving the retail generational buying gap one basket at a time
Retailers risk missing out on Gen Z's rising spend unless they fix legacy systems and align stock, finance and service to changing habits.
UK borrowers mix credit, debit & BNPL as habits shift
Consumers and small firms are mixing cards, debit and Buy Now, Pay Later as lenders struggle to keep pace with changing borrowing habits.
Affirm & Stripe expand UK pay-over-time partnership
British Stripe merchants will add instalment payments at checkout from July, as Affirm broadens its reach and competes for online sales.
TrueLayer acquires In3 to add credit to Pay by Bank
European merchants will gain a bank-based alternative to card lending as TrueLayer folds Dutch fintech In3 into its checkout network.
emerchantpay adds Visa Instalments for UK merchants
UK merchants could see fewer abandoned baskets as emerchantpay adds card-linked instalments at checkout for eligible Visa shoppers.
Ecommpay flags payment design as key to lost bookings
Flawed payment design is costing UK online travel agencies up to GBP £16.5 billion in lost bookings, Ecommpay's new benchmark report warns.
'Pay by Bank' awareness falls as usage soars in UK
UK awareness of 'Pay by Bank' has plunged even as open banking payments surge, sparking calls for a single, standardised label at checkout.
FCA confirms final BNPL rules, fintech sector welcomes move
FCA unveils final BNPL rules from July 2026, bringing sector under regulation as fintechs hail a proportionate, consumer-focused regime.
FCA sets stricter UK rules for buy now, pay later firms
The FCA will bring buy now, pay later under tougher UK rules from July 2026, forcing stricter checks and clearer protections for borrowers.
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Raylo raises GBP £30m & seals LG UK subscription deal
Raylo secures GBP £30m funding and inks LG TV and audio subscription deal as it eyes UK growth and a 2026 launch in the US market.
Credit Reimagined: Why the future of banking needs smarter credit systems
UK banks face credit innovation hurdles as outdated systems delay new features; modern credit platforms offer agility and growth in a fast-changing market.
Mobile wallets rise among young UK shoppers as card use persists
Mobile wallets are gaining popularity with young UK shoppers, while older generations continue to prefer debit and credit cards for online purchases.
Retailers urged to boost week-long deals as Black Friday peaks shift
Retailers are urged to extend Black Friday deals across the week as 2024 data shows shopping peaks shifting to earlier in the week and conversions rising to 5.3%.
UK consumers & SMBs seek smarter, flexible payment solutions
UK consumers and SMBs increasingly seek flexible, AI-powered payment solutions that offer personalised convenience and support cash flow amid funding challenges.
UK credit card balances rise as payment rates decrease in June
UK credit card balances climbed to an average GBP £1,885 in June as spending rose 4.6%, while payment rates fell, signalling financial strain for many households.