Clearly Payments

OCTOBER 31, 2024

From traditional options like credit cards to emerging solutions such as cryptocurrencies and biometrics, each payment method comes with unique advantages that cater to varying consumer needs. Market Growth : BNPL saw a 400% increase in usage globally since 2018 and is expected to grow 17% annually through 2028.

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Online and Mobile Banking RTP BNPL Debit Card 98

The Payments Association

DECEMBER 16, 2024

Eligible cardholders and Mastercard users can access instalment options for any eligible credit card, making purchases easier and more flexible than ever. Integrating BNPL services, however, often presents significant challenges. 1 As always, consumer trust plays a major role in adoption.

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Visa Product BNPL Credit Cards 88

Clearly Payments

MARCH 14, 2025

A credit card transaction is a process involving multiple entities, complex technology, and rigorous security protocols. This article covers the anatomy of a credit card transaction and provides insight into the technological infrastructure that supports modern commerce. credit card payments surpassed $10.6

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Credit Cards Transactions PCI DSS Online and Mobile Banking 52

Clearly Payments

NOVEMBER 6, 2024

market’s total transaction volume in 2023 was over $10 trillion, encompassing credit and debit card transactions as well as Automated Clearing House (ACH) payments. Credit Card Transaction Volume : Credit card payments specifically accounted for around $5.6 Credit cards accounted for around $5.6

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Process ISOs Credit Cards Online and Mobile Banking 105

Finextra

FEBRUARY 27, 2024

American Express has launched ‘Plan It’ – a new offering for the UK market that allows credit card holders to pay off purchases on their statement, or a portion of their monthly bill, in instalments.

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Credit Cards BNPL 122

Finextra

MAY 22, 2024

The US Consumer Financial Protection Bureau has ruled that buy now, pay later lenders should be treated in the same way as credit cards.

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Credit Cards Rules CFPB BNPL 122

Payments Dive

MARCH 10, 2022

Some consumers are charging buy now-pay later installment payments to their credit cards, and that should serve as a "warning flag" to regulators, said three economists who authored the research paper.

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BNPL Credit Cards Authorization Regulations 190

Fintech News

SEPTEMBER 29, 2024

BNPL fraud in Southeast Asia is seeing a rapid rise with fraudsters exploiting weaknesses in these platforms and developing sophisticated methods to deceive users for financial gain. In these BNPL fraud schemes, borrowers in need of cash agree to use their BNPL credit to pay bills for lenders, expecting a cash transfer minus a small fee.

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BNPL Scams Identity Theft Non-Bank 131

Payments Dive

MARCH 31, 2025

The buy now, pay later industry sued to block the consumer-friendly rule, arguing that the services are not the same as those offered via credit cards.

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Rules CFPB BNPL Blocks 151

Payments Dive

FEBRUARY 27, 2025

consumers found that more of them used buy now, pay later products than credit cards during the holiday shopping season last year. Power survey of about 4,300 U.S.

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Credit Cards BNPL Product Consumer 97

Payments Dive

MAY 21, 2024

“Whether a shopper swipes a credit card or uses Buy Now, Pay Later, they are entitled to important consumer protections under longstanding laws and regulations,” CFPB Director Rohit Chopra said.

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Credit Cards CFPB BNPL Consumer Protection 97

Fintech Finance

JUNE 18, 2024

ZORRZ , the pioneering fintech driving financial inclusivity, has announced its strategic partnership with CLOWD9 , a B-Corp certified processing platform, to power its innovative BlueAccess Hybrid Credit Card platform. We are thrilled to collaborate with a partner dedicated to driving change and making credit accessible to all.”

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Financial Inclusion Credit Cards Innovation Underserved 111

Payments Dive

JULY 29, 2024

In commenting on the proposal, the BNPL provider said consumers would be better served by rules specific to BNPL transactions, as opposed to credit card regulations.

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BNPL Rules Credit Cards Regulations 97

Fintech News

APRIL 3, 2025

BNPL (Buy Now, Pay Later) burst onto the scene as a game-changer, transforming how consumers shop and pay over time. What started as a consumer-friendly alternative to traditional credit is becoming a more concrete financing solution in the digital payments ecosystem, particularly in emerging markets like BNPL regulation in Asia.

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BNPL Regulations Accreditation Consumer Protection 113

Fintech News

MARCH 4, 2024

Indonesia’s Financial Services Authority (OJK) has lifted restrictions on the buy now, pay later (BNPL) service offered by fintech firm Akulaku , according to a statement from the company to Tech in Asia. Established in 2014, Akulaku has a presence that extends beyond Indonesia to Malaysia, the Philippines, and Vietnam.

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BNPL Non-Bank Credit Cards Risk Management 114

Fintech News

MARCH 18, 2024

The global flirtation with Buy Now Pay Later (BNPL) services seems to be coming undone, as new data on consumer payments unveils a significant drop in the appetite for this contentious credit payment approach. US BNPL users declined more in 2023 than the preceding years.

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The Fintech Times

NOVEMBER 24, 2024

The survey also highlights that credit card debt is a top financial burden for many consumers. Troubles with debt and credit card balances weigh heavily on monthly expenses. Instead, they have resorted to using fintechs which provide greater convenience, speed and transparency.

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BNPL Alternative Payment Methods Credit Cards Payments 72

PYMNTS

SEPTEMBER 20, 2020

Cape , a new Australian FinTech made up of professionals in finance, is debuting its new “recession fighting” credit card, powered by open banking and intended to allow access to new functions like buy now, pay later (BNPL), according to a report from AltFi. Common plans offer four-installment payments as ways to buy items.

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Credit Cards BNPL Economy Finance 101

Fintech News

SEPTEMBER 4, 2024

Buy Now, Pay Later (BNPL) in India has experienced a rapid increase in adoption, with its share of e-commerce sales in Asia-Pacific (APAC) surging from just 0.1% Similarly, Freecharge Pay Later is no longer available, according to its website, signaling further shifts in the BNPL landscape. in 2019 to an estimated 5.8%

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BNPL Online and Mobile Banking Credit Limit Credit Cards 109

Clearly Payments

DECEMBER 19, 2024

Leveraging tools like one-click checkout or buy-now-pay-later (BNPL) services can also reduce abandonment rates. 55% of Consumers Prefer Merchants Who Offer BNPL (Buy Now Pay Later) Buy-now-pay-later services like Klarna, Afterpay, and Affirm are changing the way people shop. What It Means for You: Streamline your checkout process.

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BNPL Contactless Payments Processors Payments 105

Fintech News

DECEMBER 20, 2023

Buy now, pay later (BNPL) arrangements, a type of short-term financing that allows customers to make purchases and pay for them in monthly installments, are growing strongly around the world, picking up steam among both customers and merchants. million in 2023. million in 2023.

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BNPL Consumer Financial Protection Bureau (CFPB) Settlement Non-Bank 109

Payments Dive

NOVEMBER 27, 2024

With credit card interest rates at a historic high, consumers are likely to gravitate to lower-cost alternatives, including potentially buy now, pay later options, industry consultants say.

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BNPL Credit Cards Consulting Consumer 147

PYMNTS

DECEMBER 15, 2020

It’s hard to say which is the best part of buy now, pay later (BNPL). Debatably the most impactful payments innovation of recent years — and that’s saying something — BNPL is having a massive impact on retail, as evidenced by the proliferation of brands and the steady flow of venture capital to players that are defining the space.

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BNPL Credit Cards Research PayPal 102

Fintech Finance

MAY 2, 2025

Since launching in the UK ten years ago, Klarna has helped shoppers avoid nearly half a billion pounds in interest by offering a simpler, fairer alternative to credit cards. In fact, the growing use of BNPL is helping consumers ditch higher-risk forms of credit such as credit cards altogether.

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BNPL Credit Cards Consulting AI 59

Fintech News

JUNE 12, 2024

In the rapidly evolving digital landscape, traditional credit cards face the challenge of staying relevant amidst the rise of digital wallets and changing consumer expectations. The emergence of Cards-as-a-Service (CaaS) offers a transformative solution that can help credit cards adapt and thrive in this new era.

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Credit Cards Payment APIs and Integration Card Issuer Non-Bank 109

Payments Dive

SEPTEMBER 30, 2022

buy now-pay later use has climbed since last year, also points to consumers acquiring more credit cards. Marqeta's report, which showed U.S.

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Consumer BNPL Credit Cards Acquirers 139

Payments Source

AUGUST 20, 2020

The COVID-19 pandemic has teed up a growth opportunity for the buy now, pay later (BNPL) financial industry, as recession worries made people receptive to entering short-term payment plans that can fit in a budget.

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Credit Cards BNPL Payments Digital Payments 122

Clearly Payments

FEBRUARY 3, 2024

One solution that has gained traction is Buy-Now-Pay-Later (BNPL). BNPL services allow consumers to make purchases and defer payment, often breaking it down into smaller, more manageable installments. How BNPL Works for Merchants BNPL services enable consumers to make purchases without paying the full amount upfront.

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BNPL Payments Mitigation Best Practices 104

The Payments Association

JANUARY 21, 2025

Table of Contents Voices from the industry: Insights into the 2024 payments landscape In 2024, we witnessed a convergence between consumer and B2B payments, driven by the rise of BNPL adoption, AI-powered fraud detection, and the continued digitalisation of payment platforms. and Brazil.

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Payments Trends Financial Crimes Cross-Border Payments 88

Payments Source

SEPTEMBER 2, 2020

There is a war brewing in the buy now, pay later (BNPL) market, and Mastercard is working with TSYS to bring in a slew of new players — credit card firms.

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Visa BNPL Credit Cards PayPal 146

The Fintech Times

MAY 22, 2024

The Consumer Financial Protection Bureau (CFPB), a US government agency responsible for protecting consumers in the financial sector, has ruled that buy now, pay later (BNPL) lenders must treat consumers as credit card providers do, ensuring they receive the same key protections. Will BNPL increase the consumer debt burden?

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BNPL Credit Cards Consumer Financial Protection Bureau (CFPB) CFPB 64

Stax

APRIL 10, 2025

TL;DR You get to choose from traditional payment methods like cash and checks, online payment methods like digital wallets and ACH transfers, and emerging payment methods like BNPL services and cryptocurrencies. Its role is to encrypt and securely transfer your customers payment data to your payment processor.

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Small Business Wire Transfer BNPL ACH 88

Payments Dive

OCTOBER 12, 2022

That buy now-pay later outlook emerged from a new Bluedot survey that also showed 43% of consumers are likely to open a new store credit card during the yearend shopping period.

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BNPL Credit Cards Consumer 158

The Fintech Times

FEBRUARY 13, 2024

Having debunked some of the biggest myths surrounding buy now pay later (BNPL), we now turn our focus on the technology’s potential. We reached out to the industry and asked if it believed BNPL could overtake credit card usage as new technologies rise in popularity.

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Credit Cards BNPL Research Regulations 59

Payments Source

SEPTEMBER 10, 2020

As no-cost buy now, pay later (BNPL) financing options apply pressure on traditional issuers, NAB and Commonwealth Bank of Australia (CBA) are rolling out no-interest credit cards.

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BNPL Issuers Credit Cards Finance 149

FICO

APRIL 28, 2022

Buy Now, Pay Later (BNPL) plans allow shoppers to make purchases and pay for them in installments over a defined period. As BNPL loans become a more commonplace form of credit used by consumers, these loans could also become an important factor in consumer credit reports, and by extension, in the FICO ® Scores based on those credit reports.

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Payments Dive

MAY 26, 2022

With Sunbit, Weave can now add BNPL to its other services that help small businesses collect customers’ payments, including text to pay, digital wallets, wireless terminals and credit-card on file.

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BNPL Credit Cards Small Business Payments 88