Unlike a traditional loan, BNPL is integrated directly into the checkout process.
The landscape varies by region, but these are the major players globally and in India: Top 16 Buy Now, Pay Later Apps in India For 2026 buy now pay later shopping websites
The retailer gets paid in full by the BNPL provider upfront, minus a merchant fee. Popular BNPL Platforms (2026) Unlike a traditional loan, BNPL is integrated directly
27 Jan 2026 — * What are Buy Now Pay Later Apps? * What Makes Buy Now Pay Later Apps So Popular? * How We Chose The Best Buy Now Pay Later Apps. Unlike a traditional loan
The provider performs a "soft" credit check, which usually takes seconds and doesn't affect your credit score.