Buy now pay later Usage Statistics and Market Share in United States of America (.us)

We are tracking usage statistics and market share for 12 web technologies in the Buy now pay later market in United States of America (.us). As of April 2026, the most popular web technology in Buy now pay later in United States of America (.us) is Afterpay, with 50% market share. In second place is Klarna Checkout, with 21%. After that, Affirm holds 15%, followed by PayPal Credit with 3% and Tabby with 3%. Top 5 web technologies together account for 92% of the market. The remaining 7 web technologies in Buy now pay later collectively have a 8% market share. Global Buy now pay later market share report is available here.

Last updated: 12 April 2026

Buy now pay later Market Share in United States of America (.us) in April 2026

About Buy now pay later

We are tracking 12 different technologies in Buy now pay later.

There are 424 websites using Buy now pay later in United States of America (.us websites) in out database.

Buy now pay later Usage Statistics and Market Share in United States of America (.us) in April 2026

#1 Afterpay 49.53%

Afterpay is a buy now, pay later service that allows customers to split the cost of an online purchase into four interest-free installments, with payments made weekly over 2 weeks. It's used by merchants to process payments and manage transactions. Afterpay acts as an intermediary between the customer and merchant, facilitating the installment payments.

#2 Klarna Checkout 21.23%

Klarna Checkout is a payment solution that allows customers to pay for purchases in installments, providing a flexible payment experience. It simplifies the checkout process by integrating seamlessly into e-commerce websites. Klarna handles the payment and financing, offering options like "Pay in 3 Instalments" and "Buy Now, Pay Later.

#3 Affirm 15.09%

Affirm is a payment processor that allows customers to pay for purchases in monthly installments with flexible payment options and interest-free financing for eligible items. It aims to provide more accessible and convenient payment methods for online shopping. Affirm helps shoppers buy now and pay later without interest.

#4 PayPal Credit 6.13%

PayPal Credit is a credit card offered by PayPal that allows customers to make purchases now and pay them off over time without interest if certain conditions are met. It provides an alternative payment option for those who prefer not to use traditional credit cards or cash.

#5 Tabby 2.83%

Tabby is a payment processor that streamlines the integration and management of various payment methods for businesses, offering customizable solutions to optimize financial transactions. Tabby AI automates and enhances payment processes, providing businesses with a more efficient and user-friendly payment experience. ### Tabby (https://tabby.

#6 Zip 2.36%

Zip is a payment gateway that simplifies online and in-store transactions for merchants. It integrates with various payment methods, streamlining the checkout process and handling the technical aspects, allowing businesses to focus on growing their operations. Zip also offers advanced features like risk management and recurring payments to enhance security and convenience for both merchants and customers.

#7 Four 0.94%

Four is a payment processor that allows businesses to accept payments from customers through their website, mobile app, or in-person using a simple and secure payment gateway. Four provides a range of payment options, including credit and debit cards, digital wallets, and alternative payment methods. The platform is designed to be user-friendly and integrates seamlessly with existing commerce systems to help businesses grow their revenue.

#8 LayBuy 0.47%

LayBuy is a finance company that allows customers to buy now and pay for their purchases in installments, effectively providing a form of deferred payment or financing. This enables customers to make larger purchases without having to pay the full amount upfront. The company partners with retailers to offer this service to customers during the checkout process.

#9 Tamara 0.47%

Tamara is a payment infrastructure provider that simplifies the integration of global payment methods into e-commerce platforms and applications. They offer a comprehensive suite of services, including payment processing, risk management, and fraud detection, tailored for businesses of all sizes and industries. With their API-first approach, businesses can seamlessly add payment functionalities to their existing systems without extensive development effort.

#10 Bread 0.47%

Bread is a payment processing platform that enables businesses to accept various forms of payments, including credit cards, debit cards, and ACH transfers, directly through their website or mobile app. The service provides secure and convenient payment solutions for online merchants and e-commerce businesses. It offers customizable payment forms and integrates seamlessly with popular e-commerce platforms, making it easy for businesses to process transactions efficiently.

#11 ViaBill 0.24%

ViaBill is a "Buy now pay later" fintech platform that allows customers to purchase products or services from merchants and pay for them in installments over time, without interest or fees, enhancing the shopping experience and increasing sales for merchants. ViaBill's technology seamlessly integrates with existing payment systems, offering a frictionless payment process for both customers and merchants.

#12 HeyLight 0.24%

HeyLight is a financial service that allows customers to purchase items on an interest-free installment plan, making it easier for them to make larger purchases over time without immediate payment. HeyLight provides an easy and flexible way for consumers to spread the cost of their purchases across multiple months, enhancing their shopping experience and facilitating bigger transactions.