Unlocking Growth: The Ultimate Guide to BNPL Partnership Strategies
Harnessing the $109 Billion Buy Now, Pay Later market for explosive merchant growth and customer acquisition.
The BNPL Effect at a Glance
U.S. Market Size (GMV) in 2024
Higher Average Order Values
Sales from New Customers
Projected U.S. Users in 2025
What Factors Drive BNPL Growth?
Massive user adoption, expanding market value, and a strategic shift toward everyday purchases are propelling BNPL into a mainstream payment solution.
U.S. BNPL Gross Merchandise Volume (GMV)
How BNPL Partnerships Impact Consumer Spending
Increased Purchasing Power
BNPL users spend over $1,000 annually, integrating it into their cash flow for both large, one-time purchases and everyday essentials like groceries (25% of usage).
Omnichannel Value Amplified
Shoppers who use BNPL across both online and in-store channels spend 72% more per transaction, highlighting the value of an integrated strategy.
Holiday Shopping Surge
During the 2025 holiday season, shoppers spent $10.1 billion via BNPL, a 9% YoY increase, with 7.32% of all Cyber Monday sales captured by these services.
Navigating the BNPL Landscape: Challenges & Strategies
⚠️ Key Challenges
High Delinquency: 41% of users have missed a payment, posing risks of consumer debt accumulation.
Growth Deceleration: The market is maturing, with growth rates projected to slow from 27% in 2024 to 14% by 2026.
Regulatory Scrutiny: Increased oversight and regulation are expected as the industry scales.
🚀 Actionable Partnership Strategies
Strategic Merchant Integration: Partner with leaders like Klarna, Affirm, and PayPal to capture up to 40% new customers and an 85% AOV lift.
Omnichannel Expansion: Bundle BNPL across online and in-store checkouts to leverage the 72% higher spend from integrated shoppers.
Target High-Growth Regions: Prioritize partnerships in fast-growing markets like Asia-Pacific (28.4% annual growth).
Who Dominates the BNPL Market?
Klarna (Leading Position)
Affirm
Afterpay & PayPal
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Ready to Build Your BNPL Strategy?
Let’s explore how the right partnerships can drive customer acquisition, boost order values, and unlock new revenue streams for your business.