BNPL payment methods
BNPL payment methods let consumers pay without entering card details at checkout, settling through the rail's own network instead. This page lists the 16 bnpl methods Payment Methods List tracks worldwide, with the market each one serves and a linked profile covering flow, reach and merchant fit.
Last updated: July 31, 2026 · By Ale Aznar
All bnpl methods we track
| Method | Country | Region | Profile |
|---|---|---|---|
| Klarna | Global | Europe | Live |
| Afterpay | ANZ / US | Global | Live |
| Clearpay | UK / EU | Europe | Live |
| Affirm | United States | North America | Live |
| Zip | ANZ / US | Global | Live |
| Sezzle | United States | North America | Coming soon |
| PayPal Pay in 4 | Global | Global | Coming soon |
| Splitit | Global | Global | Coming soon |
| Scalapay | Southern Europe | Europe | Coming soon |
| Alma | France | Europe | Coming soon |
| Ratepay | DACH | Europe | Coming soon |
| Tabby | GCC | Middle East & Africa | Coming soon |
| Tamara | GCC | Middle East & Africa | Coming soon |
| Atome | Southeast Asia | Asia-Pacific | Coming soon |
| Kredivo | Indonesia | Asia-Pacific | Coming soon |
| Akulaku | Indonesia | Asia-Pacific | Coming soon |
Browse the profiles
Other markets
Frequently asked questions
What is a bnpl payment method?
A bnpl is a payment rail where the consumer pays through that specific mechanism rather than by entering card credentials. Examples we track include Klarna, Afterpay, Clearpay, Affirm.
How many bnpl methods does Payment Methods List track?
We currently track 16 bnpl methods across all regions, each with its own profile page as coverage ships.
Which bnpl methods have the widest reach?
Reach differs sharply by market. The country column in the table above shows where each rail is dominant; the linked profiles cover consumer adoption in detail.
Do bnpl methods support refunds and chargebacks?
Refund and dispute behaviour varies by rail rather than by category alone. Each method profile documents how refunds are executed and what dispute exposure a merchant carries.