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ak al lo an ao ap ex lp lq ld lr ls lt lu lv s lw lx ly lz ma mb mc u md me mf"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none" viewBox="0 0 24 24"><path fill="currentColor" fill-rule="evenodd" d="M15.218 4.931a.4.4 0 0 1-.118.132l.012.006a.45.45 0 0 1-.292.074.5.5 0 0 1-.3-.13l-2.02-2.02v7.07c0 .28-.23.5-.5.5s-.5-.22-.5-.5v-7.04l-2 2a.45.45 0 0 1-.57.04h-.02a.4.4 0 0 1-.16-.3.4.4 0 0 1 .1-.32l2.8-2.8a.5.5 0 0 1 .7 0l2.8 2.79a.42.42 0 0 1 .068.498m-.106.138.008.004v-.01zM16 7.063h1.5a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2h-11c-1.1 0-2-.9-2-2v-10a2 2 0 0 1 2-2H8a.5.5 0 0 1 .35.15.5.5 0 0 1 .15.35.5.5 0 0 1-.15.35.5.5 0 0 1-.35.15H6.4c-.5 0-.9.4-.9.9v10.2a.9.9 0 0 0 .9.9h11.2c.5 0 .9-.4.9-.9v-10.2c0-.5-.4-.9-.9-.9H16a.5.5 0 0 1 0-1" clip-rule="evenodd"></path></svg><div class="j i d"><p class="bf b bg z du">Share</p></div></button></div></div></div></div></div></div></div></div></div><p id="bf67" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">In our <a class="af ne" rel="noopener" href="/buy-now-pay-later-the-modern-day-credit-card-d849a3c46277">previous blog</a> (<a class="af ne" rel="noopener" href="/buy-now-pay-later-the-modern-day-credit-card-d849a3c46277">BNPL — The Modern Day Credit Card</a>), we compared buy now pay later to traditional credit cards. We compared the two products and spoke about the different types of buy now pay later offered to customers. But, is buy now pay later all it is made out to be or is it just a flash in the pan?</p><figure class="ni nj nk nl nm nn nf ng paragraph-image"><div role="button" tabindex="0" class="no np fj nq bh nr"><div class="nf ng nh"><picture><source srcSet="https://miro.medium.com/v2/resize:fit:640/format:webp/0*wf87qODjwkGOjpAa 640w, https://miro.medium.com/v2/resize:fit:720/format:webp/0*wf87qODjwkGOjpAa 720w, https://miro.medium.com/v2/resize:fit:750/format:webp/0*wf87qODjwkGOjpAa 750w, https://miro.medium.com/v2/resize:fit:786/format:webp/0*wf87qODjwkGOjpAa 786w, https://miro.medium.com/v2/resize:fit:828/format:webp/0*wf87qODjwkGOjpAa 828w, https://miro.medium.com/v2/resize:fit:1100/format:webp/0*wf87qODjwkGOjpAa 1100w, https://miro.medium.com/v2/resize:fit:1400/format:webp/0*wf87qODjwkGOjpAa 1400w" sizes="(min-resolution: 4dppx) and (max-width: 700px) 50vw, (-webkit-min-device-pixel-ratio: 4) and (max-width: 700px) 50vw, (min-resolution: 3dppx) and (max-width: 700px) 67vw, (-webkit-min-device-pixel-ratio: 3) and (max-width: 700px) 65vw, (min-resolution: 2.5dppx) and (max-width: 700px) 80vw, (-webkit-min-device-pixel-ratio: 2.5) and (max-width: 700px) 80vw, (min-resolution: 2dppx) and (max-width: 700px) 100vw, (-webkit-min-device-pixel-ratio: 2) and (max-width: 700px) 100vw, 700px" type="image/webp"/><source data-testid="og" srcSet="https://miro.medium.com/v2/resize:fit:640/0*wf87qODjwkGOjpAa 640w, https://miro.medium.com/v2/resize:fit:720/0*wf87qODjwkGOjpAa 720w, https://miro.medium.com/v2/resize:fit:750/0*wf87qODjwkGOjpAa 750w, https://miro.medium.com/v2/resize:fit:786/0*wf87qODjwkGOjpAa 786w, https://miro.medium.com/v2/resize:fit:828/0*wf87qODjwkGOjpAa 828w, https://miro.medium.com/v2/resize:fit:1100/0*wf87qODjwkGOjpAa 1100w, https://miro.medium.com/v2/resize:fit:1400/0*wf87qODjwkGOjpAa 1400w" sizes="(min-resolution: 4dppx) and (max-width: 700px) 50vw, (-webkit-min-device-pixel-ratio: 4) and (max-width: 700px) 50vw, (min-resolution: 3dppx) and (max-width: 700px) 67vw, (-webkit-min-device-pixel-ratio: 3) and (max-width: 700px) 65vw, (min-resolution: 2.5dppx) and (max-width: 700px) 80vw, (-webkit-min-device-pixel-ratio: 2.5) and (max-width: 700px) 80vw, (min-resolution: 2dppx) and (max-width: 700px) 100vw, (-webkit-min-device-pixel-ratio: 2) and (max-width: 700px) 100vw, 700px"/><img alt="" class="bh ln ns c" width="700" height="526" loading="eager" role="presentation"/></picture></div></div></figure><h1 id="88d5" class="nt nu gu bf nv nw nx ny nz oa ob oc od oe of og oh oi oj ok ol om on oo op oq bk">Global Market</h1><p id="2584" class="pw-post-body-paragraph mg mh gu mi b mj or ml mm mn os mp mq mr ot mt mu mv ou mx my mz ov nb nc nd gn bk">Globally, providers such as Klarna, Afterpay, and Affirm have paved the way for the buy now pay later ecosystem. In 2019, buy now pay later had a global market size of US$7.3 billion. <a class="af ne" href="https://www.coherentmarketinsights.com/market-insight/buy-now-pay-later-platforms-market-4013#:~:text=The%20global%20buy%20now%20pay%20later%20platforms%20market%20was%20valued,21.2%25%20between%202020%20and%202027." rel="noopener ugc nofollow" target="_blank">Coherent Market Insights</a>, expected it to grow to US$33.6 billion by 2027 at a CAGR of 21.2%.</p><p id="516b" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">While Australia and Sweden were the top markets a few years back, the buy now pay later trend has caught on in the UK and the US.</p><p id="6967" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk"><a class="af ne" href="https://worldpay.globalpaymentsreport.com/en/" rel="noopener ugc nofollow" target="_blank">Worldpay</a> suggests that buy now pay later spending in the UK would rise from £9.6 billion in 2020 to £26.4 billion in 2024. According to <a class="af ne" href="https://www.forbes.com/sites/ronshevlin/2020/11/22/the-24-billion-buy-now-pay-later-battle/?sh=269819f12f53" rel="noopener ugc nofollow" target="_blank">Fobes</a>, Americans made $20 billion worth of purchases using BNPL programs in 2019 and will spend $24 billion on products and services using a BNPL service in 2020.</p><p id="6d4d" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk"><strong class="mi gv">Company</strong></p><p id="e845" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk"><strong class="mi gv">Key Metrics</strong></p><p id="2f33" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">Afterpay</p><ul class=""><li id="c701" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">Operations in Australia, USA, UK, New Zealand.</li><li id="06ef" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">7.3 Million users.</li><li id="284c" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Major Market: USA</li><li id="fb2d" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Market Cap: $17.7BN</li></ul><p id="075f" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">Klarna</p><ul class=""><li id="e98b" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">Operations in 15 countries.</li><li id="f23c" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Market Cap: $33BN</li></ul><p id="03fd" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">Affirm</p><ul class=""><li id="faeb" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">Operations in USA &amp; CANADA</li><li id="31d5" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Market Cap: $16.73 Bn</li></ul><h1 id="75a8" class="nt nu gu bf nv nw nx ny nz oa ob oc od oe of og oh oi oj ok ol om on oo op oq bk">Indian Market</h1><p id="c1ff" class="pw-post-body-paragraph mg mh gu mi b mj or ml mm mn os mp mq mr ot mt mu mv ou mx my mz ov nb nc nd gn bk">The trends are similar in India. <a class="af ne" href="https://www.businesswire.com/news/home/20210420005935/en/India-Buy-Now-Pay-Later-Market-to-2028---75-KPIs-on-Buy-Now-Pay-Later-Trends-by-End-Use-Sectors-Operational-KPIs-Retail-Product-Dynamics-and-Consumer-Demographics---ResearchAndMarkets.com#:~:text=According%20to%20the%20Q4%202020,industry%20in%20India%20remains%20strong." rel="noopener ugc nofollow" target="_blank">Businesswire</a> expects the buy now pay later payment adoption to grow steadily between 2021 and 2028, recording a CAGR of 24.2%. It expects the gross merchandise value in India to increase from US$ 6.990.5 million in 2020 to US$ 52827.2 million by 2028.</p><p id="9f42" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">Buy now pay later is offered by multiple companies in India. LazyPay, ZestMoney, and Simpl are few of the pure buy now pay later companies. Other e-commerce companies such as Amazon and Flipkart, wallet providers such as Paytm and Mobikwik, banks such as ICICI and HDFC, and payment gateways such as Razorpay offer this as an option to their customers.</p><p id="5d6b" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk"><strong class="mi gv">Company</strong></p><p id="c68a" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk"><strong class="mi gv">Key Metrics</strong></p><p id="38d8" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">LAZYPAY (PayU)</p><ul class=""><li id="9360" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">4 million active users.</li><li id="531b" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">2 million transactions per month (December 2020).</li><li id="2fde" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">250+ merchant base.</li></ul><p id="29c1" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">ZestMoney</p><ul class=""><li id="d962" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">6 million registered users in (February 2020).</li><li id="f834" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Average transaction: Rs. 12,000/-</li><li id="6ebe" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Tie-up with 15,000+ merchants.</li></ul><p id="d841" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">Flipkart PayLater</p><ul class=""><li id="f2e7" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">65 million existing Flipkart users.</li><li id="f311" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Active on Flipkart, Myntra and 2Gud.</li><li id="a388" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Focuses on customers tier 2 and tier 3 cities.</li></ul><p id="1220" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">Paytm Postpaid</p><ul class=""><li id="ea87" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">7 million users (November 2020).</li><li id="715e" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Tie-up with 5 lakh+ merchants.</li></ul><p id="4eae" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">ICICI PayLater</p><ul class=""><li id="0c7b" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">Available only to ICICI Bank customers on ICICI platforms such as Pockets, iMobile App, and their bank website.</li><li id="5777" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Default payment option Razorpay buy now pay later customers.</li></ul><p id="587f" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">Bajaj Finserv</p><ul class=""><li id="8795" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">Available all over India.</li><li id="300a" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Available in offline and online stores.</li><li id="5318" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">8000+ stores online stores</li><li id="2ac4" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">1 lakh+ offline stores in 1900+ cities</li></ul><p id="bd11" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">PineLabs</p><ul class=""><li id="9c1f" class="mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd ow ox oy bk">Provides buy now pay later via POS machines</li><li id="20ae" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Has 95% of the offline buy now pay later market share.</li><li id="00ff" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">30 million users.</li><li id="0f05" class="mg mh gu mi b mj oz ml mm mn pa mp mq mr pb mt mu mv pc mx my mz pd nb nc nd ow ox oy bk">Tie-up with 1.5 lakh merchants.</li></ul><h1 id="b3c3" class="nt nu gu bf nv nw nx ny nz oa ob oc od oe of og oh oi oj ok ol om on oo op oq bk">Here to Stay</h1><p id="3f03" class="pw-post-body-paragraph mg mh gu mi b mj or ml mm mn os mp mq mr ot mt mu mv ou mx my mz ov nb nc nd gn bk">Buy now pay later is an attractive offering from financial institutions. In 2020, buy now pay later accounted for 2.1% of ecommerce transactions worldwide, according to <a class="af ne" href="https://worldpay.globalpaymentsreport.com/en/" rel="noopener ugc nofollow" target="_blank">Worldpay</a>. This number is expected to double by 2024.</p><p id="dc6b" class="pw-post-body-paragraph mg mh gu mi b mj mk ml mm mn mo mp mq mr ms mt mu mv mw mx my mz na nb nc nd gn bk">In India, <a class="af ne" href="https://inc42.com/buzz/pay-later-cardless-credit-benefits-grew-over-30-in-2019-flipkart-fintech-head/" rel="noopener ugc nofollow" target="_blank">buy now pay later grew over 30% in 2019</a>. 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