CMSPI - State of the Industry Report - 2025

3 PAYMENT METHOD SCORECARD: BUY NOW PAY LATER

Acceptance

Metrics

Weight Score

Merchant Acceptance (Ecommerce) North America

10% 4.00 10% 4.00 10% 4.00 10% 3.00 10% 2.00 50% 3.50

Europe

APAC

MEA

LATAM

Merchant Acceptance (POS)

TOTAL SCORE

3.50

Merchant Acceptance (Ecommerce) Share of retailers accepting BNPL from CMSPI estimates and analysis. North America: 62% Europe: 67%

APAC: 69% LATAM: 33% MEA : 56% Merchant Acceptance (POS)

Gathering data of merchant acceptance of payment methods in-store is more challenging than online; in this analysis, we take the average of the regional ecommerce merchant acceptance scores to estimate the global merchant acceptance in-stores.

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