POS financing, by country 2022

Australia was the world's biggest country in point-of-sale (POS) financing solutions in 2022 - which can include buy now, pay later services in offline retail. Nevertheless, POS financing can also include installment loans offered by retailers themselves. When it comes to the market share of buy now, pay later services in e-commerce, the top country worldwide is not Australia.

Market share of point-of-sale (POS) financing - including buy now, pay later or BNPL - in offline retail payments in 40 countries and territories worldwide in 2022

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Release date

March 2024

More information

Region

Worldwide

Survey time period

2022

Special properties

The source explicitly states that POS financing in its definition includes, but is not reserved only to, BNPL: it mentions it "includes This includes credit offered by retailers, financial institutions and marketplaces, as well as BNPL services."

Supplementary notes

The figures provided refer exclusively to the share of "POS Financing" in overall point of sales payment methods used per country. Note the following, however:

The source does not explicitly state whether the share is based on number of transactions or the value of transactions. Due to word use in the overall report (e.g. "spend" or "market size"), it seems to be based on value.
No figures for previous years are available: The source mentions this is a new category in its reporting and did not exist before.
The source rounded all the figures and did not provide specifics. Possibly, some countries with a market share between 0 and 0.5 percent were rounded down - and excluded from an entry.

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