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Every buy now, pay later rail in the dataset, ranked by what it actually costs on a 100-unit payment in each market’s own currency. 6 methods across 20 markets.
How it works:Buy Now, Pay Later (BNPL)
6 of 6 methods
Instalment checkout. The merchant carries the credit risk cost in the rate, which is why BNPL prices well above card acquiring, merchants accept it for the conversion and basket-size lift.
Australian buy-now-pay-later provider offering revolving credit lines as well as instalments.
Pay-in-4 with no consumer interest; the merchant absorbs the full cost of credit.
Saudi-headquartered BNPL provider offering split payments and longer instalment plans across the Gulf.
The Gulf's largest buy-now-pay-later provider, offering interest-free instalments across Saudi Arabia, the UAE and Kuwait.
US instalment financing across short 0% APR terms and longer interest-bearing loans. Merchant fees scale with how much of the interest cost the merchant subsidises.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
