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: Risks of consumers taking on debt they cannot repay, leading to "loan stacking" across multiple platforms.
: Regulators have criticized "multiple payment re-presentments," where lenders attempt to reauthorize failed payments multiple times, often leading to heavy bank fees for the consumer. PAYPAL.zip
The CFPB and other regulators have highlighted several "industry risks" associated with companies like PayPal and Zip: : Risks of consumers taking on debt they
: By 2025, BNPL is projected to account for 9% of North American e-commerce purchase value, up from 4% in 2021. the BNPL sector continues to grow
As of early 2026, the BNPL sector continues to grow, though the pace has slowed compared to previous years.
: Concerns over "data mining" and how these platforms use consumer data to encourage incremental sales.