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moves money PYMNTS.com May 21, 2026

The BNPL Revolution Moves Into the Card Stack

The BNPL Revolution Moves Into the Card Stack
AI Summary

The buy now, pay later (BNPL) disruption story may have been misunderstood from the beginning. Findings in the latest edition of The Pay Later Ecosystem report by PYMNTS Intelligence reveal that credit card issuers have already absorbed much of the competitive impact of pay later products. While FinTech startups promised BNPL solutions designed to free younger consumers from revolving debt, opaque fees and the psychological baggage attached to traditional borrowing, the report found that BNPL us

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