The United States had the highest number of merchants who offered Pay in 4 up to 2025, but the market share was relatively low compared to other countries. Estimates based on website tracking and the technologies used within them reveal that merchants from France offer this payment method relatively more often than anywhere else in the world. For example, estimates are that nearly 315 merchants until February 2024 had PayPal's Pay in 4 on their website - a number that equaled nearly eight percent of all French domains with a buy now, pay later (BNPL) option.
Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025
Characteristic
Number of websites
Share of all websites that offer a buy now, pay later (BNPL) solution
Share of all websites that offer at least one payment technology, excluding crypto and FX
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Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025
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Websites with a domain from said country; The numbers have been gathered and calculated by Statista, see the "Details" tab for more information.
Supplementary notes
This statistic is the result of research that tracks the use of "payment technology" across various websites found within certain countries. The source included seven categories in this:
Bitcoin, e.g. bitcoin traders such as Coingecko;
Checkout Buttons, e.g. Amazon Payments, Stripe, PayPal Button.;
Currency, e.g the option to pay in euros or Japanese yen;
Donation, e.g. Amazon Payments;
Pay Later, e.g. buy now, pay later solutions;
Payment Acceptance, e.g. Visa, PayPal, MasterCard, etc.
Payment Processor, e.g. Braintree, Amazon Payments, Stripe, etc.
The categories "Bitcoin" and "Currency", as well as "Checkout buttons" and"Donation" were excluded from this statistic. The first two did not match with Statista's definition of a payment technology, whereas the other two led to double entries for the likes of Amazon Payments. When applicable, Statista tried to account for double counting. Klarna, for example, was listed in both "Pay Later" as well as "Payment Processor".
The source states it looks at "payment technology", without explicit clarification on what it means with that. This has some important repercussions:
Statista assumes the source qualifies this as payment processing or payment methods offered by fintechs - as bank transfer systems, such as the Netherlands' iDEAL or the international SWIFT system, were not mentioned;
The data concerns URL domains from within that country, but may not necessarily reflect companies originating from within the country. An example was the webshop of Armada Music, a dance music label headquartered in the Netherlands but whose URL was based in the United States;
Payment methods offered in certain countries can be aimed at foreign, cross-border, users. For instance, the source stated that certain U.S. URLs offered Bancontact - a payment method that originates from Belgium.
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Statista. (January 10, 2025). Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025 [Graph]. In Statista. Retrieved May 08, 2025, from https://www.statista.com/statistics/1339708/bnpl-pay-in-4-use-among-merchants-in-the-world/
Statista. "Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025." Chart. January 10, 2025. Statista. Accessed May 08, 2025. https://www.statista.com/statistics/1339708/bnpl-pay-in-4-use-among-merchants-in-the-world/
Statista. (2025). Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025. Statista. Statista Inc.. Accessed: May 08, 2025. https://www.statista.com/statistics/1339708/bnpl-pay-in-4-use-among-merchants-in-the-world/
Statista. "Number and Share of Merchants Who Use Paypal's Pay in 4 as a Buy Now, Pay Later (Bnpl) Solution on Their Website across Various Countries in The World as of January 10, 2025." Statista, Statista Inc., 10 Jan 2025, https://www.statista.com/statistics/1339708/bnpl-pay-in-4-use-among-merchants-in-the-world/
Statista, Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025 Statista, https://www.statista.com/statistics/1339708/bnpl-pay-in-4-use-among-merchants-in-the-world/ (last visited May 08, 2025)
Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025 [Graph], Statista, January 10, 2025. [Online]. Available: https://www.statista.com/statistics/1339708/bnpl-pay-in-4-use-among-merchants-in-the-world/
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