As of early 2026, the BNPL sector continues to grow, though the pace has slowed compared to previous years.
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The CFPB and other regulators have highlighted several "industry risks" associated with companies like PayPal and Zip: As of early 2026, the BNPL sector continues
: These services are most popular among Millennial and Gen Z consumers, as well as financially vulnerable populations looking to manage liquidity. Regulatory & Consumer Risks As of early 2026
: 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.