Why is PayPal focusing on BNPL now?

To attract new customers and increase merchant basket sizes, as BNPL remains underpenetrated on its platform.

How did this announcement affect PayPal's stock?

The stock trades at $45.65 after short-term gains of 3.6%, but the full impact is yet to be seen.

Who are PayPal's competitors in BNPL?

Main competitors include Afterpay (owned by Block), Klarna, and Affirm.

PayPal Pushes BNPL as Key Driver of Checkout Growth

PayPal Holdings (PYPL) is refocusing on buy now, pay later (BNPL) as a key part of its branded checkout offering. The company aims to attract new customers and help merchants increase basket sizes. The stock trades at $45.65 after recent short-term gains of 3.6%.

July 8, 2026

2 min read

Source: Simply Wall St.

Key Numbers

stock price

$45.65

recent gain

3.6%

PayPal Holdings (NasdaqGS:PYPL) is increasing its focus on buy now, pay later (BNPL), making it a key part of its branded checkout offering. The company aims to use BNPL to attract new customers and help merchants lift basket sizes.

The Product

This renewed push comes as BNPL usage continues to evolve and remains underpenetrated within PayPal's broader payments platform. The service allows consumers to split purchases into installments, often interest-free, encouraging higher spending.

Pricing and Availability

PayPal has not disclosed specific pricing changes or new terms. The service is already available to millions of merchants and consumers on the PayPal platform.

Competition

PayPal faces strong competition from Afterpay (owned by Block), Klarna, and Affirm. However, PayPal's massive user base of over 400 million accounts gives it a competitive edge.

Potential Impact

Focusing on BNPL is expected to boost transaction volumes and customer loyalty, especially as e-commerce continues to grow. The stock currently trades at $45.65 after recent short-term gains of 3.6%.

Frequently Asked Questions

It's a service that allows consumers to split purchases into installments, often interest-free, via the PayPal platform.

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This article was rewritten in Wrqti's editorial style based on information from the original source above. Content is informational only — not investment advice.