Merchant acceptance and consumer adoption of “buy now, pay later” (BNPL) payment options grew substantially in 2021. The breakneck pace of this trend leaves merchants, especially retailers and brands, wondering who uses BNPL and why: Are they developing brand loyalty with the vendors that offer BNPL, and are they having good experiences with it? In this infographic, we delve into the consumer data on BNPL to answer these questions.