Adoption of “buy now, pay later” (BNPL) offerings currently remains low across the board, but today, wealthier US online adults (as measured in terms of annual household income) are more likely than less affluent online adults to express interest in using BNPL services at checkout to pay for large purchases in fixed monthly payments. Conversely, lower-income US online adults are more likely to already have used these services. Organizations must analyze their customer base to gauge if providing BNPL offerings as part of their portfolio of payment options to their current — and future target — audience will increase conversion, basket size, and customer lifetime value.