How big is buy now pay later in Italy?
BNPL reached €9.9 billion in 2025, up 45% from 2024. Scalapay, Klarna, PayPal Paga in 3 rate and HeyLight are the main names, and consumer credit banks such as Findomestic and Agos cover larger installment purchases.
In detail
Buy now pay later reached €9.9 billion in Italy in 2025, up 45% in a year, with online BNPL up 50%. According to Compass, it counted over 42 million transactions in 2025, about 5% of e-commerce transactions. Millennials and Gen Z make up two thirds of requests, and fashion is the leading category.
Two types of offers
- Interest-free pay in 3 or 4 for small baskets, from Scalapay, Klarna, PayPal Paga in 3 rate and HeyLight.
- Longer installment plans for higher tickets, from consumer credit companies such as Findomestic, Agos and Compass, which have sold installments in stores for decades.
Use is spreading but still concerns a minority: 17% of Italians knew and used BNPL in 2025.
Rules are changing
The revised EU Consumer Credit Directive brings most BNPL under consumer credit rules from late 2026, adding credit checks and disclosures to the checkout.
What it means for payment operators
For operators serving Italian merchants, BNPL is now an expected option in fashion and electronics. Connecting the main providers as payment methods, activating them per merchant and preparing for new credit checks keeps the offer compliant.