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Buy Now, Pay Later: Opportunities, Risks, and Chargeback Implications Buy now, pay later has moved well past the novelty stage. According to the Chargebacks911 2026 Chargeback Field Report, based on survey data from more than 250 merchants, 19.1% of merchants currently accept BNPL at checkout. Klarna is the most widely supported provider among this group, used by 35% of BNPL-accepting merchants, f…

Chargeback risk rarely announces itself before it becomes a serious problem. By the time a merchant’s dispute ratio triggers a monitoring program or prompts a processor review, the underlying issues have typically been developing for months. Acquirers and processors are better positioned than anyone to help merchants identify and address these issues early; they have visibility into dispute patter…

Credit card disputes represent one of the most persistent operational challenges for acquirers and payment processors. Every dispute triggers a chain of events that affects merchants, processors, and card networks simultaneously. Despite how common disputes are, many merchants enter the process without a clear understanding of what to expect, creating service burdens for the acquirers and processo…

Most conversations about agentic commerce focus on what the technology can do. AI agents that browse, compare, and purchase on behalf of consumers represent a significant shift in how transactions get initiated. The commercial possibilities attract considerable attention from technology companies, retailers, and payment platforms alike. What attracts less attention is the question of what happens …

Open banking enables financial institutions and third-party providers to share customer financial data through secure APIs, with customer consent. The concept promises to transform how consumers and businesses access financial services by breaking down data silos that traditional banking models maintain. In most developed markets, this transformation is already underway. In the United States, the …

For years, buy now, pay later (BNPL) was simple to offer and simple to use. Part of the reason was regulatory. In many markets, interest-free instalment credit sat outside the consumer credit rules. That is changing fast. In 2026, two of the world’s largest markets bring BNPL inside their credit regimes, with firm dates and real obligations. Risk teams that once treated BNPL as a payments feature …