Usage of the flexible payment method hit an all-time high on Cyber Monday, driving $1.03 billion in online spend (up 4.2% YoY), as consumers looked for greater flexibility in managing their holiday budgets. The vast majority of BNPL transactions are happening on a mobile device as well, at 79.4% share on Cyber Monday (vs. desktop). In an Adobe survey of over 1,000 U.S. consumers (conducted Nov. 2025), respondents said they were most likely to use BNPL for electronics, apparel, toys, and furniture purchases.
A legally required age verification will be introduced. We want this to take effect as soon as possible to prevent minors from using BNPL.
Wait, it's legal to put minors into debt in the Netherlands? In Sweden, a minor wouldn't be liable to pay any such invoice, as minors can't sign any legally-binding agreements without their guardian's consent.
