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: In 2025, the average BNPL debit payment reached approximately $42.45 , a 9% increase from 2024.

: Risks of consumers taking on debt they cannot repay, leading to "loan stacking" across multiple platforms. PAYPAL.zip

The CFPB and other regulators have highlighted several "industry risks" associated with companies like PayPal and Zip: : In 2025, the average BNPL debit payment

: By 2025, BNPL is projected to account for 9% of North American e-commerce purchase value, up from 4% in 2021. - PayPal

: Regulators have criticized "multiple payment re-presentments," where lenders attempt to reauthorize failed payments multiple times, often leading to heavy bank fees for the consumer.

As of early 2026, the BNPL sector continues to grow, though the pace has slowed compared to previous years.

If you need to generate actual financial reports or report issues within the PayPal ecosystem: How do I view and download statements and reports? - PayPal