According to PayNXT360, BNPL payment market in Spain is expected to grow by 11.6% on annual basis to reach US$8,919.9 million in 2025. The BNPL market in the country experienced robust growth during...
According to PayNXT360, BNPL payment market in Spain is expected to grow by 11.6% on annual basis to reach US$8,919.9 million in 2025. The BNPL market in the country experienced robust growth during 2021-2024, achieving a CAGR of 19.5%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 8.4% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 7,989.6 million to approximately USD 13,341.4 million. This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Spain, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics. It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics. PayNXT360’s research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities. Key Insights Spain’s BNPL market is expanding rapidly, driven by the growth of e-commerce and changing consumer preferences for flexible payment options. As BNPL services continue integrating into major online platforms, providers such as Aplazame and Sequra are gaining traction among consumers looking for alternative credit solutions. BNPL market is expected to become more competitive, prompting providers to introduce new financial products and refine their service offerings to attract a broader customer base. Strategic partnerships, such as CaixaBank’s collaboration with Apple Pay, are crucial in expanding BNPL adoption in Spain. These alliances enable BNPL providers to leverage existing customer networks and accelerate service penetration across different industries. Over the next few years, the BNPL sector will likely see further growth and diversification. However, increased regulatory scrutiny may require providers to adjust their business models to ensure compliance and long-term sustainability. Rapid Expansion of BNPL Services • Spain’s BNPL market is expanding rapidly, this significant increase is largely driven by the growing popularity of installment-based payment solutions among Spanish consumers. As BNPL services become more embedded in the retail and financial sectors, consumers and businesses benefit from greater payment flexibility and increased transaction volumes. • The primary drivers of BNPL adoption in Spain include the rapid expansion of e-commerce and changing consumer preferences for alternative credit solutions. The rise of digital shopping platforms has fueled demand for BNPL options as consumers seek more manageable payment structures. Many prefer BNPL over traditional credit cards due to its transparency and absence of high interest rates, further contributing to its growing acceptance across different retail categories. • Over the next few years, BNPL expansion will lead to heightened competition among BNPL providers, prompting companies to innovate and introduce new service offerings tailored to specific consumer segments. However, regulatory scrutiny may also increase as the market grows, requiring BNPL providers to implement more stringent risk management and consumer protection measures. Integration of BNPL into E-commerce Platforms • Integrating BNPL services into Spain’s e-commerce platforms is accelerating, with local players such as Aplazame and Sequra offering installment payment solutions to online shoppers. As more e-commerce businesses adopt BNPL, consumers can access flexible payment options at checkout, making online shopping more accessible. This trend is reshaping consumer spending habits, encouraging higher transaction volumes and increasing merchant adoption of BNPL services. • The growing demand for flexible financing solutions in Spain’s expanding e-commerce sector is a key driver of BNPL integration. By providing installment-based payments, BNPL providers enable consumers to purchase without the immediate burden of full upfront costs. This model benefits consumers, who can manage expenses more effectively, and merchants, who experience increased conversion rates and higher average order values. • Over the next few years, the continued integration of BNPL into e-commerce is expected to accelerate digital payment adoption in Spain further. Consumers who have hesitated to move away from traditional payment methods may become more comfortable with BNPL solutions, contributing to greater financial inclusion. However, as BNPL becomes a dominant payment option, regulatory oversight may increase to ensure responsible lending and consumer protection within the digital finance sector. Strategic Partnerships Enhancing BNPL Reach • Strategic partnerships between BNPL providers and financial institutions are expanding the reach of BNPL services in Spain. CaixaBank’s collaboration with Apple Pay, which allows users to split payments into multiple monthly installments, is an instance of how traditional banks integrate BNPL solutions into their payment offerings. Such alliances provide consumers with more flexible payment options while increasing bank and merchant transaction volumes. • The primary driver behind these partnerships is the ability of BNPL providers to leverage established customer bases and infrastructure to scale rapidly. By collaborating with major financial institutions, tech firms, and retailers, BNPL companies can diversify their offerings and reach a wider audience. This approach enables faster adoption of BNPL services while allowing merchants and payment platforms to offer enhanced financial flexibility to consumers. • Over the next few years, strategic partnerships will accelerate the mainstream adoption of BNPL services in Spain. These collaborations will likely drive further innovation in payment solutions, making BNPL an integral part of digital financial ecosystems. However, as these partnerships expand, regulatory scrutiny may increase to ensure transparency, responsible lending, and consumer protection in the evolving BNPL landscape. Competitive Landscape and Regulatory Developments in Spain's Buy Now, Pay Later (BNPL) Market Spain’s BNPL market is rapidly expanding, driven by increased e-commerce penetration and changing consumer payment preferences. Major players such as PayPal, Klarna, Afterpay, and CaixaBank are strengthening their foothold in the sector through strategic acquisitions and partnerships. With the market projected to grow significantly, competition is expected to intensify, leading to further innovation in BNPL offerings and greater adoption among Spanish consumers. Regulatory changes, particularly the EU’s Second Consumer Credit Directive (CCD2), will shape the future of BNPL services in Spain. The directive’s new requirements for transparency, affordability checks, and consumer protection will likely impact how BNPL providers operate. While these regulations may introduce compliance challenges, they allow providers to establish sustainable business models and enhance consumer trust. Current State of the BNPL Market • Spain’s BNPL market has expanded rapidly, fueled by the rise of e-commerce and shifting consumer preferences toward flexible payment solutions. Consumers opt for installment-based payment models over traditional credit cards as online shopping grows. • As competition intensifies, BNPL providers will continue to innovate, offering tailored financing options to attract more users. However, this rapid growth may also prompt regulatory oversight to ensure responsible lending and consumer protection. Key Players and New Entrants • PayPal: A prominent player in Spain's BNPL sector, offering installment payment solutions to consumers. • Klarna: The Swedish fintech has entered the Spanish market, providing consumers with flexible payment options at the point of sale. • Afterpay: Through acquiring Spanish BNPL firm Pagantis, Afterpay has expanded its presence in Spain, offering deferred payment solutions to consumers. • CaixaBank: In collaboration with Apple Pay, CaixaBank has introduced a payment installment service, allowing users to split their purchases into multiple monthly payments. Recent Launches, Mergers, and Acquisitions • In October 2024, CaixaBank partnered with Apple Pay to introduce a BNPL installment service, reflecting the increasing integration of deferred payment solutions into mainstream financial services. This collaboration allows CaixaBank customers to split their purchases into multiple payments, enhancing convenience and accessibility. Such strategic partnerships highlight the growing demand for BNPL options in Spain and the push by financial institutions to offer more flexible payment solutions. Outlook • Over the next 2-4 years, Spain's BNPL market is expected to expand, driven by ongoing digitalization and increasing consumer demand for flexible payment options. The competitive landscape will likely intensify as new entrants emerge and existing players enhance their offerings. Strategic partnerships and technological innovations will be key drivers of differentiation among providers. Regulatory Changes • Currently, BNPL models in Spain fall outside the scope of the consumer credit regime. However, the European Union's Second Consumer Credit Directive (CCD2) aims to bring BNPL services within the regulatory perimeter, subjecting providers to new obligations and standards. This includes requirements for clear disclosure of terms, affordability assessments, and consumer protection measures. The directive is expected to be implemented by 2026, fundamentally changing how BNPL providers engage with the market.
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Spain through 58 tables and 75 charts. Below is a summary of key market segments: Spain BNPL Market Size and Spending Pattern • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later Revenue Analysis • Buy Now Pay Later Revenues • Buy Now Pay Later Share by Revenue Segments • Buy Now Pay Later Revenue by Merchant Commission • Buy Now Pay Later Revenue by Missed Payment Fee Revenue • Buy Now Pay Later Revenue by Pay Now & Other Income Spain Buy Now Pay Later Operational KPIs & Statistics • Buy Now Pay Later Active Consumer Base • Buy Now Pay Later Bad Debt Spain BNPL by Purpose • Convenience – Short Term Loans • Credit – Long Term Loans Spain BNPL by Business Model • Two-Party (BNPL offered by retailers) • Three-Party BNPL Offering Spain BNPL by Merchant Ecosystem • Open Loop System • Closed Loop System Spain BNPL by Distribution Model Analysis • Standalone • Banks & Payment Service Providers • Marketplaces Spain Buy Now Pay Later Market Share Analysis by Key Players Spain BNPL Analysis by Channel • Online Channel • POS Channel Spain Buy Now Pay Later in Retail Shopping: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later in Home Improvement: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later in Travel: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later in Media and Entertainment: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later in Services: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later in Automotive: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later in Others: Market Size and Forecast • Gross Merchandise Value Trend Analysis • Average Value Per Transaction Trend Analysis • Transaction Volume Trend Analysis Spain Buy Now Pay Later Analysis by Consumer Attitude and Behaviour • Sales Uplift by Product Category • Share by Age Group • Share by Income • Share by Gender • Adoption Rationale • Monthly Expense Segments
• Insights on Strategy & Innovation: Navigate through future direction of the Buy Now Pay Later industry market by understanding strategic initiatives taken by key players to gain market share and innovation. • In-depth Understanding of BNPL Market Dynamics in Spain: Understand emerging opportunities and future direction of the BNPL market, key drivers, and trends. Benefit from a detailed market segmentation with 75+ KPIs. • Value and Volume KPIs for Accurate Understanding: Value and volume key performance indicators (KPIs) help in developing an accurate understanding of market dynamics. • Competitive Landscape: Get a snapshot of competitive landscape in BNPL sector with key players and market share in Spain. Formulate your strategy by gaining insights into the current structure of the market. • Develop Strategies to Gain Market Share: Create and fine tune your targeting strategy in the BNPL sector, identify growth categories and target specific segments across the value chain; evaluate important trends and risks unique to your market. • Deeper Understanding of Consumer Behaviour: Increase ROI by understanding how consumer attitudes and behaviours are evolving. Get a detailed view on retail spending dynamics across consumer segments.
1 About this Report 1.1 Summary 1.2 Methodology 1.3 BNPL Definitions 1.4 Disclaimer 2 Spain Buy Now Pay Later Industry Attractiveness 2.1 Spain Buy Now Pay Later – Gross Merchandise Value Trend Analysis, 2021-2030 2.2 Spain Buy Now Pay Later – Average Value Per Transaction Trend Analysis, 2021-2030 2.3 Spain Buy Now Pay Later—Transaction Volume Trend Analysis, 2021-2030 2.4 Spain Buy Now Pay Later Market Share Analysis by Key Players, 2024 3 Spain Buy Now Pay Later Operational KPIs 3.1 Buy Now Pay Later Revenues, 2021-2030 3.2 Buy Now Pay Later Share by Revenue Segments, 2021-2030 3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2021-2030 3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2021-2030 3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2021-2030 3.3 Buy Now Pay Later Active Consumer Base, 2021-2030 3.4 Buy Now Pay Later Bad Debt, 2021 – 2024 – 2030 4 Buy Now Pay Later Spend Analysis by Business Model, 2021-2030 4.1 Buy Now Pay Later Two-Party Business Model, 2021-2030 4.2 Buy Now Pay Later Three-Party Business Model, 2021-2030 5 Buy Now Pay Later Spend Analysis by Purpose, 2021-2030 5.1 Buy Now Pay Later Convenience, 2021-2030 5.2 Buy Now Pay Later Credit, 2021-2030 6 Buy Now Pay Later Spend Analysis by Functional Attribute, 2021-2030 6.1 Buy Now Pay Later by Open Loop System, 2021-2030 6.2 Buy Now Pay Later by Closed Loop System, 2021-2030 7 Buy Now Pay Later Spend Analysis by Distribution Model, 2021-2030 7.1 Buy Now Pay Later by Standalone, 2021-2030 7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2021-2030 7.3 Buy Now Pay Later by Marketplaces, 2021-2030 8 Spain Buy Now Pay Later Spend Analysis by Sales Channel 8.1 Buy Now Pay Later Market Share by Sales Channel, 2021-2030 8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2021-2030 8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2021-2030 9 Spain Buy Now Pay Later Snapshot by End-Use Sector, 2021-2030 9.1 Buy Now Pay Later Market Share by End-Use Sector, 2024 9.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2024 10 Spain Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2021-2030 10.1 Spain Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis, 2021-2030 10.2 Spain Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis, 2021-2030 10.3 Spain Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis, 2021-2030 11 Spain Buy Now Pay Later Market Size and Forecast by Retail Product Categories 11.1 Buy Now Pay Later Share by Retail Product Category, 2024 11.2 Spain Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis, 2021-2030 11.3 Spain Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis, 2021-2030 11.5 Spain Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis, 2021-2030 11.6 Spain Buy Now Pay Later Retail Shopping - Jewellery – Gross Merchandise Value Trend Analysis, 2021-2030 11.7 Spain Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis, 2021-2030 11.8 Spain Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis, 2021-2030 11.9 Spain Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis, 2021-2030 12 Spain Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2021-2030 12.1 Spain Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis, 2021-2030 12.2 Spain Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis, 2021-2030 12.3 Spain Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis, 2021-2030 13 Spain Buy Now Pay Later in Travel: Market Size and Forecast, 2021-2030 13.1 Spain Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis, 2021-2030 13.2 Spain Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis, 2021-2030 13.3 Spain Buy Now Pay Later Travel – Transaction Volume Trend Analysis, 2021-2030 14 Spain Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2021-2030 14.1 Spain Buy Now Pay Later Media and Entertainment – Gross Merchandise Value Trend Analysis, 2021-2030 14.2 Spain Buy Now Pay Later Media and Entertainment – Average Value Per Transaction Trend Analysis, 2021-2030 14.3 Spain Buy Now Pay Later Media and Entertainment – Transaction Volume Trend Analysis, 2021-2030 15 Spain Buy Now Pay Later in Service: Market Size and Forecast, 2021-2030 15.1 Spain Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis, 2021-2030 15.2 Spain Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis, 2021-2030 15.3 Spain Buy Now Pay Later Service – Transaction Volume Trend Analysis, 2021-2030 16 Spain Buy Now Pay Later in Automotive: Market Size and Forecast, 2021-2030 16.1 Spain Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis, 2021-2030 16.2 Spain Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis, 2021-2030 16.3 Spain Buy Now Pay Later Automotive – Transaction Volume Trend Analysis, 2021-2030 17 Spain Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2021-2030 17.1 Spain Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis, 2021-2030 17.2 Spain Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis, 2021-2030 17.3 Spain Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis, 2021-2030 18 Spain Buy Now Pay Later in Others: Market Size and Forecast, 2021-2030 18.1 Spain Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis, 2021-2030 18.2 Spain Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis, 2021-2030 18.3 Spain Buy Now Pay Later Others – Transaction Volume Trend Analysis, 2021-2030 19 Spain Buy Now Pay Later Analysis by Consumer Attitude and Behaviour, 2021-2030 19.1 Buy Now Pay Later Spend Share by Age Group, 2024 19.1.1 Spain Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis, 2021-2030 19.1.2 Spain Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis, 2021-2030 19.1.3 Spain Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis, 2021-2030 19.1.4 Spain Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis, 2021-2030 19.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2024 19.3 Buy Now Pay Later Share by Income, 2024 19.3.1 Spain Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis, 2021-2030 19.3.2 Spain Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis, 2021-2030 19.3.3 Spain Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis, 2021-2030 19.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2024 19.5 Buy Now Pay Later Adoption Rationale, 2024 19.6 Spain Buy Now Pay Later Market – Spend by Monthly Expense Segments, 2024 20 Further Reading 20.1 About PayNXT360 20.2 Related Research
Table 1: Spain Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 2: Spain Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 3: Spain Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 4: Spain Buy Now Pay Later – Revenues (US$ Million), 2021-2030 Table 5: Spain Buy Now Pay Later – Merchant Commission (US$ Million), 2021-2030 Table 6: Spain Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2021-2030 Table 7: Spain Buy Now Pay Later Pay Now – Other Income (US$ Million), 2021-2030 Table 8: Spain Buy Now Pay Later – Active Consumer Base (Thousand), 2021-2030 Table 9: Spain Buy Now Pay Later – Bad Debt (US$ Million), 2022-2024-2030 Table 10: Spain Buy Now Pay Later – Two-Party Business Model (US$ Million), 2021-2030 Table 11: Spain Buy Now Pay Later – Three-Party Business Model (US$ Million), 2021-2030 Table 12: Spain Buy Now Pay Later – Convenience (US$ Million), 2021-2030 Table 13: Spain Buy Now Pay Later – Credit (US$ Million), 2021-2030 Table 14: Spain Buy Now Pay Later – Open Loop System (US$ Million), 2021-2030 Table 15: Spain Buy Now Pay Later – Closed Loop System (US$ Million), 2021-2030 Table 16: Spain Buy Now Pay Later – Standalone (US$ Million), 2021-2030 Table 17: Spain Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2021-2030 Table 18: Spain Buy Now Pay Later – Marketplaces (US$ Million), 2021-2030 Table 19: Spain Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2021-2030 Table 20: Spain Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2021-2030 Table 21: Spain Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 22: Spain Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 23: Spain Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 24: Spain Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 25: Spain Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 26: Spain Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 27: Spain Buy Now Pay Later Retail Shopping - Jewellery – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 28: Spain Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 29: Spain Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 30: Spain Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 31: Spain Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 32: Spain Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 33: Spain Buy Now Pay Later Retail Shopping Home Improvement – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 34: Spain Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 35: Spain Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 36: Spain Buy Now Pay Later Travel – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 37: Spain Buy Now Pay Later Media and Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 38: Spain Buy Now Pay Later Media and Entertainment – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 39: Spain Buy Now Pay Later Media and Entertainment – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 40: Spain Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 41: Spain Buy Now Pay Later Service– Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 42: Spain Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 43: Spain Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 44: Spain Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 45: Spain Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 46: Spain Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 47: Spain Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 48: Spain Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 49: Spain Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 50: Spain Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Table 51: Spain Buy Now Pay Later Others – Transaction Volume Trend Analysis (Thousand), 2021-2030 Table 52: Spain Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 53: Spain Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 54: Spain Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 55: Spain Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 56: Spain Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 57: Spain Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Table 58: Spain Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 1: PayNXT360’s Methodology Framework Figure 2: Spain Buy Now Pay Later – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 3: Spain Buy Now Pay Later – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 4: Spain Buy Now Pay Later – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 5: Spain Buy Now Pay Later – Market Share Analysis by Key Players (by Value), 2024 Figure 6: Spain Buy Now Pay Later – Revenues (US$ Million), 2021-2030 Figure 7: Buy Now Pay Later Share - Revenue Segments (%), 2021-2030 Figure 8: Spain Buy Now Pay Later – Merchant Commission (US$ Million), 2021-2030 Figure 9: Spain Buy Now Pay Later – Missed Payment Fee Revenue (US$ Million), 2021-2030 Figure 10: Spain Buy Now Pay Later Pay Now – Other Income (US$ Million), 2021-2030 Figure 11: Spain Buy Now Pay Later – Active Consumer Base (Thousand), 2021-2030 Figure 12: Spain Buy Now Pay Later – Bad Debt (US$ Million), 2021-2024-2030 Figure 13: Spain Buy Now Pay Later Spend Analysis by Business Model (%), 2021-2030 Figure 14: Spain Buy Now Pay Later – Two-Party Business Model (US$ Million), 2021-2030 Figure 15: Spain Buy Now Pay Later – Three-Party Business Model (US$ Million), 2021-2030 Figure 16: Spain Buy Now Pay Later Spend Analysis by Purpose (%), 2021-2030 Figure 17: Spain Buy Now Pay Later – Convenience (US$ Million), 2021-2030 Figure 18: Spain Buy Now Pay Later – Credit (US$ Million), 2021-2030 Figure 19: Spain Buy Now Pay Later Spend Analysis by Functional Attribute (%), 2021-2030 Figure 20: Spain Buy Now Pay Later – Open Loop System (US$ Million), 2021-2030 Figure 21: Spain Buy Now Pay Later – Closed Loop System (US$ Million), 2021-2030 Figure 22: Spain Buy Now Pay Later Spend Analysis by Distribution Model (%), 2021-2030 Figure 23: Spain Buy Now Pay Later – Standalone (US$ Million), 2021-2030 Figure 24: Spain Buy Now Pay Later – Banks & Payment Service Providers (US$ Million), 2021-2030 Figure 25: Spain Buy Now Pay Later – Marketplaces (US$ Million), 2021-2030 Figure 26: Spain Buy Now Pay Later – Gross Merchandise Value Market Share by Sales Channel (%), 2021-2030 Figure 27: Spain Buy Now Pay Later – Gross Merchandise Value by Online Channel (US$ Million), 2021-2030 Figure 28: Spain Buy Now Pay Later – Gross Merchandise Value by POS Channel (US$ Million), 2021-2030 Figure 29: Spain Buy Now Pay Later – Market Share by End-Use Sector (%), 2024 Figure 30: Spain Buy Now Pay Later – Market Share by End-Use Segment (%), 2024 Figure 31: Spain Buy Now Pay Later Retail Shopping – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 32: Spain Buy Now Pay Later Retail Shopping – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 33: Spain Buy Now Pay Later Retail Shopping – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 34: Spain Buy Now Pay Later – Market Share by Retail Product Category (%), 2024 Figure 35: Spain Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 36: Spain Buy Now Pay Later Retail Shopping - Consumer Electronics – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 37: Spain Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 38: Spain Buy Now Pay Later Retail Shopping - Jewellery– Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 39: Spain Buy Now Pay Later Retail Shopping - Sporting Goods – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 40: Spain Buy Now Pay Later Retail Shopping - Entertainment & Gaming – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 41: Spain Buy Now Pay Later Retail Shopping - Others – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 42: Spain Buy Now Pay Later Home Improvement – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 43: Spain Buy Now Pay Later Home Improvement – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 44: Spain Buy Now Pay Later Home Improvement – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 45: Spain Buy Now Pay Later Travel – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 46: Spain Buy Now Pay Later Travel – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 47: Spain Buy Now Pay Later Travel – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 48: Spain Buy Now Pay Later Media and Entertainment – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 49: Spain Buy Now Pay Later Media and Entertainment – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 50: Spain Buy Now Pay Later Media and Entertainment – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 51: Spain Buy Now Pay Later Service – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 52: Spain Buy Now Pay Later Service – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 53: Spain Buy Now Pay Later Service – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 54: Spain Buy Now Pay Later Automotive – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 55: Spain Buy Now Pay Later Automotive – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 56: Spain Buy Now Pay Later Automotive – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 57: Spain Buy Now Pay Later Healthcare and Wellness – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 58: Spain Buy Now Pay Later Healthcare and Wellness – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 59: Spain Buy Now Pay Later Healthcare and Wellness – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 60: Spain Buy Now Pay Later Others – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 61: Spain Buy Now Pay Later Others – Average Value Per Transaction Trend Analysis (US$), 2021-2030 Figure 62: Spain Buy Now Pay Later Others – Transaction Volume Trend Analysis (Thousand), 2021-2030 Figure 63: Spain Buy Now Pay Later – Share by Age Group in Value Terms (%), 2024 Figure 64: Spain Buy Now Pay Later by Age Group – Gen Z (15-27) – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 65: Spain Buy Now Pay Later by Age Group – Millennials (28–44) – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 66: Spain Buy Now Pay Later by Age Group – Gen X (45 – 60) – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 67: Spain Buy Now Pay Later by Age Group – Baby Boomers (60+) – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 68: Spain Buy Now Pay Later – Share by Default Rate by Age Group in Value Terms (%), 2024 Figure 69: Spain Buy Now Pay Later – Share by Income Group in Value Terms (%), 2024 Figure 70: Spain Buy Now Pay Later by Income Level – Tier 1 – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 71: Spain Buy Now Pay Later by Income Level – Tier 2 – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 72: Spain Buy Now Pay Later by Income Level – Tier 3 – Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030 Figure 73: Spain Buy Now Pay Later – Share by Gender in Value Terms (%), 2024 Figure 74: Buy Now Pay Later – Adoption Rationale by Value, 2024 Figure 75: Spain Buy Now Pay Later – Monthly Expense Segments, 2024
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