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Buy Now Pay Later Alert
Buy Now Pay Later (BNPL) is a form of credit payment that allows you to split transactions into smaller, interest-free installments and repay them over time. Typically, it requires a down payment of 25%, and the remaining three are due in two-week intervals. BNPL is commonly referred to as “Pay in 4”, “Split pay”, and “Buy Now Pay Later”. Most BNPL lenders provide this payment option without running a hard credit check on you.
A BNPL account, once created for you, may reflect on your credit report. BNPL lenders also provide longer-term loans, which may include interest on monthly payments. BNPL lenders can offer loan terms as high as 72 months. Due to legal requirements, loan rates, terms, and amounts differ in some US states. You can be charged late fees, overdraft fees, or interest on unpaid balances, depending on the charges/fees structured by BNPL lenders.
BNPL Alerts
United States
- Affirm
- Afterpay
- Klarna
- Pay In 4 (by PayPal)
- PayBright (acquired by Affirm)
- Zip (formerly Quadpay)
- Sezzle
- Splitit
- Sunbit
- Affirm
- Afterpay
- PayBright (acquired by Affirm)
- Klarna
- Sezzle
- Splitit
Steps to take if you did not make the payment
- If you did not make the transaction, contact the BNPL lender to report the fraud, or contact Member Services.
- Inform your financial institution/bank and file a chargeback dispute.
- File a police report and retain a copy of your case as proof.
BNPL Lender support pages
- Affirm/PayBright: https://helpcenter.affirm.com/s/article/report-unauthorized-activity
- Afterpay: https://help.afterpay.com/hc/en-us/articles/900003088646-I-think-my-account-has-been-hacked
- Klarna: https://www.klarna.com/us/customer-service/how-can-i-report-a-fraud-attempt/
- PayPal: https://www.paypal.com/us/security/report-fraud
- QuadPay/Zip: https://help.us.zip.co/hc/en-us/articles/360032261751-I-ve-received-a-transaction-on-my-account-that-I-have-not-authorized-
- Sezzle: https://shopper-help.sezzle.com/hc/en-us/articles/360046235932-I-don-t-recognize-an-order-on-my-account-
- Splitit: https://www.splitit.com/legals/platform-agreement/usa-legal-terms/
- Sunbit: https://sunbit.com/contact-us/
- Affirm/PayBright: https://helpcenter.affirm.ca/s/article/report-unauthorized-activity-ca?language=en_US
- Afterpay: https://help.afterpay.com/hc/en-ca/articles/900003088646-I-think-my-account-has-been-hacked-
- Klarna: https://www.klarna.com/ca/customer-service/how-can-i-report-a-fraud-attempt/
- Sezzle: https://shopper-help.sezzle.com/hc/en-us/articles/360046235932-I-don-t-recognize-an-order-on-my-account-
- Splitit: https://www.splitit.com/legals/splitit-shopper-terms-conditions/canada/
Last modified: 10/23/2025
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