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.
Source: Adobe Analytics.
What’s the difference between this and credit card debt?
The time scale is the other big difference. A credit card is intended to be paid off at the end of the month and gives you much better fraud protection than a debit card
Products like klarna instead have you pay off a tv over months and offer you no real benefit besides racking up debt
Buying on a credit card doesn’t incur interest fees until a month after the purchase so you can pay it off right away.
This is guaranteed to incur fees right out of the gate and cannot be paid back faster than they want.