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Spain Buy Now Pay Later Business and Investment Opportunities - 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2025 Update
Market Report I 2025-02-10 I 88 Pages I PayNxt360
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.
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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Whilst we try to make our online platform as easy to use as possible there is always the possibility that a better alternative has not been found in your search.
To avoid this possibility Contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346 and a Senior Team Member can review your requirements and send a list of possibilities with opinions and recommendations.
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- Confirm Content
- Prices / Formats / Delivery
- Prices
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All prices are set by our partners and should be exactly the same as those listed on their own websites. We work on a Revenue share basis ensuring that you never pay more than what is offered elsewhere.
Should you find the price cheaper on another platform we recommend you to Contact us as we should be able to match this price. You can Contact us though through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Discounts
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As we work in close partnership with our Partners from time to time we can secure discounts and assist with negotiations, this is part of our personalised service to you.
Discounts can sometimes be arranged for speedily placed orders; multiple report purchases or Higher License purchases.
To check if a Discount is possible please Contact our experienced team through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Available Currencies
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Most Market Reports on our platform are listed in USD or EURO based on the wishes of our Partners. To avoid currency fluctuations and potential price differentiations we do not offer the possibility to change the currency online.
Should you wish to pay in a different currency to that advertised online we do accept payments in USD, EURO, GBP and PLN. The price will be calculated based on the relevant exchange rate taken from our National Bank.
To pay in a different above currency to that advertised online please Contact our team and a quotation will be sent within a couple of hours with payment details.
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- Licenses
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License options vary from Partner to Partner as is usually based on the number of Users that will benefitting from the report. It is very important that License ordered is not breached as this could have potential negative consequences for you individually or your employer.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
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- Global Site License
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The Global Site License is the most comprehensive license available. By selecting this license, the Market Report can be shared with other ‘Allowed Users’ and any other member of staff from the same organisation regardless of geographic location.
It is important to note that this may exclude Parent Companies or Subsidiaries.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
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- Formats
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The most common format is PDF, however in certain circumstances data may be present in Excel format or Online, especially in the case of Database or Directories. In addition, for certain higher license options a CD may also be provided.
If you have questions or need clarification about the specific formats we recommend you to Contact us and a detailed explanation will be provided.
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- Delivery
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Delivery is fulfilled by our partners directly. Once an order has been placed we inform the partner by sharing the delivery email details given in the order process.
Delivery is usually made within 24 hours of an order being placed, however it may take longer should your order be placed prior to the weekend or if otherwise specified on the Market Report details page. Additionally, if details have been not fully completed in the Order process a delay in delivery is possible.
If a delay in delivery is expected you will be informed about it immediately.
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- Shipping Charges
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As most Market Reports are delivered in PDF format we almost never have to add additional Shipping Charges. If, however you are ordering a Higher License service or a specific delivery format (e.g. CD version) charges may apply.
If you are concerned about additional Shipping Charges we recommend you to Contact us to double check.
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- Prices
- Ordering
- By Credit Card
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We work in Partnership with PayU to ensure payments are made securely in a fast and effortless way. PayU is the e-payments division of Naspers.
Naspers operates in over 133 International Markets and ranks 3rd Globally in terms of the number of e-commerce customers served.
For more information on PayU please visit: https://www.payu.pl/en/about-us
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- By Money Transfer
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If you require an invoice prior to payment, this is possible. To ensure a speedy delivery of the Market Report we require all relevant company details and you agree to maximum payment terms of 30 days from receipt of order.
With our regular clients deliver of the Market Report can be made prior to receiving payment, however in some circumstances we may ask for payment to be received before arranging for the Market Report to be delivered.
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- By Credit Card
- Security
- Website security
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We have specifically partnered with leading International companies to protect your privacy by using different technologies and processes to ensure security.
Everything submitted to Scotts International is encrypted via SSL (Secure Socket Layer) and all personal information provided to Scotts International is stored on computer systems with limited access in controlled environments.
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- Credit Card Security
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We partner with PayU (https://www.payu.pl/en/about-us) to ensure all credit card payments are made securely in a fast and effortless way.
PayU offers 250+ various payment channels and eWallet services across 4 continents allowing buyers to pay electronically, whether on a computer or a mobile device.
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- Website security