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Report
UAE 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 United Arab Emirates is expected to grow by 15.6% on annual basis to reach US$2,843.7 million in 2025.
The BNPL market in the country experienced robust growth during 2021-2024, achieving a CAGR of 24.5%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 11.2% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 2,459.3 million to approximately USD 4,827.8 million.
This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in United Arab Emirates, 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
The BNPL market in the UAE is experiencing rapid growth, driven by the expansion of e-commerce, diversification into new sectors, and the entry of traditional financial institutions. These trends reshape consumer payment preferences, leading to broader adoption of BNPL services across various industries.
Over the next 2-4 years, the BNPL landscape in the UAE is expected to become more competitive, with increased participation from both fintech firms and traditional banks. This evolution will likely result in more innovative and diversified BNPL offerings, further embedding flexible payment solutions into the UAE's economic fabric.
Rapid Growth in BNPL Adoption
- The UAE's BNPL market has grown substantially, driven by rising consumer demand for flexible payment options. Consumers increasingly opt for installment-based transactions as an alternative to credit cards, highlighting the growing preference for short-term, interest-free financing.
- E-commerce expansion has played a crucial role in driving BNPL adoption, with major providers such as Tabby, Spotti, Postpay, and Tamara forming partnerships with retailers across various sectors. Consumers gain greater access to flexible financing solutions as more merchants integrate BNPL options into their payment systems. The trend is further reinforced by the increasing reliance on digital payments in the UAE, making BNPL a seamless fit for online and offline purchases.
- As BNPL expands across retail and service industries, providers will likely introduce new financing models and partnerships to sustain market momentum.
Diversification of BNPL Applications
- BNPL services in the UAE are expanding beyond traditional retail, reaching sectors such as automotive and education. This shift reflects the growing demand for installment-based payments for higher-value transactions. A notable instance is Arabian Automobiles' partnership with Spotii, which introduced the region's first BNPL service for automotive sales, allowing consumers to purchase cars through flexible payment plans.
- Consumers seeking manageable and interest-free payment solutions for significant purchases drive the demand for BNPL in high-ticket transactions. BNPL providers are adapting their services to cater to this evolving demand, offering installment options for industries traditionally relying on loans or upfront payments. As financial accessibility remains a priority, BNPL providers increasingly target non-retail sectors to diversify their revenue streams.
- Over the next 2-4 years, the expansion of BNPL into new sectors is expected to accelerate, broadening adoption across various industries. Installing installment-based payments for high-value goods and services will encourage consumers to make large-scale purchases, driving overall spending. As a result, BNPL providers will likely develop customized financing models tailored to different sectors, further solidifying their role in the UAE's digital payments ecosystem.
Entry of Traditional Financial Institutions into BNPL
- Traditional financial institutions in the UAE are entering the BNPL market to capitalize on the growing demand for installment-based payments. Abu Dhabi Islamic Bank (ADIB) has partnered with Spotii to launch a virtual BNPL prepaid card, enabling customers to split purchases into flexible installments. This move signals a shift in how banks integrate BNPL offerings to complement their existing credit and financing products.
- The increasing adoption of BNPL among consumers has prompted banks to explore partnerships with established providers rather than developing standalone solutions. By collaborating with fintech companies, traditional banks can leverage existing BNPL infrastructure while expanding their product portfolios. This approach allows financial institutions to remain competitive in the evolving digital payments landscape and cater to consumer preferences for alternative credit options.
- Over the next 2-4 years, banks' involvement in BNPL is expected to enhance trust and regulatory compliance within the sector. Consumers may be more inclined to use BNPL services established banks offer, leading to broader adoption. Additionally, the entry of financial institutions could lead to more structured and regulated BNPL products, ensuring responsible lending while maintaining the flexibility consumers seek.
Competitive Landscape and Regulatory Developments in United Arab Emirates's Buy Now, Pay Later (BNPL) Market
The UAE's BNPL market is highly competitive and rapidly evolving. Local players such as Tabby, Spotii, and Tamara dominate, while new entrants and banks are entering the space. As BNPL expands into new sectors, such as healthcare and automotive, competition will continue to increase, leading to further market innovation and consolidation.The CBUAE's regulatory changes in 2023 have introduced strict oversight and licensing requirements, ensuring BNPL providers operate within a structured financial framework. Over the next few years, regulations will shape the future of BNPL, promoting consumer protection while allowing for continued growth and market expansion.
Current State of the BNPL Market
- The BNPL market in the UAE has expanded rapidly, fueled by growing consumer demand for flexible payment solutions and the rise of digital commerce. The increasing preference for BNPL reflects shifting financial habits, particularly among younger consumers and expatriates seeking alternative credit solutions.
- The UAE's BNPL sector is projected to continue its strong growth trajectory over the next five years. The expansion of e-commerce, partnerships with retailers, and entry of financial institutions are expected to drive wider adoption. As competition intensifies, BNPL providers will likely focus on service diversification and user-friendly payment models to maintain market share.
Key Players and New Entrants
- Tabby - One of the UAE's leading BNPL providers, recently secured US$700 million in debt financing from JPMorgan.
- Tamara - A Saudi-based provider expanding aggressively in the UAE market.
- Spotii - A BNPL provider partnered with Abu Dhabi Islamic Bank (ADIB) to integrate flexible payment options into banking services.
- Postpay and Cashew - Both players partner with retailers and financial institutions to expand their BNPL offerings.
- International entrants such as Klarna and Alif also expanded into the UAE, increasing market competition.
Recent Launches, Mergers, and Acquisitions
- The UAE's BNPL market has seen significant financial investments and strategic expansions in recent months. In November 2023, Tabby secured an additional US$250 million in Series D funding, reinforcing its position as the country's leading BNPL provider. This funding enables Tabby to scale its services, expand partnerships, and maintain its competitive edge against emerging players in the market.
- Beyond retail, BNPL services are diversifying into new sectors. In September 2023, Tabby partnered with Arabian Automobiles, extending BNPL to vehicle maintenance and repairs, signaling the expansion of installment-based payments beyond traditional shopping. This move highlights the potential for BNPL to penetrate industries with limited flexible financing options.
- New entrants and collaborations between fintech firms and banks are also reshaping the market. Alif, a global fintech firm, entered the UAE in September 2023, introducing BNPL and remittance services to compete with existing players. Additionally, Abu Dhabi Islamic Bank (ADIB) launched a BNPL virtual prepaid card in partnership with Spotii, integrating BNPL into banking services. These developments indicate increased competition and further integration of BNPL into the UAE's financial ecosystem.
Outlook
- This sustained growth will be driven by increasing consumer demand for flexible financing options and expanding BNPL offerings into new sectors. As more consumers shift away from traditional credit models, BNPL is expected to solidify its role as a preferred payment method.
- Beyond retail, BNPL is expanding into healthcare, education, automotive, and travel, broadening its adoption across a wider demographic. Introducing installment-based payments in these industries will enable consumers to finance essential services, further embedding BNPL into the UAE's financial ecosystem. As a result, BNPL providers will continue innovating their offerings to cater to industry-specific needs and customer preferences.
- The competitive landscape will evolve as traditional banks enter the BNPL space by launching their services or partnering with fintech firms. This shift will drive increased regulation and oversight, ensuring BNPL providers maintain financial transparency and responsible lending practices. As the UAE Central Bank strengthens its regulatory framework, BNPL companies must adapt to compliance requirements while expanding their market reach.
Regulatory Changes
- To enhance consumer protection, the CBUAE has mandated that BNPL providers disclose all fees and repayment terms transparently. Additionally, total fees, including late payment charges, cannot exceed 30% of the loan amount, preventing excessive consumer debt burdens. These measures ensure that consumers are fully aware of the costs associated with BNPL transactions and protect them from predatory lending practices.
- As BNPL adoption grows, the CBUAE is enforcing responsible lending practices to mitigate risks associated with over-indebtedness. The new framework encourages financial sustainability, requiring providers to assess borrowers' repayment capacity before extending BNPL services. These regulatory changes will shape the future of BNPL in the UAE, balancing market expansion with financial security and ensuring that BNPL remains a viable and regulated payment option.
1 About this Report
1.1 Summary
1.2 Methodology
1.3 BNPL Definitions
1.4 Disclaimer
2 UAE Buy Now Pay Later Industry Attractiveness
2.1 UAE Buy Now Pay Later - Gross Merchandise Value Trend Analysis, 2021-2030
2.2 UAE Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2021-2030
2.3 UAE Buy Now Pay Later-Transaction Volume Trend Analysis, 2021-2030
2.4 UAE Buy Now Pay Later Market Share Analysis by Key Players, 2024
3 UAE 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 UAE 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 UAE 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 UAE Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2021-2030
10.1 UAE Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2021-2030
10.2 UAE Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2021-2030
10.3 UAE Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2021-2030
11 UAE 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 UAE Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2021-2030
11.3 UAE Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2021-2030
11.5 UAE Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2021-2030
11.6 UAE Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2021-2030
11.7 UAE Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2021-2030
11.8 UAE Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2021-2030
11.9 UAE Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2021-2030
12 UAE Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2021-2030
12.1 UAE Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2021-2030
12.2 UAE Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2021-2030
12.3 UAE Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2021-2030
13 UAE Buy Now Pay Later in Travel: Market Size and Forecast, 2021-2030
13.1 UAE Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis, 2021-2030
13.2 UAE Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis, 2021-2030
13.3 UAE Buy Now Pay Later Travel - Transaction Volume Trend Analysis, 2021-2030
14 UAE Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2021-2030
14.1 UAE Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis, 2021-2030
14.2 UAE Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis, 2021-2030
14.3 UAE Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis, 2021-2030
15 UAE Buy Now Pay Later in Service: Market Size and Forecast, 2021-2030
15.1 UAE Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2021-2030
15.2 UAE Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2021-2030
15.3 UAE Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2021-2030
16 UAE Buy Now Pay Later in Automotive: Market Size and Forecast, 2021-2030
16.1 UAE Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2021-2030
16.2 UAE Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2021-2030
16.3 UAE Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2021-2030
17 UAE Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2021-2030
17.1 UAE Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2021-2030
17.2 UAE Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2021-2030
17.3 UAE Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2021-2030
18 UAE Buy Now Pay Later in Others: Market Size and Forecast, 2021-2030
18.1 UAE Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis, 2021-2030
18.2 UAE Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis, 2021-2030
18.3 UAE Buy Now Pay Later Others - Transaction Volume Trend Analysis, 2021-2030
19 UAE 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 UAE Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.2 UAE Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.3 UAE Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.4 UAE 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 UAE Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.2 UAE Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.3 UAE 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 UAE Buy Now Pay Later Market - Spend by Monthly Expense Segments, 2024
20 Further Reading
20.1 About PayNXT360
20.2 Related Research
Table 1: UAE Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 2: UAE Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 3: UAE Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 4: UAE Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Table 5: UAE Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Table 6: UAE Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Table 7: UAE Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Table 8: UAE Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Table 9: UAE Buy Now Pay Later - Bad Debt (US$ Million), 2022-2024-2030
Table 10: UAE Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Table 11: UAE Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Table 12: UAE Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Table 13: UAE Buy Now Pay Later - Credit (US$ Million), 2021-2030
Table 14: UAE Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Table 15: UAE Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Table 16: UAE Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Table 17: UAE Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Table 18: UAE Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Table 19: UAE Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Table 20: UAE Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Table 21: UAE Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 22: UAE Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 23: UAE Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 24: UAE Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 25: UAE Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 26: UAE Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 27: UAE Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 28: UAE Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 29: UAE Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 30: UAE Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 31: UAE Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 32: UAE Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 33: UAE Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 34: UAE Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 35: UAE Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 36: UAE Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 37: UAE Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 38: UAE Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 39: UAE Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 40: UAE Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 41: UAE Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 42: UAE Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 43: UAE Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 44: UAE Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 45: UAE Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 46: UAE Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 47: UAE Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 48: UAE Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 49: UAE Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 50: UAE Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 51: UAE Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 52: UAE Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 53: UAE Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 54: UAE Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 55: UAE Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 56: UAE Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 57: UAE Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 58: UAE 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: UAE Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 3: UAE Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 4: UAE Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 5: UAE Buy Now Pay Later - Market Share Analysis by Key Players (by Value), 2024
Figure 6: UAE Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Figure 7: Buy Now Pay Later Share - Revenue Segments (%), 2021-2030
Figure 8: UAE Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Figure 9: UAE Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Figure 10: UAE Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Figure 11: UAE Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Figure 12: UAE Buy Now Pay Later - Bad Debt (US$ Million), 2021-2024-2030
Figure 13: UAE Buy Now Pay Later Spend Analysis by Business Model (%), 2021-2030
Figure 14: UAE Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Figure 15: UAE Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Figure 16: UAE Buy Now Pay Later Spend Analysis by Purpose (%), 2021-2030
Figure 17: UAE Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Figure 18: UAE Buy Now Pay Later - Credit (US$ Million), 2021-2030
Figure 19: UAE Buy Now Pay Later Spend Analysis by Functional Attribute (%), 2021-2030
Figure 20: UAE Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Figure 21: UAE Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Figure 22: UAE Buy Now Pay Later Spend Analysis by Distribution Model (%), 2021-2030
Figure 23: UAE Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Figure 24: UAE Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Figure 25: UAE Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Figure 26: UAE Buy Now Pay Later - Gross Merchandise Value Market Share by Sales Channel (%), 2021-2030
Figure 27: UAE Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Figure 28: UAE Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Figure 29: UAE Buy Now Pay Later - Market Share by End-Use Sector (%), 2024
Figure 30: UAE Buy Now Pay Later - Market Share by End-Use Segment (%), 2024
Figure 31: UAE Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 32: UAE Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 33: UAE Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 34: UAE Buy Now Pay Later - Market Share by Retail Product Category (%), 2024
Figure 35: UAE Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 36: UAE Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 37: UAE Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 38: UAE Buy Now Pay Later Retail Shopping - Jewellery- Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 39: UAE Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 40: UAE Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 41: UAE Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 42: UAE Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 43: UAE Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 44: UAE Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 45: UAE Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 46: UAE Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 47: UAE Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 48: UAE Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 49: UAE Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 50: UAE Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 51: UAE Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 52: UAE Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 53: UAE Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 54: UAE Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 55: UAE Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 56: UAE Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 57: UAE Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 58: UAE Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 59: UAE Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 60: UAE Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 61: UAE Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 62: UAE Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 63: UAE Buy Now Pay Later - Share by Age Group in Value Terms (%), 2024
Figure 64: UAE Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 65: UAE Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 66: UAE Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 67: UAE Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 68: UAE Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2024
Figure 69: UAE Buy Now Pay Later - Share by Income Group in Value Terms (%), 2024
Figure 70: UAE Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 71: UAE Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 72: UAE Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 73: UAE Buy Now Pay Later - Share by Gender in Value Terms (%), 2024
Figure 74: Buy Now Pay Later - Adoption Rationale by Value, 2024
Figure 75: UAE Buy Now Pay Later - Monthly Expense Segments, 2024
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Content is provided by our partners and every effort is made to make Market Report details as clear as possible. If you are not sure the exact content you require is included in this study you can Contact us to double check. To do this you can:
Use the ‘? ASK A QUESTION’ below the license / prices and to the right of this box. This will come directly to our team who will work on dealing with your request as soon as possible.
Write to directly on support@scotts-international.com with details. Please include as much information as possible including the name of report or link so our staff will be able to work on you request.
Telephone us directly on 0048 603 394 346 and an experienced member of team will be on hand to answer.
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- Sample Pages
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With the vast majority of our partners we can obtain Sample Pages to support your decision. This is something we can arrange without revealing your personal details.
It is important to note that we will not be able to provide you the exact data or statistics such as Market Size and Forecasts. Sample pages usually confirm the layout or the Categories included in Charts and Graphs, excluding specific data.
To ask for Sample Pages by contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Check for Alternatives
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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