Germany Buy Now Pay Later Business Report 2025: BNPL Market to Reach $103.44 Billion by 2030 with Ratepay, Klarna, and PayPal (Pay Later) Leading - ResearchAndMarkets.com | Business Wire

Germany Buy Now Pay Later Business Report 2025: BNPL Market to Reach $103.44 Billion by 2030 with Ratepay, Klarna, and PayPal (Pay Later) Leading - ResearchAndMarkets.com

February 21, 2025 08:45 AM Eastern Standard Time

The BNPL payment market in Germany is expected to grow by 11.7% on annual basis to reach US$69.55 billion in 2025. The BNPL market in the country experienced robust growth during 2021-2024, achieving a CAGR of 19.4%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 8.3% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 62.27 billion to approximately USD 103.44 billion.

This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Germany, 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.

Germany's BNPL market has evolved rapidly in the past year, driven by a mix of consumer demand for flexible payment options, regulatory reforms, and a surge in e-commerce activities. Providers like Klarna, PayPal, and Riverty (formerly Afterpay) are expanding their services, focusing on transparency and consumer trust. Unlike emerging markets where BNPL is essential for financial inclusion, Germany's market is shaped by consumers using BNPL as a convenience for budgeting, especially for mid to high-value purchases.