Buy Now, Pay Later services offer a more flexible method for online purchases. Consumers aren't required to make an immediate, full payment; they can instead split the sum into a schedule that works for them. These services work similarly to credit cards but do not incur interest fees over time. Most people have seen Klarna, Afterpay, or Affirm offered on Amazon or other e-commerce websites. They are the most popular BNPL providers, but the market is steadily growing.