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Insights and Expertise

of shoppers, BNPL will remain
just as seamless and convenient
as before. While the regulations
introduce extra safeguards, they
won't fundamentally change the
customer journey, which means
BNPL will continue to be a pow-
erful tool for driving sales and
enhancing the checkout experi-
ence.

Stephanie Storry, a manager at PSE
Consulting, specializes in payments
innovation and emerging trends. She
brings a background in market research
and marketing consultancy, where she
developed expertise in product innova-
tion, strategic planning and go-to-mar-
ry-specific caps and clearer lending rules. The aim was ket execution. At PSE, Stephanie sup-
simple: protect consumers and encourage responsible bor- ports the delivery of major client assignments and offers strong domain
rowing. knowledge across open banking, buy now, pay later (BNPL), acquiring
and embedded finance. PSE Consulting is a leading global provider of
But instead of slowing down, the market surged. Accord- payment advisory services to players across the payments landscape.
ing to PSE Consulting's data, credit card installment trans- PSE's expertise has enabled it to deliver actionable market insights and
actions in Turkey jumped from 181 million in 2020 to a operational optimization to senior payments leaders for over 30 years.
projected 326 million by 2024. Over the same period, the To learn more, visit https://pseconsulting.com/
total value of these transactions more than doubled, rising
from $33 billion to $83 billion.

This growth stems from how regulation was applied. In Payments is our Business
Turkey, most BNPL transactions run through established
credit card infrastructure, meaning returning customers
experience the same smooth, familiar checkout process. • Expert Witness Consulting Testimony
Compliance happens in the background, ensuring stron- • Experience in Criminal & Civil cases
ger consumer protection without adding friction, a bal- • Payment Facilitation
ance that benefits both shoppers and merchants.
• RFP services
Brazil tells a similar story. With a regulated, card-based • Integrated Payments
BNPL framework in place for decades, adoption remains • Least Cost Routing
strong and consistent. • Card Network Rules

For UK merchants, the takeaway is clear: smart regulation • Payment Gateways
doesn't have to hinder growth. When BNPL is integrated • Processor Selection
into trusted payment systems and designed for repeat use, • 'Hard to Place Merchants'
it can continue to thrive—even under a stricter regulatory
environment. Let us demonstrate how our our Experience

What this means for merchants and Knowledge can work for you!
For merchants, the key concern is whether upcoming reg- Napa Payments and Consulting
ulations will make BNPL less appealing at checkout. The
short answer: unlikely. Most BNPL customers are already
pre-approved by their providers, so they won't encounter (707)601-7656
added delays when completing purchases. As long as de-
mand for flexible payment options stays high, merchants kenm@napapaymentsandconsulting.com
have every reason to keep BNPL on the table.
napapaymentsandconsulting.com
The biggest shift will likely be in how the service is deliv-
ered rather than how it's experienced. For the vast majority

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