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Retailers are offering customers more buy now, pay later (BNPL) finance purchasing options to drive sales across a wide range of products. Shoppers can get instant credit at the point of sale (POS) and then delay or spread payments (often at no extra cost) instead of paying outright at the time of purchase. This can appeal to consumers and has proven to be particularly popular during busy shopping periods such as Black Friday and the holiday season.

However, BNPL is also capturing the attention of online fraudsters. While it is maturing with new providers and products coming to the market, so too are the risks of fraud for retailers as cybercriminals look to exploit the BNPL process.

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