General EvidenceInsights

BNPL Provider Mix Among German Shoppers

Results as of

Review Jan 2025 – Jul 2026: Klarna reaches 81% of BNPL-linked German shoppers, far ahead of Riverty (51%) and PayPal Ratenzahlung (20%)

BNPL Provider Mix Among German ShoppersHorizontal bar chart showing the weighted share of BNPL-linked German online shoppers using each provider — Klarna, Riverty, PayPal Ratenzahlung, and Ratepay — from January 2025 to July 2026. Shares overlap as shoppers may use multiple providers. Klarna leads at 81%, followed by Riverty at 51%, PayPal Ratenzahlung at 20%, and Ratepay at 6%.Horizontal bar chart showing the weighted share of BNPL-linked German online shoppers using each provider — Klarna, Riverty, PayPal Ratenzahlung, and Ratepay — from January 2025 to July 2026. Shares overlap as shoppers may use multiple providers. Klarna leads at 81%, followed by Riverty at 51%, PayPal Ratenzahlung at 20%, and Ratepay at 6%.
Horizontal bar chart showing the weighted share of BNPL-linked German online shoppers using each provider — Klarna, Riverty, PayPal Ratenzahlung, and Ratepay — from January 2025 to July 2026. Shares overlap as shoppers may use multiple providers. Klarna leads at 81%, followed by Riverty at 51%, PayPal Ratenzahlung at 20%, and Ratepay at 6%.
Info
Sample size
n = 5,053
Data date
Jan 2025 – Jul 2026
Segment
All segments
Platform
Email
Market
Germany

Analysis

Among German online shoppers who made instalment purchases in 2025–2026, 81 per cent showed a Klarna signal – meaning the Swedish fintech provider clearly dominates the German instalment purchase market. Riverty reached 51 per cent.

This analysis is based on public segment data. For deeper cuts, use our Enterprise interface.

Methodology

The base is German online shoppers with at least one Buy Now Pay Later payment signal recorded between January 2025 and July 2026. The share for each provider is the proportion of those shoppers who showed a signal specifically linked to that provider — through an explicit installment-payment label in their transaction data, a provider servicing email, or (for PayPal) a notification referencing the Ratenzahlung or Pay Later product. Shares overlap because many shoppers use more than one provider. Results are weighted to reflect the German adult online-shopping population.

These insights are based on the General Evidence Panel. Our data comes exclusively from users who are compensated for their anonymity. Become part of the panel & earn from your data