# BNPL Provider Mix Among German Shoppers

> Klarna reaches 81% of BNPL-linked German shoppers, far ahead of Riverty (51%) and PayPal Ratenzahlung (20%)

**Period:** Jan 2025 – Jul 2026  
**Market:** DE  
**Data status:** final  
**Data as of:** 2026-08-03T06:02:50.620593+00:00  
**Sample size:** n = 5,053  
**Effective sample size:** 2,487  
**Source:** [https://www.generalevidence.com/en/insights/consumption/online-shopping/klarna-bnpl-anbieter-marktanteil-deutschland](https://www.generalevidence.com/en/insights/consumption/online-shopping/klarna-bnpl-anbieter-marktanteil-deutschland)

## Segments

- **Years:** 2025–2026
- **Platform:** email

## Summary

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.

## Chart

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%.

## 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.

## Citation

General Evidence (2026-08-03). *BNPL Provider Mix Among German Shoppers*. General Evidence Insights. https://www.generalevidence.com/en/insights/consumption/online-shopping/klarna-bnpl-anbieter-marktanteil-deutschland

## About General Evidence

General Evidence is a behavioral consumer-data platform. The Insights library publishes free, citable statistics derived from a panel of 29,000+ opted-in participants in Germany: observed real behavior (transactions, browsing, media), not surveys. All data is processed within the EU and is GDPR-compliant.

For brand-specific cuts, competitor benchmarks, and granular audience filters across 12,000+ tracked brands, see [https://www.generalevidence.com/en](https://www.generalevidence.com/en).