Industry WIKI

Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later (BNPL) financier. As of 2026, Affirm reports nearly 28 million users and processes $50 billion in annual payments.

Buy now, pay later (BNPL) is a type of short-term debt financing that allows consumers to make purchases while only initially paying for a portion of their value, postponing payment of the remainder of the debt until a future date, or dividing it into a series of installment payments. BNPL is generally structured like a hire purchase or installment plan money lending process that involve

Shop Pay (also known as Shop, and formerly known as Shopify Pay) is a checkout and payment method developed by Shopify. The service allows users to securely store shipping and billing information in their Shop account, enabling one-click checkouts across online stores that offer Shop Pay.

Zilch Technology Limited (known as Zilch) is a British multi-national direct-to-consumer payments network. Since April 2020, Zilch has been regulated by the UK's Financial Conduct Authority (FCA), obtaining a consumer credit license through the Regulatory Sandbox Programme. Zilch has its headquarters in London, UK, an office in Miami, US, and a technology hub in Krakow, Poland.