CRIF: Deferred payments already cover millions of online purchases

In the fourth quarter of 2025 and the first quarter of 2026, consumers conclude 19.7 million transactions with deferred payment worth nearly PLN 5.5 billion - estimates CRIF Poland. The average purchase value is PLN 277. The data comes from an analysis of the largest domestic BNPL operators and shows the scale of financing online purchases.

In the surveyed market, 72 percent using this method are women, and 61 percent customers are between 25 and 44 years old. A large part of them are returnees. The service is no longer limited to fashion or electronics: it is also appearing in home goods, services and travel, with the development of e-commerce as a whole.

CRIF indicates a low, approximately one percent share of overdue payments in the analyzed data. Experts attribute the popularity of BNPL to its convenience and availability from other sellers. This is an image of a specific period and group of operators, not a confirmation that each deferred purchase is cost-free or safe for the budget. The repayment obligation still depends on the concluded contract.

In the first quarter of 2026 alone, the analysis indicates 9.4 million transactions worth PLN 2.6 billion. This allows you to separate the most recent quarter from the total value of the two periods examined.