Buy Now, Pay Later (BNPL) is a payment option that allows consumers to purchase goods or services immediately and pay for them over time, usually through interest-free installments. BNPL services are often offered at online checkouts and are increasingly popular for their convenience and flexibility. However, they can pose cybersecurity risks, such as data breaches, identity theft, and fraud, as personal and financial information is processed by third-party providers. Due to their credit-like nature, BNPL products are now subject to regulatory scrutiny in many regions to protect consumers and ensure responsible lending practices.