Examples of buy now, pay later providers mentioned include:

• A. Visa, Mastercard, Amex
• B. Afterpay, Klarna, and Affirm.
• C. PayPal, Apple Pay, Google Pay
• D. ACH, wire

Answer: (B)

Buy now, pay later providers are specialized fintechs that let shoppers split a purchase into installments paid over time, often with no interest if paid on schedule. Afterpay, Klarna, and Affirm are exactly these BNPL players, focusing on offering installment plans at checkout and handling the financing and repayment terms directly with customers and merchants. In contrast, Visa, Mastercard, and Amex are card networks that enable credit through traditional card products issued by banks; they aren’t BNPL providers. PayPal, Apple Pay, and Google Pay are digital wallets or checkout platforms that enable fast payments, and while some may include BNPL options, they’re not the standalone BNPL providers. ACH and wire are traditional bank transfer methods, not installment financing. So the trio that exemplifies BNPL providers is Afterpay, Klarna, and Affirm.