There is a variety of options to monetize a BNPL app, and the choice should be made based on your preferred business model. Some popular ways to generate revenue are: Charging a merchant fee (a flat fee or a percentage of the transaction amount) for offering the BNPL service. Charging customer fees for late payments. Charging merchant fees for promotional services, e.g., offering exclusive deals or personal discounts for merchants’ clients. Cross-selling or upselling other financial products, e.g., payment cards, personal loans, or insurance. Selling in-app advertising. Data monetization (requires app user consent).