BNPL services collect purchase history, payment behavior, and financial data to build credit profiles. Your shopping habits reveal intimate details about your life.
Side-by-side comparison of privacy scores across major buy now pay later services.
| Service | Score | Grade | Key Privacy Issue | |
|---|---|---|---|---|
|
A
Affirm
Best in Category
|
52 | C | Purchase history shared with merchants and partners | View Review → |
|
A
Afterpay
|
45 | C- | Block/Square integration expands data sharing | View Review → |
|
K
Klarna
|
40 | C- | Extensive profiling for shopping recommendations | View Review → |
|
S
Sezzle
Lowest in Category
|
35 | D+ | Payment behavior used for credit scoring | View Review → |
Every purchase builds a detailed profile of your shopping habits, preferences, and financial behavior.
Your purchase history is shared with merchants for targeted marketing and upselling.
Payment history is reported to credit bureaus, affecting your credit score even for small purchases.
Payment patterns are analyzed to predict creditworthiness and spending capacity.
We also analyze buy now pay later terms of service for consumer fairness issues like billing, cancellation, and liability.
View ToS Watchdog Buy Now Pay Later →Click through for complete privacy analysis of each service.
If you're worried about how these services are using your data, or need help understanding your rights under privacy laws, I can help.