
Credit in gaming is becoming more prevalent than ever. For consumers, it offers a way for them to access new experiences and pay at a pace rather than in one large sum. We’ve seen this with the XBOX All Access Program last generation. And again with the XBOX Series X|S, then-Project Scarlett, it was reintroduced in anticipation for the upcoming console then.
Even now, Microsoft through BarclaysUS offers its own Mastercard credit card. The new payment line not only builds credit, but also offers unique perks for select purchases including up to 5x back via purchases on the XBOX Store. Even PlayStation is also engaging in this as well. In the UK, users can opt-in to get their hands on a PlayStation 5 Pro through a payment plan with Raylo.
Now this week, dataminer @redphx has uncovered there is a new payment option coming to the XBOX Store that introduces ‘Buy Now Pay Later’ to the storefront. Both Paypal & Klarna are said to be leading establishments for this new feature according to the backend discovery.
The Xbox website will have the "Buy now Pay later" feature via Paypal & Klarna pic.twitter.com/ZdVnKOtOFi
— red // Better xCloud (@redphx) June 15, 2026
This is not the first accurate finding via datamine from the leaker. Just this past April the user uncovered a new subscription tier that focuses solely on first-party titles. This was later corroborated by Windows Central for the ‘Pick Your Own Plan’ initiative that is currently being shopped around internally at Microsoft.
As for payment alternatives on XBOX specifically, we have seen this come in the past. Back in 2023, Venmo was an added option to your account payment choices which broaden different avenues for users to complete transactions. You can read the full report by heading here.
Are you for Buy Now Pay Later coming to XBOX or no?







