Can data from Buy Now Pay Later (BNPL) accounts be shared?

By Frollo Helpdesk Updated 18 May 2026 06:26

Key Takeaways:

Currently, Buy Now Pay Later (BNPL) accounts cannot be directly linked via Open Banking.
BNPL transactions are still identified and presented in the Insights report.
The Consumer Data Right (CDR) is expanding to include BNPL, with activation expected in late 2026 and 2027.

This information ensures you understand the current capabilities and future plans for sharing BNPL data with Frollo.

When using Frollo to securely retrieve financial information, you might be wondering if data from Buy Now Pay Later (BNPL) accounts can be shared.

Here's a breakdown of the current situation and what to expect:

Current BNPL Account Linking

Currently, Clients are not able to link Buy Now Pay Later (BNPL) accounts directly via Open Banking.

BNPL Transactions Identified

However, BNPL and Pay-on-Demand transactions are identified and presented within the Insights PDF and Transactions spreadsheet. This means that while the accounts aren't directly linked, these transactions are still visible and considered.

Example Insights PDF excerpt:

Examples of BNPL Providers

Common BNPL providers whose transactions may be identified include Afterpay, Brighte, Humm, Klarna, LatitudePay, Payright, and Zip Pay.

Future Expansion of CDR to BNPL

The Australian Government announced in November 2024 that the Consumer Data Right (CDR) is expanding to the non-bank lending sector, including BNPL.

Staggered Activation Timeline

Staggered activation of this expansion is anticipated towards the end of 2026 and throughout 2027. This means that in the future, you will likely be able to link your BNPL accounts directly through Open Banking.

Information sheet:

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