In mainstream e-commerce, Buy Now Pay Later drives 20-30% higher checkout conversion and 10-20% higher average order value. Across retail, 18-20% of transactions use BPNL. In the Shooting, Hunting, Outdoor, and Tactical industry, adoption is under 5% — not because demand doesn’t exist, but because mainstream BNPL providers refuse firearms, ammo, and tactical categories.The result is lost sales, abandoned carts, and suppressed online growth.