Russia: buy now, pay later downloads 2019-2022

Klarna did not rank among downloaded apps in Russia that could be used for BNPL, a trait not found elsewhere in Europe. This according to an estimate using different buy now, pay later brands from across the world as well as within the country. Instead of Klarna, Russians downloaded local apps Mokka and Dolyame.ru from Tinkoff. The latter service launched in April 2021 as Russia's first BNPL serivce, whilst Mokka derives from a fintech located in Poland but also operates in Romania. A notable app in this list is ZoodPay, a super app similar to China’s WeChat and Alipay, in that it offers many wide-ranging services within its ecosystem. ZoodPay's buy now, pay later ecosystem, for instance, include a marketplace (ZoodMall), a cross-border system (ZoodShip), and logistics. The app aims itself at the Middle East, most notably Iraq, Jordan, Lebanon, Uzbekistan, and Kazakhstan. Russia's domestic financial clearing system - SPFS, or the System for Transfer of Financial Messages - is tied to that of Iran after the Middle Eastern country was cut of from international system SWIFT in 2019, a point that raised after Russia itself was excluded from SWIFT in 2022. PayPal is used in Russia, but it not immediately clear whether the numbers on display indicate use of certain buy now, pay later options found within the app or not.

Biggest buy now pay later (BNPL) apps in Russia from 2019 up until April 2022, by number of downloads

Characteristic	2019	2020	2021	April 2022 (YTD)
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Release date

May 2022

More information

Region

Russia

Survey time period

May 2022

Special properties

This statistic is the result of research into many different BNPL apps across the world. For more information, see the "Details" tab

Supplementary notes

* Some of the apps under review are not necessarily a "pure" BNPL player: The PayPal app, for example, has a BNPL option built inside of it - called "Pay in 4" - whereas Klarna is devoted solely to BNPL. It is therefore unclear whether these figures are fully comparable.

The names provided are based off multiple publications covering BNPL brands, and focus on BNPL providers with an app. If an app does not feature in the statistic, it is because download figures were too small. Note, however, that the selection of players is not exhaustive and does not include, for example, white labels as these do not have their own app- such as Divido, PayU, and Swap. The apps researched include: