If you pay for something costing over £100 and up to £30,000 by credit card and there’s a problem, for example an item is damaged or broken, you can make a complaint to your lender and ask for a refund under section 75.
However, even if you use a credit card to make a BNPL payment, you’re not covered under section 75. This is because the payment is made by the BNPL provider to the retailer. Be aware of this if a BNPL provider offers the option for you to pay using the credit card you have stored with them – if you agree, you’ll lose section 75 protection.
Before you buy anything, check what buyer protection your BNPL provider offers. For example, some providers will pause payments until the issue is resolved and refund any payments you’ve already made if the dispute is settled in your favour. However, be aware these are policies rather than legal rights.