Selected research
Market Structure
Global Buy Now Pay Later Software Market by Size, by Type, by Application, by Region, History and Forecast 2021-2032
Market perspective
The global Buy Now Pay Later Software market was valued at US$ million in 2026 and is projected to reach US$ million by 2032, implying a CAGR of xx% over 2026-2032.
The US & Canada market for Buy Now Pay Later Software is projected to increase from US$ million in 2026 to US$ million by 2032, at a CAGR of % over 2026-2032.
The Europe market for Buy Now Pay Later Software is projected to increase from US$ million in 2026 to US$ million by 2032, at a CAGR of % over 2026-2032.
Read the full market overview
The Asia Pacific market for Buy Now Pay Later Software is projected to increase from US$ million in 2026 to US$ million by 2032, at a CAGR of % over 2026-2032.
The China market for Buy Now Pay Later Software is projected to increase from US$ million in 2026 to US$ million by 2032, at a CAGR of % over 2026-2032.
Leading global manufacturers of Buy Now Pay Later Software include PayPal, Afterpay, Sezzle, EasyPay, GoCardless, Zip, Postpay, Wisetack and Sunbit, among others. In 2025, the top three vendors together accounted for approximately % of global revenue.
Report Includes
This report provides an overview of the global Buy Now Pay Later Software market and its size, analyzing global market trends based on historical revenue data for 2021-2025, estimates for 2026, and projected CAGRs through 2032.
The study covers key producers of Buy Now Pay Later Software and revenue in major regions and countries, assesses future market potential, and highlights priority regions and countries for segmenting the market into sub-sectors, with country-specific market value data for the U.S., Canada, Mexico, Brazil, China, Japan, South Korea, Southeast Asia, India, Germany, the U.K., Italy, the Middle East, Africa, and other countries.
The report also presents Buy Now Pay Later Software revenue, market share, and industry ranking for the main manufacturers for 2021-2026, identifies the major stakeholders in the global market, and analyzes their competitive landscape and market positioning based on recent developments and segmental revenues.
In addition, the report analyzes segment data by Type and Application—covering revenue and growth rates—for 2021-2032, and evaluates and forecasts the Buy Now Pay Later Software market size, projected growth trends, production technologies, key applications, and end-use industries.
Buy Now Pay Later Software Segment by Company
PayPal
Afterpay
Sezzle
EasyPay
GoCardless
Zip
Postpay
Wisetack
Sunbit
Klarna
Laterpay
Affirm
ViaBill
Splitit
Bread Financial
Credit Key
Zilla
Laybuy
FuturePay
TABBY
Alternative Payments
Tamara
Buy Now Pay Later Software Segment by Type
Android System
IOS System
Buy Now Pay Later Software Segment by Application
Online Retailer
Fintech Platform
Others
Buy Now Pay Later Software Segment by Region
North America
United States
Canada
Mexico
Europe
Germany
France
U.K.
Italy
Russia
Spain
Netherlands
Switzerland
Sweden
Poland
Asia-Pacific
China
Japan
South Korea
India
Australia
Taiwan
Southeast Asia
South America
Brazil
Argentina
Chile
Middle East & Africa
Egypt
South Africa
Israel
Türkiye
GCC Countries
Study Objectives
1. To analyze and research the global status and future forecast, involving, production, value, consumption, growth rate (CAGR), market share, historical and forecast.
2. To present the key manufacturers, capacity, production, revenue, market share, and Recent Developments.
3. To split the breakdown data by regions, type, manufacturers, and Application.
4. To analyze the global and key regions market potential and advantage, opportunity and challenge, restraints, and risks.
5. To identify significant trends, drivers, influence factors in global and regions.
6. To analyze competitive developments such as expansions, agreements, new product launches, and acquisitions in the market.
Reasons to Buy This Report
1. This report will help the readers to understand the competition within the industries and strategies for the competitive environment to enhance the potential profit. The report also focuses on the competitive landscape of the global Buy Now Pay Later Software market, and introduces in detail the market share, industry ranking, competitor ecosystem, market performance, new product development, operation situation, expansion, and acquisition. etc. of the main players, which helps the readers to identify the main competitors and deeply understand the competition pattern of the market.
2. This report will help stakeholders to understand the global industry status and trends of Buy Now Pay Later Software and provides them with information on key market drivers, restraints, challenges, and opportunities.
3. This report will help stakeholders to understand competitors better and gain more insights to strengthen their position in their businesses. The competitive landscape section includes the market share and rank (in volume and value), competitor ecosystem, new product development, expansion, and acquisition.
4. This report stays updated with novel technology integration, features, and the latest developments in the market.
5. This report helps stakeholders to gain insights into which regions to target globally.
6. This report helps stakeholders to gain insights into the end-user perception concerning the adoption of Buy Now Pay Later Software.
7. This report helps stakeholders to identify some of the key players in the market and understand their valuable contribution.
Chapter Outline
Chapter 1: Introduces the report scope of the report, executive summary of different market segments (product type, application, etc), including the market size of each market segment, future development potential, and so on. Revenue of Buy Now Pay Later Software in global and regional level. It provides a quantitative analysis of the market size and development potential of each region and its main countries and introduces the market development, future development prospects, market space, and capacity of each country in the world. It offers a high-level view of the current state of the market and its likely evolution in the short to mid-term, and long term.
Chapter 2: Analysis key trends, drivers, challenges, and opportunities within the global Buy Now Pay Later Software industry.
Chapter 3: Detailed analysis of Buy Now Pay Later Software companies' competitive landscape, revenue, market share and industry ranking, latest development plan, merger, and acquisition information, etc.
Chapter 4: Provides the analysis of various market segments by type, covering the revenue, and development potential of each market segment, to help readers find the blue ocean market in different market segments.
Chapter 5: Provides the analysis of various market segments by application, covering the revenue, and development potential of each market segment, to help readers find the blue ocean market in different downstream markets.
Chapter 6: Provides profiles of key companies, introducing the basic situation of the main companies in the market in detail, including product descriptions and specifications, Buy Now Pay Later Softwarerevenue, gross margin, and recent development, etc.
Chapter 7: North America (US & Canada) by type, by application and by country, revenue for each segment.
Chapter 8: Europe by type, by application and by country, revenue for each segment.
Chapter 9: China by type, and by application, revenue for each segment.
Chapter 10: Asia (excluding China) by type, by application and by region, revenue for each segment.
Chapter 11: South America, Middle East & Africa by type, by application and by country, revenue for each segment.
Chapter 12: Concluding Insights of the report.
More report detail
Tables and figures
Scope & coverage.
Types
- Android System
- IOS System
Applications
- Online Retailer
- Fintech Platform
- Others
Companies covered
- PayPal
- Afterpay
- Sezzle
- EasyPay
- GoCardless
- Zip
- Postpay
- Wisetack
- Sunbit
- Klarna
- Laterpay
- Affirm
- ViaBill
- Splitit
- Bread Financial
- Credit Key
- Zilla
- Laybuy
- FuturePay
- TABBY
- Alternative Payments
- Tamara
Inside the report.
1 Market Overview
- 1.1 Product Definition
- 1.2 Market Analysis by Type
- 1.2.1 Global Buy Now Pay Later Software Market Size Growth Rate by Type: 2021 VS 2025 VS 2032
- 1.2.2 Android System
- 1.2.3 IOS System
- 1.3 Market Analysis by Application
- 1.3.1 Global Buy Now Pay Later Software Market Size Growth Rate by Application: 2021 VS 2025 VS 2032
- 1.3.2 Online Retailer
- 1.3.3 Fintech Platform
- 1.3.4 Others
- 1.4 Global Market Growth Prospects
- 1.5 Global Buy Now Pay Later Software Growth Trends by Region
- 1.5.1 Global Buy Now Pay Later Software Market Size by Region: 2021 VS 2025 VS 2032
- 1.5.2 Buy Now Pay Later Software Market Size by Region (2021-2026)
- 1.5.3 Buy Now Pay Later Software Market Size by Region (2027-2032)
- 1.6 Assumptions and Limitations
- 1.7 Study Goals and Objectives
- 1.8 Years Considered
2 Global Buy Now Pay Later Software Market Dynamics
- 2.1 Buy Now Pay Later Software Industry Trends
- 2.2 Buy Now Pay Later Software Industry Drivers
- 2.3 Buy Now Pay Later Software Industry Opportunities and Challenges
- 2.4 Buy Now Pay Later Software Industry Restraints
3 Competitive Landscape by Company
- 3.1 Global Buy Now Pay Later Software Revenue by Company (2021-2026)
- 3.2 Global Buy Now Pay Later Software Players Revenue Ranking, 2024 VS 2025 VS 2026
- 3.3 Global Buy Now Pay Later Software Key Company Head office and Area Served
- 3.4 Global Buy Now Pay Later Software Company, Product Type & Application
- 3.5 Global Buy Now Pay Later Software Company Establishment Date
- 3.6 Market Competitive Analysis
- 3.6.1 Global Buy Now Pay Later Software Market CR5 and HHI
- 3.6.2 Global Top 5 and 10 Buy Now Pay Later Software Players Market Share by Revenue in 2025
- 3.6.3 2025 Buy Now Pay Later Software Tier 1, Tier 2, and Tier 3
4 Buy Now Pay Later Software Market by Type
- 4.1 Global Buy Now Pay Later Software Market Size by Type (2021 VS 2025 VS 2032)
- 4.2 Global Buy Now Pay Later Software Market Size by Type (2021-2032)
- 4.3 Global Buy Now Pay Later Software Market Size Share by Type (2021-2032)
5 Buy Now Pay Later Software Market by Application
- 5.1 Global Buy Now Pay Later Software Market Size by Application (2021 VS 2025 VS 2032)
- 5.2 Global Buy Now Pay Later Software Market Size by Application (2021-2032)
- 5.3 Global Buy Now Pay Later Software Market Size Share by Application (2021-2032)
6 Company Profiles
- 6.1 PayPal
- 6.1.1 PayPal Company Information
- 6.1.2 PayPal Business Overview
- 6.1.3 PayPal Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.1.4 PayPal Buy Now Pay Later Software Product Portfolio
- 6.1.5 PayPal Recent Developments
- 6.2 Afterpay
- 6.2.1 Afterpay Company Information
- 6.2.2 Afterpay Business Overview
- 6.2.3 Afterpay Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.2.4 Afterpay Buy Now Pay Later Software Product Portfolio
- 6.2.5 Afterpay Recent Developments
- 6.3 Sezzle
- 6.3.1 Sezzle Company Information
- 6.3.2 Sezzle Business Overview
- 6.3.3 Sezzle Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.3.4 Sezzle Buy Now Pay Later Software Product Portfolio
- 6.3.5 Sezzle Recent Developments
- 6.4 EasyPay
- 6.4.1 EasyPay Company Information
- 6.4.2 EasyPay Business Overview
- 6.4.3 EasyPay Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.4.4 EasyPay Buy Now Pay Later Software Product Portfolio
- 6.4.5 EasyPay Recent Developments
- 6.5 GoCardless
- 6.5.1 GoCardless Company Information
- 6.5.2 GoCardless Business Overview
- 6.5.3 GoCardless Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.5.4 GoCardless Buy Now Pay Later Software Product Portfolio
- 6.5.5 GoCardless Recent Developments
- 6.6 Zip
- 6.6.1 Zip Company Information
- 6.6.2 Zip Business Overview
- 6.6.3 Zip Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.6.4 Zip Buy Now Pay Later Software Product Portfolio
- 6.6.5 Zip Recent Developments
- 6.7 Postpay
- 6.7.1 Postpay Company Information
- 6.7.2 Postpay Business Overview
- 6.7.3 Postpay Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.7.4 Postpay Buy Now Pay Later Software Product Portfolio
- 6.7.5 Postpay Recent Developments
- 6.8 Wisetack
- 6.8.1 Wisetack Company Information
- 6.8.2 Wisetack Business Overview
- 6.8.3 Wisetack Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.8.4 Wisetack Buy Now Pay Later Software Product Portfolio
- 6.8.5 Wisetack Recent Developments
- 6.9 Sunbit
- 6.9.1 Sunbit Company Information
- 6.9.2 Sunbit Business Overview
- 6.9.3 Sunbit Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.9.4 Sunbit Buy Now Pay Later Software Product Portfolio
- 6.9.5 Sunbit Recent Developments
- 6.10 Klarna
- 6.10.1 Klarna Company Information
- 6.10.2 Klarna Business Overview
- 6.10.3 Klarna Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.10.4 Klarna Buy Now Pay Later Software Product Portfolio
- 6.10.5 Klarna Recent Developments
- 6.11 Laterpay
- 6.11.1 Laterpay Company Information
- 6.11.2 Laterpay Business Overview
- 6.11.3 Laterpay Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.11.4 Laterpay Buy Now Pay Later Software Product Portfolio
- 6.11.5 Laterpay Recent Developments
- 6.12 Affirm
- 6.12.1 Affirm Company Information
- 6.12.2 Affirm Business Overview
- 6.12.3 Affirm Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.12.4 Affirm Buy Now Pay Later Software Product Portfolio
- 6.12.5 Affirm Recent Developments
- 6.13 ViaBill
- 6.13.1 ViaBill Company Information
- 6.13.2 ViaBill Business Overview
- 6.13.3 ViaBill Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.13.4 ViaBill Buy Now Pay Later Software Product Portfolio
- 6.13.5 ViaBill Recent Developments
- 6.14 Splitit
- 6.14.1 Splitit Company Information
- 6.14.2 Splitit Business Overview
- 6.14.3 Splitit Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.14.4 Splitit Buy Now Pay Later Software Product Portfolio
- 6.14.5 Splitit Recent Developments
- 6.15 Bread Financial
- 6.15.1 Bread Financial Company Information
- 6.15.2 Bread Financial Business Overview
- 6.15.3 Bread Financial Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.15.4 Bread Financial Buy Now Pay Later Software Product Portfolio
- 6.15.5 Bread Financial Recent Developments
- 6.16 Credit Key
- 6.16.1 Credit Key Company Information
- 6.16.2 Credit Key Business Overview
- 6.16.3 Credit Key Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.16.4 Credit Key Buy Now Pay Later Software Product Portfolio
- 6.16.5 Credit Key Recent Developments
- 6.17 Zilla
- 6.17.1 Zilla Company Information
- 6.17.2 Zilla Business Overview
- 6.17.3 Zilla Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.17.4 Zilla Buy Now Pay Later Software Product Portfolio
- 6.17.5 Zilla Recent Developments
- 6.18 Laybuy
- 6.18.1 Laybuy Company Information
- 6.18.2 Laybuy Business Overview
- 6.18.3 Laybuy Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.18.4 Laybuy Buy Now Pay Later Software Product Portfolio
- 6.18.5 Laybuy Recent Developments
- 6.19 FuturePay
- 6.19.1 FuturePay Company Information
- 6.19.2 FuturePay Business Overview
- 6.19.3 FuturePay Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.19.4 FuturePay Buy Now Pay Later Software Product Portfolio
- 6.19.5 FuturePay Recent Developments
- 6.20 TABBY
- 6.20.1 TABBY Company Information
- 6.20.2 TABBY Business Overview
- 6.20.3 TABBY Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.20.4 TABBY Buy Now Pay Later Software Product Portfolio
- 6.20.5 TABBY Recent Developments
- 6.21 Alternative Payments
- 6.21.1 Alternative Payments Company Information
- 6.21.2 Alternative Payments Business Overview
- 6.21.3 Alternative Payments Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.21.4 Alternative Payments Buy Now Pay Later Software Product Portfolio
- 6.21.5 Alternative Payments Recent Developments
- 6.22 Tamara
- 6.22.1 Tamara Company Information
- 6.22.2 Tamara Business Overview
- 6.22.3 Tamara Buy Now Pay Later Software Revenue and Gross Margin (US$ Million) & (2021-2026)
- 6.22.4 Tamara Buy Now Pay Later Software Product Portfolio
- 6.22.5 Tamara Recent Developments
7 North America
- 7.1 North America Buy Now Pay Later Software Market Size (2021-2032)
- 7.2 North America Buy Now Pay Later Software Market Size by Type
- 7.2.1 North America Buy Now Pay Later Software Market Size by Type (2021-2026)
- 7.2.2 North America Buy Now Pay Later Software Market Size by Type (2027-2032)
- 7.2.3 North America Buy Now Pay Later Software Market Share by Type (2021-2032)
- 7.3 North America Buy Now Pay Later Software Market Size by Application
- 7.3.1 North America Buy Now Pay Later Software Market Size by Application (2021-2026)
- 7.3.2 North America Buy Now Pay Later Software Market Size by Application (2027-2032)
- 7.3.3 North America Buy Now Pay Later Software Market Share by Application (2021-2032)
- 7.4 North America Buy Now Pay Later Software Market Size by Country
- 7.4.1 North America Buy Now Pay Later Software Market Size by Country (2021 VS 2025 VS 2032)
- 7.4.2 North America Buy Now Pay Later Software Market Size by Country (2021-2026)
- 7.4.3 North America Buy Now Pay Later Software Market Size by Country (2027-2032)
- 7.4.4 North America Buy Now Pay Later Software Market Share by Country (2021-2032)
- 7.4.5 United States
- 7.4.6 Canada
- 7.4.7 Mexico
8 Europe
- 8.1 Europe Buy Now Pay Later Software Market Size (2021-2032)
- 8.2 Europe Buy Now Pay Later Software Market Size by Type
- 8.2.1 Europe Buy Now Pay Later Software Market Size by Type (2021-2026)
- 8.2.2 Europe Buy Now Pay Later Software Market Size by Type (2027-2032)
- 8.2.3 Europe Buy Now Pay Later Software Market Share by Type (2021-2032)
- 8.3 Europe Buy Now Pay Later Software Market Size by Application
- 8.3.1 Europe Buy Now Pay Later Software Market Size by Application (2021-2026)
- 8.3.2 Europe Buy Now Pay Later Software Market Size by Application (2027-2032)
- 8.3.3 Europe Buy Now Pay Later Software Market Share by Application (2021-2032)
- 8.4 Europe Buy Now Pay Later Software Market Size by Country
- 8.4.1 Europe Buy Now Pay Later Software Market Size by Country (2021 VS 2025 VS 2032)
- 8.4.2 Europe Buy Now Pay Later Software Market Size by Country (2021-2026)
- 8.4.3 Europe Buy Now Pay Later Software Market Size by Country (2027-2032)
- 8.4.4 Europe Buy Now Pay Later Software Market Share by Country (2021-2032)
- 8.4.5 Germany
- 8.4.6 France
- 8.4.7 U.K.
- 8.4.8 Italy
- 8.4.9 Russia
- 8.4.10 Nordic Countries
9 China
- 9.1 China Buy Now Pay Later Software Market Size (2021-2032)
- 9.2 China Buy Now Pay Later Software Market Size by Type
- 9.2.1 China Buy Now Pay Later Software Market Size by Type (2021-2026)
- 9.2.2 China Buy Now Pay Later Software Market Size by Type (2027-2032)
- 9.2.3 China Buy Now Pay Later Software Market Share by Type (2021-2032)
- 9.3 China Buy Now Pay Later Software Market Size by Application
- 9.3.1 China Buy Now Pay Later Software Market Size by Application (2021-2026)
- 9.3.2 China Buy Now Pay Later Software Market Size by Application (2027-2032)
- 9.3.3 China Buy Now Pay Later Software Market Share by Application (2021-2032)
10 Asia (Excluding China)
- 10.1 Asia Buy Now Pay Later Software Market Size (2021-2032)
- 10.2 Asia Buy Now Pay Later Software Market Size by Type
- 10.2.1 Asia Buy Now Pay Later Software Market Size by Type (2021-2026)
- 10.2.2 Asia Buy Now Pay Later Software Market Size by Type (2027-2032)
- 10.2.3 Asia Buy Now Pay Later Software Market Share by Type (2021-2032)
- 10.3 Asia Buy Now Pay Later Software Market Size by Application
- 10.3.1 Asia Buy Now Pay Later Software Market Size by Application (2021-2026)
- 10.3.2 Asia Buy Now Pay Later Software Market Size by Application (2027-2032)
- 10.3.3 Asia Buy Now Pay Later Software Market Share by Application (2021-2032)
- 10.4 Asia Buy Now Pay Later Software Market Size by Country
- 10.4.1 Asia Buy Now Pay Later Software Market Size by Country (2021 VS 2025 VS 2032)
- 10.4.2 Asia Buy Now Pay Later Software Market Size by Country (2021-2026)
- 10.4.3 Asia Buy Now Pay Later Software Market Size by Country (2027-2032)
- 10.4.4 Asia Buy Now Pay Later Software Market Share by Country (2021-2032)
- 10.4.5 Japan
- 10.4.6 South Korea
- 10.4.7 Taiwan
- 10.4.8 Southeast Asia
- 10.4.9 India
- 10.4.10 Australia
11 South America, Middle East & Africa
- 11.1 South America, Middle East & Africa Buy Now Pay Later Software Market Size (2021-2032)
- 11.2 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Type
- 11.2.1 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Type (2021-2026)
- 11.2.2 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Type (2027-2032)
- 11.2.3 South America, Middle East & Africa Buy Now Pay Later Software Market Share by Type (2021-2032)
- 11.3 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Application
- 11.3.1 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Application (2021-2026)
- 11.3.2 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Application (2027-2032)
- 11.3.3 South America, Middle East & Africa Buy Now Pay Later Software Market Share by Application (2021-2032)
- 11.4 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Country
- 11.4.1 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Country (2021 VS 2025 VS 2032)
- 11.4.2 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Country (2021-2026)
- 11.4.3 South America, Middle East & Africa Buy Now Pay Later Software Market Size by Country (2027-2032)
- 11.4.4 South America, Middle East & Africa Buy Now Pay Later Software Market Share by Country (2021-2032)
- 11.4.5 Brazil
- 11.4.6 South Africa
- 11.4.7 Saudi Arabia
- 11.4.8 Turkey
- 11.4.9 Argentina
- 11.4.9 UAE
- 11.4.9 Egypt
- 11.4.9 Chile
12 Concluding Insights
13 Appendix
- 13.1 Reasons for Doing This Study
- 13.2 Research Methodology
- 13.3 Research Process
- 13.4 Authors List of This Report
- 13.5 Data Source
- 13.5.1 Secondary Sources
- 13.5.2 Primary Sources
- 13.6 Disclaimer
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