In mainstream eCommerce, Buy Now, Pay Later drives 20-30% higher checkout conversion and 10-20% higher average order value. Across retail, approximately 7% of online transactions use BNPL. In the Shooting, Hunting, Outdoor & Tactical industry, adoption is materially lower – not because demand doesn’t exist, but because mainstream BNPL providers refuse to serve firearms, ammo, and tactical categories. The result is lost sales, abandoned carts, and suppressed online growth.