Microsoft has quietly added code to its Xbox's website that data miners recently discovered that shows it is now offering a "Buy Now, Pay Later" option for all users to enjoy on console purchases.
However, as per the leak, the Buy Now, Pay Later option on the website only applies to users looking to buy a console at the checkout section of the device's purchase. Other purchases like accessories and other products reportedly did not get this option.
Xbox Website Leaks 'Buy Now, Pay Later'
The feature was initially uncovered through the site's backend code before being spotted by redphx, who then shared it on X. According to the data miner, the site's backend now includes code that indicates both PayPal and Klarna will be available for the Buy Now, Pay Later option. However, as of writing, only the PayPal option appears to be active on the site.
Buyers are given an opportunity to pay for their purchase across four interest-free bi-weekly payments, or they can finance their deal to pay off their new Xbox over 24 months instead.
The appearance of the feature in the site's code before a formal announcement suggests Microsoft is in the process of rolling it out rather than making a splashy reveal. No official statement from Xbox about the new payment option has been made at the time of writing.
The future isn't affordability it's payment plans. This was set in stone a long time ago as console manufacturers continue to increase prices with time disproportionately to people's ability to afford them. This will be a thing on the eshops too. $100 game? Pay $25 a month in 4.
— Al (@RiouInsuikoAl) June 15, 2026
Xbox 'Buy Now, Pay Later' Is For Consoles Only
According to GameRant, the option is only available when buying Xbox consoles, so those who were hoping to finance the cost of an Xbox controller or a game are out of luck with this option. The scope of the feature is deliberately narrow, targeting hardware purchases specifically rather than serving as a general financing solution for the Xbox storefront.
Xbox, like many other game systems, has seen the price of its consoles increase since their initial launch. The jump from $499 to $649 for an Xbox Series X and $299 to $449 for an Xbox Series S has likely made the cost too steep for some gamers.
A financing option helps address that barrier by spreading the cost out over time rather than requiring a full upfront payment.
Xbox is not the first console maker to offer this kind of flexibility. PlayStation already offers Klarna as a checkout option on its online store, giving buyers a similar path to financing a new PS5 or PS5 Pro.
On the other hand, Nintendo allows PayPal purchases on its store for the Switch 2 but does not actively promote financing options the same way.
Customers Suggest Additional Payment Plans For Console
The reaction to the leaked feature online has been largely positive, though some players have pointed out limitations worth noting. The 24-month financing option through PayPal is interest-bearing, meaning buyers who choose the longer repayment window will pay more than the listed price of the console over time.
Due to the increased cost of components driven by AI data center demand, it is unlikely that the prices of consoles will go down in the immediate future, and that includes Xbox systems. With Project Helix also on the horizon, Microsoft's next-generation hardware could be subject to even higher component costs by the time it launches.
Offering flexible payment tools now could be part of a broader strategy to keep Xbox hardware accessible during a period when prices across the industry continue to climb.
