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Home/Glossary/Buy now pay later

Fees and payouts · Rookie

Buy now pay later

By Omer Rapaport · Content updated 11 September 2026

Also searched as: BNPL, pay after passing, pay after you pass, pay when you pass, deferred challenge fee

What does Buy now pay later mean?

Buy now pay later in prop trading is a fee model that defers part or all of the evaluation price until a stated milestone, often passing the challenge. An initial entry fee may still apply.

Example

A hypothetical challenge costs $10 to start and another $190 after passing, making the total $200 before any other charges.

Illustrative example; not a provider’s quoted offer.

Why it matters for prop traders

Check the full payable amount, payment deadline and funded-stage rules. Provider-deferred fees differ from a third-party installment loan, whose repayments may remain due even after a failed challenge.

Sources and further reading

The following primary sources support the terminology. Provider rules describe their own products and may change.

  • Maven Trading - Buy Now, Pay Later challenge

Related terms

  • Account reset
  • Activation fee
  • Evaluation fee
← All 181 terms

Frequently asked questions

What should I check before choosing a deferred challenge fee?

Check the full payable amount, payment deadline and funded-stage rules. Provider-deferred fees differ from a third-party installment loan, whose repayments may remain due even after a failed challenge.

Sources: Maven Trading - Buy Now, Pay Later challenge

What is a practical example of Buy now pay later?

Illustrative example: A hypothetical challenge costs $10 to start and another $190 after passing, making the total $200 before any other charges.

Sources: Maven Trading - Buy Now, Pay Later challenge

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