A new discovery hidden within Xbox’s website code suggests Microsoft may be preparing to offer Buy Now, Pay Later options directly through its storefront.

According to dataminers, references to services such as Klarna and PayPal Pay in 4 have appeared in the backend of the Xbox website. If implemented, you could potentially split purchases into smaller payments rather than paying the full amount upfront. That could apply to everything from consoles and accessories to digital games and even Game Pass subscriptions.

While Microsoft has yet to officially announce the feature, the move would fit with a broader trend across the gaming industry. As game prices continue to climb and new hardware becomes increasingly expensive, companies have been looking for ways to make purchases more manageable for consumers.

Of course, the idea is already generating mixed reactions. Some see installment payments as a practical budgeting tool, especially for larger purchases like consoles.

Others worry that easier access to financing could encourage people to spend beyond their means, particularly younger players who may not fully understand the risks associated with missed payments.

Microsoft has experimented with similar concepts before through Xbox All Access, which allowed customers to purchase a console and Game Pass subscription through monthly payments. This latest discovery could simply be the next step in that strategy.