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Xbox 后台代码泄露：或即将支持 PayPal 和 Klarna“先买后付”

2026年6月15日，数据挖掘者在 Xbox 网站后端代码中发现与“Buy Now, Pay Later”相关的界面字符串，明确引用了 PayPal Pay Later 和 Klarna Flexible Payments 两种分期服务 [2][8][12]。泄露代码显示 PayPal 提供“分4期免息”和最长24个月的分期融资；Klarna 则提供“分3期付款”，首笔款项在结账时支付，剩余两笔分别在30天和60天后扣除 [7][10][15]。

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Concept illustration of a gaming console and controller hovering over a split-screen checkout interface with PayPal and Klarna logos and a Buy Now, Pay Later progress bar, symboliz — What does leaked code on the Xbox website suggest about Microsoft's plans to integrate Buy Now, Pay Later (BNPL) payment options through PayA concept visual based on leaked Xbox code that references PayPal Pay Later and Klarna Flexible Payments for a potential buy now, pay later checkout flow.
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Create a landscape editorial hero image for this Studio Global article: What does leaked code on the Xbox website suggest about Microsoft's plans to integrate Buy Now, Pay Later (BNPL) payment options through Pay. Article summary: On June 15, 2026, data miner @redphx discovered strings and code on the Xbox website referencing "PayPal Pay Later" and "Klarna Flexible Payments," indicating Microsoft is preparing to integrate Buy Now, Pay Later (BNPL). Topic tags: general, news, general web, user generated. Reference image context from search candidates: Reference image 1: visual subject "“With PayPal Pay in 4, eligible consumers will now be able to divide their purchases into four interest-free instalments, with no late fees," source context "It’s “Play Now, Pay Later” as Microsoft Rolls Out BNPL – channelnews" Reference image 2: visual subject "“With PayPal Pay in 4, eligible consumers wil
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2026年6月15日，数据挖掘者 @redphx 在 Xbox 网站的后端代码中发现了一组引人注目的文本。“Buy what you love and pay later（先买所爱，稍后付款）”、“可分摊至数周或数月支付”等界面字符串，连同对 PayPal Pay Later 和 Klarna Flexible Payments 的明确引用，强烈暗示微软正准备在其数字商店中集成“先买后付”（Buy Now, Pay Later, BNPL）功能。如果成真，这将改变玩家购买游戏主机、数字游戏和订阅服务时的支付习惯。

泄露的分期方案如何运作？

从泄露的代码及微软现有的支付页面信息来看，两家支付服务商将提供不同的分期结构：

PayPal Pay Later：提供两个层级。其一是 Pay in 4，即分4期、每两周支付一次，适用于消费金额在 30至1500美元 之间的订单，且为免息方案。其二是 月度融资，允许将消费金额在 49至10000美元 之间的订单分摊到最长 24个月 内支付，年利率（APR）则很可能取决于用户的信用评估结果。

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