Millennial Accounting Standards, page-31

One thing I don’t like the sound of with afterpay late fees is say if you had 2 diff transactions of $100 and were unable to pay either then you’d cop 2 late fees on the dates they are incurred. However if the 2 items were bought together in 1 purchase for $200 then you’d only get got with 1 late fee. Not sure how they could implement it better tho.

Also Nick did say they try to waive late fees where possible and there is a financial hardship on the website if they know about that!