Goldman Sachs insist $42.90, page-18

It is certainly NOT a typo by StkGrl90. We have Humm at my place of business and it is set up for larger amounts and longer periods.
The commission that we have to pay depends on how much is borrowed, how much deposit is paid and how long the customer wants to borrow the money for. The application process is an absolute nightmare, and the charge to us is anywhere from about 7% to 12 % depending on what the customer decides to do. I have run through a trial approval and we refuse to do an application for a customer as it takes so long, and we have told the few people that want it to apply themselves and come back to us with an approval code.

From memory I think people can borrow up to about 15k for up to 36 months with no deposit.

For us if people want to use Humm it is better for us to try convince them to set up a free laybuy with us and we will throw in a gift of say $200 .
I got the understanding after talking to the Humm rep that they have different rates for different businesses.

The customer also has to pay a set up fee and monthly fee direct to Humm. While Humm is a BNPL scheme , I believe it is part of the flexigroup, they have been around for ages and are a very different beast to APT or ZIP. Humm is your typical buy it now and don't pay interest for a few years type scheme that has been around forever and a day.

My opinion Humm is more of a personal loan type set up with extended payment terms, except the retailer pays the interest for you. It is cumbersome and time consuming to apply and well I will let people google customers' experience with Humm.

I have never used Afterpay and we don't offer at our workplace but from what i'm hearing it is a much more user friendly product and seems to bring more to the table for retailers. It is a totally different beast and is there to offer people some payment flexibility over shorter time periods. Although I have no need for Afterpay and I wont ever use it, I do concede I can see how if someone was in a shop debating whether they can afford an extra pair of shoes, or shirt, or pants, there is a good chance that with Afterpay they will bit the bullet and up their initial spend.