It basically comes down to what % of people are good with money mangement and who aren't. Who's paying their debts on time and whos living pay check to paycheck or whatever reason and paying late.
It's a numbers game for them.
Again you're the smaller % of people who have good money mgmt and pays on time.
What kind of merchants were you using BNPL for that were $0 merchant fees? Asking purely so we can understand the situation better. From memory you're using ZipBusiness Trade.
The cc merchant fees they getting charged is something to be looked at. Hasn't been established if they have an agreement or not for lower fees or whatever.
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