Thats one tiny scenario. Some people don't want credit cards as it affects loan borrowing capacity.
The merchant may absorb half of the 4% fee, It may pass it on in full but it will be priced into the price of goods.
When there are sales, which there always is in retail the consumer may wish to use BNPL then to offset the 4% surcharge.
There's many factors at play here, but as I've said before ZIP also needs to divest and utulise the exisitng database with another product.
ZIP 3.0 could be it, who knows what that is. But if CS wasnt at the helm I would have bailed by now, at the moment it's a wait and see.
ANZ isnt the big picture here, it's the USA.
$2 PARTY, page-7000
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