buy now pain latter, page-198

agreed.!

now what i want to ask you and others
do you use tap and zip?
if yes would you be happy to pay $4 per transaction (add up up over a year) - if 100 transactions per year with a strike rate of landing at intergrated merchants of 15% (thats being generous considering bnpl covers less that 1% of merchants in tam) equals 85 ×$4 that $340 per year on a low limit credit facility.

i know i know,, quad and tap and zip are different. but US customers are faced with this. would you be happy if tap and zip was charging you this? would the majority of customers be happy knowing (based on my personal usage of cc) replacing a cc could cost approx $3000 in conveniences fees?

and before you say users are not using it like a cc,, thats great, are zip/quad aiming at low usage customers?

these are questions i ask for my investment, and all in my own opinion.

trust me im happy the sp has gone up. but im personally keen to get out. if zip innovate to make quad more like tap and zip id buy more.