It's from trustpilot. You can compare Quadpay 4.4 vs Clearpay 4.7 which have more comparable reviews.
I'm just playing devils advocate here. This was in response to a Z1P ramper who is painting Afterpay as a company that's giving BNPL a bad name. Not really sure in what alternative universe that is true when anecdotal evidence suggests customers and merchants love them.
But like I said, blinkers on.
buy now pain latter, page-252
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