I've always been suspicious of PayPal and rarely used it, I have...

I've always been suspicious of PayPal and rarely used it, I have never touched a BNPL, I have always found credit card fine and easy. But I'm middle aged!

The interesting point from that PayPal article is, if it's really true that APT charges 6% to companies, then it may make sense to run their own independent BNPL service as they used to with lay-by. I mean your Amazons down to your Myers- sized companies, pretty simple system to set up you would think.

Is there a BNPL stock that is selling independent systems for BNPL? i.e. selling the fishing rod not the fish?