Alternative Metrics, page-3964

as a customer what am i going to choose

apt - free
(+possible late fee)

zip pay/money
$6 per month account keeping fee
$25 establishment fee
Interest at 19.9% after interest free period
(+ possible late fee)

consumers will drive market demand not merchants,, consumers prefer "free" over credit card like structure disguised as BNPL..

if a merchant wants my business i wont be told to use a bnpl services that will charge me to do so.