Allowing the merchants to be able to set their own risk appetite for how they want to receive the payments is clever. Do you want full payment at the time of checkout? Do you want it once the item has been delivered? Do you want the payment to be split the payment once the item has been delivered? Do you want to be paid over 4 monthly payments? Are you comfortable to be paid over 12 monthly payments?
If these become / are customisable it can allow the merchants to be able to test and optimise their checkout based on customer behaviour
