"Afterpay has reported that it earned 24.4 percent of its income...

"Afterpay has reported that it earned 24.4 percent of its income from late fees - and 75.6 percent from merchant fees (charging retailers commission for each sale"

I know for the other BNPL, its a lot less than 25%. I saw a graph a few days ago outlining their revenue break downs.

I think it will be weird having CCR as a debt collector for afterpay. It will essentially be a payment plan for another payment plan lol. I dont see why afterpay wouldnt just text their customer directly and tell them to log into their app and pay otherwise they cop a fine.