Suprised no one is talking about PayPal entering the Oz BNPL space after a successful launch in the U.S !!!!
And they are not charging any fees to businesses, If your a business owner and Afterpay are taking 5% of your profits, then PayPal look very attractive indeed, I know my wife will be adding a 5% surcharge on Afterpay purchases for her business and 0% for PayPal (once it launches in Oz), not hard to work out which way the consumer will go, given that option.
https://au.finance.yahoo.com/news/paypal-brings-buy-now-pay-050226694.html
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