PayPal officially joins the race, page-552

I agree, the relationship that Afterpay has with it's consumers through social media and app is second to none and this, in my view, is one of the reasons why Afterpay can charge higher fees than PayPal. I'm not sure what the future holds but as it stands at the moment, Pay-in-4 drives no lead referrals to merchants. That's a big win for Afterpay and a big reason why merchants would want to offer Afterpay alongside Pay-in-4.