I know this may sound flippant but I find it hard to believe that companies bring products to the market with names like "Oxipay", particularly in this sector. You would be surprised how much this can play into market penetration. "Afterpay" is brilliant, "Zip" is solid, "Sezzle" sounds like something I should bring along to a BBQ and "Oxipay" sounds like a credit line at your local welders!