It's very clearly stated IMO. In fact it was one of the key pieces of information provided. And in most instances that fee will be significantly less than a credit card.
Overall, I think z1p offers a better package than afterpay and isn't solely bnpl. It also provides some credit functions, and that's the reason I actually think it has better long term potential and a larger market. Virtual cards, bnpl bills, larger value items, etc offer soooo much more in the long run than 4* payments of a fixed amount.
Possible target price of $15-20, page-678
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