Of course - but someone has to pay cost of finance. There is no...

Of course - but someone has to pay cost of finance. There is no explanation on who this may be and their willingness. If these instalments are over a longer period than Afterpays (very likely) - then the cost of finance will be much much higher. This is also more than likely going to be aimed at higher transaction amounts (ie who is going to split their $150 payment on their credit card through this process when they already have that available rather than use APT). I'm actually surprised at the hoopla - more transactions for each purchase generally means more money in fees for everyone in the payment process.