‘Buy now, pay later’ sites are websites or apps that allow consumers to purchase products now, but pay the full amount over time with a number of smaller instalments. If the consumer can’t afford the full cost of a purchase right now, they can use a buy now, pay later service (like Afterpay) to make the payment for them. The merchant still gets paid (usually within two business days) while the consumer receives their desired products and services, and then pays the rest to the service provider in instalments. A $100 purchase for example, becomes four $25 payments over four weeks with Afterpay. The difference between this and a credit card, is that you don’t pay any interest.
Every day the world we live in becomes more and more mobile.
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