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Report: The Landscape of "Interest-Free" Buy Now, Pay Later (BNPL)

: Since they don't charge you interest, providers make money by charging merchants fees (often 4%–6% per transaction) and collecting late fees from users who miss deadlines. buy now pay later no interest

: As long as every payment is made on time, the consumer pays exactly the sticker price of the item. Report: The Landscape of "Interest-Free" Buy Now, Pay