Pay-in-30 and pay-monthly, assessed against pay-in-four
The category's other two shapes: defer everything for a month, or spread it over many. Assessed on how differently they behave when something goes wrong.
Buy now, pay later — and the fine print.
Neobanks quietly became credit companies
The pitch was a better current account. The revenue increasingly comes from lending — and that changes what a customer is looking at.
The pay-in-four plan, assessed as a credit product
Four instalments, no interest, one checkout tap. Assessed on the terms rather than the button — because an instalment plan is credit whatever the button calls it.
BNPL's late-fee model diverges sharply by market
The same provider, the same four instalments, and completely different consequences for missing one — depending entirely on where you live.