> Doesn't afterpay act more like a loan? Yep. Buy-now-pay-later services are just short term loan providers. Part of what they're selling to merchants is the f

> Doesn't afterpay act more like a loan? Yep. Buy-now-pay-later services are just short term loan providers. Part of what they're selling to merchants is the fact they are regulated as lenders. We use Klarna in the UK to offer BNPL for exactly this reason, even though we could likely offer it ourselves.