Most people pay off a credit card in full every month so it's really just about the convenience. BNPL is similar in fact, most purchases are paid off in install

Most people pay off a credit card in full every month so it's really just about the convenience. BNPL is similar in fact, most purchases are paid off in installments over 30 days with no interest or late fees charged. As the article covers the merchant pays a slightly higher fee in exchange for slightly better terms than a CC, and customers buy slightly more then they would have otherwise.