> bnpl makes its money off charging merchants a few points higher service fees than cards Restaurant food is a low to very low profit margin business that take

> bnpl makes its money off charging merchants a few points higher service fees than cards Restaurant food is a low to very low profit margin business that takes years to break even – with a good strategy and management. Charging the merchant, i.e. the burrito service provider, means that they will inevitably have to pass costs onto the burrito consumer at the consumer's disadvantage.