How do Point of Sale companies (buy now pay later) offer 0% APR make money with customers who don't end up paying any interest due to having on-time payments.

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They don't (outside of the purchasing data). But for every one person that actually pays in time, there are many others who don't and owe 20%+ in interest.

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ahh purchasing data... I never thought about this.. I wonder how lucrative this option is lol

They also likely charge a fee to the Merchant that contracts their payment services.

That’s why different retailers you make purchases from use different services.

Any idea on the type of fee structure, I’m curious

TLDR; One way is charging merchants for routing traffic to them, increasing avg basket size, and increasing rate of sale for items added to cart

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