Okay now you're starting add the pieces to the puzzle, so they're banking on overcharging the customer, reminds me a lot of those rent to own places where you can buy a appliance for say $30 a month, but at the end you paying $400 for a $120 appliance

I found this video on YouTube talking about the biggest firms in the BNPL space, also firms that pitched themselves as tech companies, so they managed to raise insane amounts of money without needing to show much upfront revenue 

https://www.youtube.com/watch?v=R1JaMRpcDrQ