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woman holding christmas presents for the holiday

Layaway vs. BNPL: The Risks, Fees, and Pitfalls of Holiday Payment Plans

As the holiday season approaches, shoppers are searching for ways to spread out the cost of gift-giving. Two popular options — Layaway vs. BNPL (Buy Now, Pay Later) — allow consumers to purchase items without paying the full price upfront. While these payment plans may seem like a lifesaver, they come with risks, hidden fees, […]

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How BNPL Services Rip Off Merchants

Are BNPL Services Gouging Businesses? The Hidden Costs and Benefits Explained

Before I dive into how some Buy Now Pay Later (BNPL) services are costing businesses more than they bargained for, let’s acknowledge the full picture. BNPL has revolutionized how consumers shop and how merchants sell, offering shoppers flexible payments and giving businesses the chance to increase conversions and average order values. But while there are

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