Predictable costs
Your fee doesn't scale with basket value the way a BNPL percentage does.
Sports & outdoor
Ski season, summer, the new bike: your busiest weeks are when a percentage-based BNPL fee costs you most. A flat subscription and a small per-order fee keep peaks profitable.

Your fee doesn't scale with basket value the way a BNPL percentage does.
Thousands of day-30 debits run without extra work in the quiet season.
Tighten or relax who sees pay later before each peak.
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