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Buy now pay later, is the new financial model that allow the user to use or buy product or service first before they make the payment, just the definition is similar to credit card. But this "BNPL" is the big thing in many countries and that may disturb the traditional financial way that we used to know. 

What Is Buy Now, Pay Later? 

Buy now, pay later is a type of short-term financing. BNPL plans often charge no interest and no fees, with the exception of late fees for missed payments.

 

BNPL Versus Credit Cards—What’s Better? 

BNPL is gaining popularity as an alternative to credit cards, particularly among younger consumers. Many younger adults fear getting into debt, so they avoid using credit cards for purchases and instead reach for the tech-friendly BNPL solution. Both methods come with their own pros and cons, and consumers should weigh the benefits and risks of each before blindly making purchases.

During the financial crisis, buy now pay later (BNPL) options exploded in popularity as consumers searched for ways to make purchases without having to use credit cards. They’re similar to layaway plans, but the difference is that you get your items immediately for a small down payment and pay them off over time with regular payments, often a few months at a time.

It can be hard to decide whether buy now pay later is a good option for you and your budget. If you’re not sure, it’s a good idea to shop around and compare BNPL companies before making [https://www.krungsri.com/th/wealth/krungsri-prime/privileges/articles/buy-now-pay-later ซื้อก่อนจ่ายทีหลัง] a decision. When deciding on a BNPL provider, it’s important to consider the fees that are associated with the service and how well it fits your budget. Some providers have high fees, while others offer low rates that are a more cost-effective alternative. Also, a good BNPL provider should have customer support that’s accessible and able to answer your questions in a timely manner.

One of the most important things to remember when using a BNPL option is to check your credit before opening an account. Some BNPL companies perform a soft-credit check, while others require no credit checks at all. The quickest way to find out if you qualify for a BNPL option is by visiting a BNPL provider’s website. Many BNPL sites are fully integrated into online store’s checkout, so there’s no need to open up a new browser window or log into another app to create an account. When you’re finished shopping, a BNPL provider will send your payment plan to you via email.

Incorporating a BNPL option into your ecommerce business is an excellent way to increase revenue and improve Customer Lifetime Value. It shows customers that you’re flexible in meeting their needs, which makes them more likely to return and make repeat purchases. You can also offer a BNPL option to your existing customers, which is an ideal way to reward them for their loyalty. Incorporating a BNPL payment option can also help build trust with your customers, which is essential for long-term success in the competitive ecommerce world.

The benefits of buy now pay later are numerous, and include:

Limit strains on your cash flow:

A BNPL option can be a great solution for businesses that need to purchase equipment but have limited budgets. They can split up the payments over a period of weeks or months, giving businesses more flexibility and allowing them to purchase equipment when its most profitable for their business.

Avoid overloading your other financing vehicles:

Using multiple BNPL options can be a common practice known as “loan stacking.” It’s possible to rack up high debts on these products, but it’s best to stay on top of them and manage them carefully.

It can also affect your credit score if you don’t pay off your debts on time. In fact, a number of BNPL companies charge late fees for missed payments, so it’s important to keep track of these fees and make them a priority to pay down. Find out more about, by reading the article: “Buy Now Pay Later Financial models that may come to disrupt traditional finances” by Siraphat Gauthira, CFP, Financial Planner at https://www.krungsri.com/th/wealth/krungsri-prime/privileges/articles/buy-now-pay-later You will be happy that you did!