Forum Discussion
MicrosoftIntroducing Buy now, pay later in Microsoft Edge
“Buy now, pay later,” or BNPL, lets shoppers break their purchases into equal installment payments, often interest-free, which can allow shoppers to get their purchase upfront, instead of having to wait until it’s paid in full.
Usually, BNPL is offered in specific ecommerce websites like Target, Walmart. But now, Microsoft partners with 3rd party Zip (previously Quadpay) to offer a BNPL payment option at browser level. It means any purchase between $35 - $1,000 you make through Microsoft Edge can be split into 4 installments over 6 weeks.
On top of coverage, we also aim to 1) meet you where you are. 2) simplify the application process.
Meet you where you are:
When you are in checkout page, you can find BNPL option right when you enter credit card number
For some shoppers, you can also find BNPL option right when you enter checkout page.
Simplify application process:
Applying BNPL could take time, you need to sign in with zip every single time. With BNPL in Edge, you can simply link your Microsoft account with your zip account with one click and then bypass sign in from Zip side. It can expedite the application process for you.
BNPL is currently available in Microsoft Edge Canary and Dev channels and will be available by default to all users in Microsoft Edge release 96. If you experience any issue while using this feature, please let us know through Microsoft Edge by pressing Shift+Alt+I on a Windows device or going to Settings and more … > Help and feedback > Send feedback.
You can read more on the FAQ support article. Please also join us here on the Microsoft Edge Insider forums or Twitter to discuss your experience or send us your feedback through the browser! We hope you enjoy this exciting new feature and look forward to hearing from you!
263 Replies
- Debt is a every serious, very real problem in the US and around the world. Baking this kind of "buy more than you can actually afford" directly into the browser is not only unrelated to the general browsing experience, it is downright dangerous for thousands of people, specially as the holiday season begins.
Edge has become such a great browser in the past years. User-oriented features like vertical tabs, groups and collections, while also being fast and secure, made me and many others switch over from Chrome. But this feature in particular seems evil considering the context and timing.
Please, please, please reconsider this decision. Do not push this to stable, putting one feature no one ever asked for in an otherwise lean and fast browser. But more importantly, do not push this kind of predatory "financial services" to everyone just before Christmas during a worldwide pandemic. You know better Microsoft. I've been using Edge as my main browser recently, besides Chrome and Firefox for specific tasks, and it's been a good experience. Decisions such as this make me consider moving away from Edge, however. Why on earth would you include a service in ALL Edge browsers that only a tiny fraction of your users will use? Unnecessary bloat, plus look at the bad press popping up on tech sites. Going this direction, I fear that more bloatware / crapware are on their way, and Edge will become a once-good browser.
A question, though. I'm on 96.* and can't seem to find any reference to this service in the settings. I don't have an associated account and disabled all payment / personal info settings, so I wonder how much this is really affecting me besides being part of the software and potentially increasing the attack surface of security breaches?- Wow, what an absolutely terrible idea. MS has done a great job over the past few years delivering a top-notch browser and getting people to forget about the browser that shall not be named. This is absolutely going to push people away from using Edge. (Excuse me while I change my default apps. Firefox - I'm back.)
- Please save your time and engery to do more useful work. Edge is world wide, not US only, there are already some US ONLY buildin junkie features.
Please continue work on workspaces feature mehua If I see this in regular Edge, I'll immediately stop using it.
Is there any way to disable this or will these advertisement always pop up when checking out?
Such a shame, Edge is great for a lot of things, but this is overreach IMO.- There is no need to introduce this attack surface to a browser that claims to focus on security.
- This is awful. As an IT Administrator for state/local government, I don't know if it's even LEGAL for me to offer the Edge browser to my users now. Please tell me there's already a group policy setting available to disable this??
Even so, the prospect of needing to remain hyper-vigilant against the addition of future anti-features/liabilities makes me want to disable the app regardless.
You were on such a good track with Edge. This is one of the biggest missteps by a major tech company I've seen in many years. - This is just stupid. Why the hell you feel the need to monetise Edge through questionable predatory money loan practices. This is not worth it
mehua
Interesting timing on this feature being released, right in front of the largest shopping time of the year. Baked right into the default browser for Windows, more ways for people struggling with money to even further struggle with money. "often interest-free" doesn't mean always interest free. There are so many people who struggle with credit card debt and interest.I don't see any financial counseling options included.
Credit Card: 20% annual interest
Zip: $4 fee for $35 interest over 6 weeks = ~ 11% interest over 6 weeks or 99% annual interest
Will Microsoft add online gambling or organ market place next when zip is not enough for the financially broke? How about a Microsoft hosted Squid Game for those who need money?
edit: sorry, not meant to reply you,
